Features

Who is TrueEarnings Card from Costco and American Express Designed For?

The TrueEarnings Card from Costco and American Express is designed for people with good credit who have a Costco membership and want a no-hassle cash back rewards credit card with no annual fee and competitive interest rates. This card also offers a six-month 0% introductory rate on purchases, which makes it a good option for people who are planning to make expensive purchases and would like to pay them off over time interest-free.

What are the Interest Rates for TrueEarnings Card from Costco and American Express?

- The TrueEarnings Card from Costco and American Express has a 15.24% APR on purchases and balance transfers. This is a competitive rate for a card that accepts applicants with a just “good” credit. There is also a 6-month 0% APR intro rate for new cardholders. Cash advances do have a 25.24% APR and there is a 27.24% penalty APR that triggers itself when you are late with a payment or a payment is returned.

What Are the Fees for TrueEarnings Card from Costco and American Express Credit?

- The TrueEarnings Card from Costco and American Express doesn't have an annual fee. However, it is only available for people who have a Costco membership. The standard membership costs $55 a year and the executive membership version is $110. The card has a $38 late payment and returned payment fee, but no returned payment fee or over-the-credit-limit fee. Balance transfers and cash advances incur a 3% fee ($5 minimum). Foreign transactions come with a 2.7% fee, but without a minimum fee.

What Is TrueEarnings Card from Costco and American Express's Rewards Program Like?

The TrueEarnings Card from Costco and American Express rewards program has a 3% cash back rate on gas stations within the United States, up to $4,000 a year in purchases, after which the rate reverts to 1%. Travel purchases, and restaurants have a 2% cash back rate. All other purchases have a 1% cash back rate. Cash back is redeemable every year as a reward coupon that can be used at Costco or exchanged for cash. The coupon is issued with the February billing statement of each year and must be redeemed by August 31 of the same year.

What about TrueEarnings Card from Costco and American Express's Signup Bonus?

The TrueEarnings Card from Costco and American Express doesn't have a signup bonus.

Does TrueEarnings Card from Costco and American Express Have Any Other Benefits?

The TrueEarnings Card from Costco and American Express offers members a variety of shopping and travel benefits. These include roadside assistance hotline, car rental loss and damage insurance, travel accident insurance and discounts at entertainment events. It also includes extended warranties to all purchases with warranties of 5 years or less and 90 days of purchase protection against theft or accidental damage.

How Is TrueEarnings Card from Costco and American Express Better Than Other Credit Cards?

TrueEarnings Card from Costco and American Express offers a competitive interest rate and decent reward rates on popular purchases, such as gas, dining and travel, without charging an annual fee. However, only Costco members who are up to date with their annual membership fee ($55) qualify to have the card or benefit from its rewards program. The rewards program is flexible and easy to use, members can either redeem their points as cash or as a coupon for purchases at Costco.

  • Card Type
    Rewards
  • Customer Type
    Personal
  • Card Network
    American Express
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    25
  • Late Payment Penalty
    $38
  • Returned Payment Fee
    $38
  • Foreign Currency Transaction Fee
    2.7%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Balance Computation
    Average Daily Balance
  • Purchases APR
    15.24%% - %
  • Introductory Rate
    0% APR for 6 months%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    15.24% APR% - %
  • Introductory Rate
    0% APR for 6 months%
js-table-filter bizname-american-express-gold-card
js-table-filter airlines-140
160
js-table-filter ccard-type-199
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter points-137
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Points
  • Restaurants
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $160
Card Type Charge Card
Card Type Travel
Card Type Rewards
079
js-table-filter bizname-american-express-green-card
js-table-filter airlines-140
95
js-table-filter ccard-type-199
js-table-filter ccard-type-136
js-table-filter points-137
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter credit-required-114
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Points
  • Travel
  • No Annual Fee First Year
Annual Fee $95
Card Type Charge Card
Card Type Rewards
077
js-table-filter bizname-platinum-delta-skymiles-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
195
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-116

Est. 1850

  • Air Miles
  • Airlines
  • No Foreign Transaction Fee
Annual Fee $195
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99%
042
js-table-filter bizname-blue-sky-from-american-express
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
17.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter credit-required-116

Est. 1850

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 17.24%
Balance Transfer APR 17.24% – 22.24% var. APR%
006
js-table-filter bizname-american-express--gold-delta-skymiles-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
95
js-table-filter ccard-type-137
js-table-filter ccard-type-136
15.99
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Air Miles
  • Airlines
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $95
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99%
006
js-table-filter bizname-delta-reserve-credit-card-from-american-express
js-table-filter air-miles-136
js-table-filter airlines-140
450
js-table-filter ccard-type-136
15.99
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Air Miles
  • Airlines
  • No Foreign Transaction Fee
Annual Fee $450
Card Type Rewards
Purchases APR 15.99%
Balance Transfer APR 15.99%
006
js-table-filter bizname-the-travelocity-rewards-american-express-card

000
js-table-filter bizname-american-express-blue-cash-preferred-card
95
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter groceries-141
13.24
0
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Cashback
  • Gas
  • Groceries
  • 0% Introductory APR
Annual Fee $95
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 12
006
js-table-filter bizname-trueearnings-card-from-costco-and-american-express
js-table-filter airlines-140
0
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
15.24%
js-table-filter restaurants-142
js-table-filter travel-143
0% APR for 6 months
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-9
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Cashback
  • Gas
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 15.24%%
Balance Transfer APR 15.24% APR%
006
js-table-filter bizname-american-express-starwood-preferred-guest-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
95
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.49% to 19.49%
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-9
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1850

  • Air Miles
  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $95
Card Type Rewards
Purchases APR 15.49% to 19.49%%
Balance Transfer APR 15.49% to 19.49%%
006
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