TrueEarnings® Card from Costco and American Express

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Interest Rates

  • Introductory Rate: 0% on purchases for 6 months
  • APR (Purchases): 15.24%* Variable
  • APR (Cash Advances): 25.24% (V)

Fees & Details

  • Annual Fee: No annual fee with your paid Costco Membership
  • Grace Period: See Terms
  • Late Payment Fee: Up to $38
  • Over-The-Limit Fee: See Terms
  • Cash Advance Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars
  • EMV Compatible: No

Rewards Program

  • Points per Dollar: 1% on all eligible purchases purchases
  • Additional Points: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel
  • Point Details: N/A
  • Expiration: N/A
  • Yearly Limit: N/A
  • Earn cash back: 3% US gas stations up to $4,000 per year in purchases; 2% US restaurants & eligible travel; 1% other purchases. See details.
  • You will receive your cash back annually in the form of a reward coupon
  • The Two-In-One Card: it's an American Express® Card and Costco membership Card, with no annual fee for Costco members
  • Maximize your cash back: Add additional Card Members to help get more cash back for you, also with no annual fee for Costco members
  • Terms and restrictions apply

To apply for the TrueEarnings® Card from Costco and American Express, click here to be redirected to the issuer's website.

Apply Now