TrueEarnings Card from Costco and American Express® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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TrueEarnings Card from Costco and American Express®
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Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Starting at 19.9%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
Starting at 19.9%(Verified 06/21/2024)
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Credit Score Range
N/A
Annual Fee
$0
TrueEarnings Card from Costco and American Express® Review
TrueEarnings Card from Costco and American Express® is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a cashback credit card issued by American Express® National Bank. If you're wondering whether TrueEarnings Card from Costco and American Express® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR starting at 19.9%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2.99% every time you make a transaction outside the U.S.
Pros & Cons of TrueEarnings Card from Costco and American Express®
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TrueEarnings Card from Costco and American Express® FAQ
Does TrueEarnings Card from Costco and American Express® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does TrueEarnings Card from Costco and American Express® have a signup bonus?
This card doesn't offer a cash signup bonus.Does TrueEarnings Card from Costco and American Express® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for TrueEarnings Card from Costco and American Express®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.TrueEarnings Card from Costco and American Express® has a variable purchase APR starting at 19.9%. The card has a variable balance transfer APR starting at 19.9% .
Does TrueEarnings Card from Costco and American Express® have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | Starting at 19.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does TrueEarnings Card from Costco and American Express® have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for TrueEarnings Card from Costco and American Express®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $38 . Does TrueEarnings Card from Costco and American Express® have a foreign transaction fee?
TrueEarnings Card from Costco and American Express® charges a foreign transaction fee of up to 2.99%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $59.800000000000004. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for TrueEarnings Card from Costco and American Express®?
The customer service number for TrueEarnings Card from Costco and American Express® is (800) 528-4800.
What is the support contact email for TrueEarnings Card from Costco and American Express®?
The support contact email for TrueEarnings Card from Costco and American Express® is info@americanexpress.com.
What is the login page for TrueEarnings Card from Costco and American Express®?
You can access the login page of TrueEarnings Card from Costco and American Express® here.
How do people rate the customer service and user experience of TrueEarnings Card from Costco and American Express®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does American Express® National Bank perform a hard credit pull?
Yes, TrueEarnings Card from Costco and American Express® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for TrueEarnings Card from Costco and American Express®
- Visit the website of TrueEarnings Card from Costco and American Express®.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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