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 TrueEarnings® Card from Costco and American Express 

  • Straight cash back - 5% for buying automobile gas, 3% eating out, 2% for traveling, 1% virtually everywhere else, including Costco
  • No Annual Fee with your paid Costco Membership
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
  • 0% introducotry APR on purchases for the first 3 months
  • No annual fee for additional cards
  • Flexible payments - pay in full or over time
  • Save an additional 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
NameTrueEarnings® Card from Costco and American Express
IssuerAmerican Express 
Credit TypeUnsecured Card 
Card TypeConsumer 
Intro APR 
Regular APR13.99% 
Cash Advance APR 
Annual FeeNone 
Credit NeededGood Credit 
Credit Limit -  
NetworkAmerican Express 
Grace Period 
Finance Charge0.5 
Balance Transfer Fee 
Cash Advance fee3% of each transaction with $5.00 minimum and no maximum. 
Forex Fee 
Setup Fee
Late Payment Fee$15 on balances less than $400 and $35 on balances $400 or greater 
Over-limit Fee$29, subject to applicable law 
ReviewWant to get more cash back rewards? With the True Earnings® Card from Costco and American Express, your cash back dream will come true! Once you have an excellent payment history, do not miss your chance to get unparalleled rewards! First off, this plastic serves as both your AmEx card and your Costco Membership card. It gives you an excellent chance to double the privileges while using this cash back card. And by the way, this plastic money offer comes with really attractive features. If your goal is a fee-free cash back card, this card is a perfect match for you. The designers of this card managed to derive a perfect formula for all cash-back lovers: no annual fee plus good interest rates equals to more cash back rewards for you! Being an excellent cardholder, you may expect the card with extremely low promotional rates. The True Earnings® Card from Costco and American Express is that very plastic that gives you zero percent introductory rates on purchases for the first three months, not to mention low promotional rates on balance transfers for the first six months. This card gives you a host of additional benefits and services that will help you make the most of your card. Feel free to access your credit account online whenever you need it, this service is available 24 hours a day, 7 days a week. With the Online Year-End Summary, it's so easy to organize your expenses! The True Earnings® Card from Costco and American Express is the right choice for those who like traveling. Your card is lost or stolen? Receive a new one in as little as 24 hours. Whenever you travel with this credit card, you may feel safe and sound with the Global Assist Hotline 24/7, and more! 
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