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Offered by: American Express
Apply by phone: 1-800-297-6700

TrueEarnings® Card from Costco and American Express

  • 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.
  • Visit our credit card partner’s site in order to learn more and securely apply for the TrueEarnings® Card from Costco and American Express

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 619
Typical High: 795
on Purchases for 6 months    









* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee

$0 with your paid Costco Membership

Late Fee

Up to $38

Cash Advance Fee

3%, Min: $5

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0 with your paid Costco Membership
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
Age of Cardholder

Sample Size: 241
Data Created: February 02, 2015

63 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Begging Costco to use different card Helpful to 5 out of 7 people

I've had this card for seven years and it's always been a nightmare of an experience when things go wrong. Customer service refuses to admit to mistakes and refuses to correct them. They blame the "computer" and act like they have no way to help if the computer doesn't allow it. 

My story started with a late fee. My payment due date was on a weekend and I had previously set up autopay for situations like this when I may not be available to make the payment in full manually. I was surprised when I saw the late fee and immediately paid my balance and called to see if I could have the late fee removed. It was a $26 late fee assessed on an existing balance of $39. I explained that I'd had the card for 7 years and never been late once and the rep agreed and submitted a request to have the late fee removed. The system denied it. He was unable to or unwilling to tell me why it was denied. I spent an hour on the phone with an account supervisor and then an account manager. They were all rude and unhelpful. Fuming I went online to my account to set up autopay so this never happened again. This is when I noticed that I HAD already set up autopay, all my bank info was there and accurate, autopay was just turned off. So I called American Express back and explained that I wouldn't have a late fee if they hadn't turned off my autopay. The rep submitted a request and told me that the request went through and I should see the amount post to my account in the next 2-3 business days. 2 weeks later I check my balance and notice that there was no such credit. I called American Express again. This time I talked to the rudest rep of all who just kept telling me that the late fee was a valid charge and there was nothing he could do about it. Sensing I was getting nowhere with this guy and tired of his rude attitude that was making me angry I asked to speak to a supervisor. After 10 min more a supervisor got on the phone and I spend 5-10 minuted rehashing all the details of my problem. She said that all she could do was again try to submit a request to the system to remove the late fee but gave no guarantees. She put me on hold and came back 5 min later saying that the system denied my request. She was also unable or unwilling to tell me why. At this point I gave up, told her that my experience with them had been terrible and I was a extemely unhappy customer. The fact they claim their system is so ridgid and in no case can they override its parameters is utterly unbelievable. I know they can, they just refuse to. I've had worse account history with mastercard and visa accounts that HAVE reimbursed me for late fees when I call in. I've said that I would never use this card again before and then been suckered into using it because costco ONLY accepts americanexpress for some reason. However this time I shredded the card and all my AMEX cards. I'll pay with a **** check at costco or shop somwhere else if that's what it takes to not use AMEX. They are a terrible terrible company.

toomanyjoes's response was:    

Mar 28, 2015

toomanyjoes(1, 5)

Big Penalty for not paying in full Helpful to 14 out of 21 people

I have multiple credit cards and generally pay off in full. Occasionally, when I was travelling I missed paying in full by 4 days on the Amex costco card. They charged me full interest on entire balance for that month. And this triggered revoking of the general grace period for purchases made on the next month. So, even though I paid my balance in full for the next month, they ended up piling on interest again as a penalty for not paying in full for the previous month.

This has to be one of the most outrageous policies for a credit card company. Calling the customer service was another futile waste of time. They regurgitate the same policy and blamed it on me for not reading the 'Terms and Conditions' document. I have never had such experience with other cards mainly discover or chase. 

Rewards are not comparable to other cards. I see no reason to continue using this card in future.

gurujg's response was:    

Jan 18, 2015

gurujg(1, 14)

Cooperative Helpful to 6 out of 7 people

I just got of the phone with Amex, having called about the nearly 28% interest rate on this card.  I explained that I have excellent credit, have always paid way more than the minimum payment and have been on time with payments.  The Amex agent, who was very polite,  saw that one payment a few months ago posted a day late and that it automatically kicked in the maxiumum penalty interest rate.  

The agent said the rate would be lowered to the opening interest rate and was happy to make the adjustment.

The moral of this story is that Amex is mostly computers.  They are programmed to do crazy things with no discernment about any other factors other than the time a payment is made and if that payment meets the minimum payment requirement. If either of those factors is not met, the penalty interest rate automatically kicks in.  

Try calling, be polite, and make your case.  It is worth a try and it worked for me.  I nice experience with the Costo American Express!  Thank you!

Lehrkind's response was:    

Jan 05, 2015

Lehrkind(1, 6)

See all 63 Reviews of TrueEarnings® Card from Costco and American Express

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.