TrueEarnings® Card from Costco and American Express
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- American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
| Intro Purchase APR | Intro Balance Transfer APR | Regular APR | Annual Fee | Bal. Trans. | Credit Needed |
|---|---|---|---|---|---|
| 0% for 6 Months | N/A | 15.24% variable | $0* | Yes* | Excellent Credit* |
Consumer Reviews
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Date Posted: 12/13/2011 By: Rob (Brooklyn, NY)

I'm a big fan and a long time loyal customer of Costco. I've been using my TrueEarnings Card from Costco and American Express for about 3 months now and I absolutely love it. Since I'm already a Costco member, I do not need to pay an annual fee. I use it to buy everything inside and outside of Costco. I get 3% cash back on gasoline which is important to me since I do drive A LOT! I also get 2% for restaurants, 2% for travel, and 1% everywhere else. So if you are a Costco member and looking for the best cash back credit card, you'll love this card.
I would definitely recommend this card to a friend.
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FAQs
Tips & Advice
Glossary
- APR - Acronym for Annual Percentage Rate. The yearly percentage rate of the finance charge.
- Intro APR - A low interest rate offered for a limited time, usually for the first 6 to 12 months.
- Regular APR - A fixed yearly percentage rate of the finance charge.
- Balance Transfer - The act of transferring the whole or partial balance of one card to another card.
- Annual Fee - A fee charged by the card issuer for being a card holder.


