The TrueEarnings Card from AMEX is great. It acts as BOTH, your Costco Membership Card, and your American Express Credit Card, thereby eliminating the need of carrying both cards. This credit card is a good opportunity for you to sign up and apply for Costco membership as the cash back structure of this American Express Credit Card is really good. The tiered payouts are higher then on many other cashback credit cards. You will earn 3% cash back on gas(up to $3,000), 3% on restaurants, 2% travel and 1% on everything else. There is no limit on the amount of cashback you can earn. There is also no annual fee with this card for as long as you are a Costco member. In addition, you may take advantage of the current offer of 0% on Purchases for 6 months. However, be cautious: The APR on this card is very high, so make sure to pay your bill every month in order to make sure you are not paying interest payments. Apply today and get an instant decision online!
Here are the benefits in more details:
Earn true cash back the simple way
With the AmericanExpress.com/trueearnings card from Costco and American Express you can earn a full 3% cash back for gasoline, 3% cash back for restaurants, 2% cash back for travel, and 1% cash back everywhere else, including Costco.Your cash back accumulates over the course of the year and the total will be issued to you in your February billing statement. There's no minimum to how much you have to spend to receive your cash back so there's no limit on what you can earn with the TrueEarnings Card.There's no annual fee with your paid Costco Membership, a three-month introductory 0% APR, then Prime plus 8.99%, and a grace period of 20 days. Additional Cards are fee-free, so you can share all the benefits and services with your friends and family members.1 2
Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa®, cards to your www.AmericanExpress.com/trueearnings account with no transaction fee! Enjoy a low APR: 1.99% for 6 months when you balance transfer during the first 40 days of Cardmembership.
Dedicated Customer Service
American Express is here to help you around the clock, with the kind of Customer Service that keeps Card members loyal for a lifetime. For immediate service, call the phone number on the back of your Card.
Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.
Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan*, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.3
Fraud Protection Guarantee
Use the American Express Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible-just pure protection, so you can shop with confidence.
Buyer's Assurance Plan
With the Buyer's Assurance Plan* you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.4
Save with American Express Selects
Offers, savings, entertainment and special events. American Express Selects puts together great brands and much more- all in one great place.
Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements.5
Emergency Card replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.
Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.6
1 Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for purchases of automobile gasoline (any individual Purchase transaction in excess of 75 gallons or equivalent dollar value will not be deemed to be a Purchase of automobile gasoline) at Costco Gasoline and domestic stand-alone gas stations, excluding gas purchased at warehouse clubs other than Costco, superstores or supermarkets; 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; or 1% on all other Eligible Purchases posted to your account. “Eligible Purchases” include purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller machines, or other means of accessing your Account), Balance Transfers, or adjustments to your Account or the purchase of American Express® Travelers Cheques and American Express® Gift Cheques. Rebate is awarded annually in the form of an in-store coupon redeemable for cash or merchandise at any U.S. Costco Warehouse. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.
2 Costco will send all of the information you provide on your Card application, including membership information and the approximate amount of your annual spending at Costco to help you obtain the highest credit limit possible. Your Costco membership fee will be charged to your American express Card on the first day of your renewal month and will qualify toward your annual rebate. Costco may also receive updated Card account information from American Express for billing purposes. If you wish to pay your Costco membership fee by check, please call (800) 774-2678 upon receipt of your new Card. Costco membership fees paid by any means other than direct debit to the TrueEarnings Card from Costco and American Express will not be eligible for the rebate as described in the above terms and conditions.
3 Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.
4 Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.
5 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.
6 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
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