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American Express

True Earnings® Card from Costco and American Express

True Earnings® Card from Costco and American Express
Card Highlights:
Card Category: Consumer
Card Type: Unsecured
Required Credit Rating: Excellent / Good
Issuing Country: United States
Available Rewards:
For explanation of each icon
click here

Miles

Cash

Points

Charity
About Credit Card:
  • 0% Intro APR on Purchases for 3 months.
  • No Annual Fee.
  • Earn 3% Cash Back for gasoline.
  • Earn 3% Cash Back for restaurants.
  • Earn 2% Cash Back for travel.
  • Earn 1% Cash Back everywhere else, including Costco.
  • The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
  • The flexibility to pay charges over time.
  • No Limit on the Cash Back earned.
ZERO LIABILITY
Credit Card Rates
Purchases:
Introductory APR: 0%
Introductory Period: 3 months
Ongoing APR: 14.99%
Default APR: 26.99%
Minimum Grace Period: 20 days
Minimum Finance
Charge:
$0.50
Balance Transfers:
Introductory APR: 1.99%
Introductory Period: 6 months
Ongoing APR: 14.99%
Default APR: 26.99%
Minimum Grace Period: n/a
Minimum Finance
Charge:
$0.50
Cash Advances:
Introductory APR: n/a
Introductory Period: n/a
Ongoing APR: 19.99%
Default APR: 26.99%
Minimum Grace Period: n/a
Minimum Finance
Charge:
$0.50
Credit Card Transaction Fees
Balance Transfer Fees:
Minimum: $091
Fee Rate: n/a
Maximum: n/a
Cash Advance Fees:
Minimum: $5
Fee Rate: 3%
Maximum: n/a
Foreign Exchange Fees
Minimum: n/a
Fee Rate: n/a
Maximum: n/a
Credit Card Other Fees
Initial Fees:
Setup Fee: $0
Maintenance Fees:
Annual Fee: $0
Penalty Fees:
Late Payment Fee: $15
91 There is no fee for balance transfers made within the first 40 days of Cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.
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