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TrueEarnings® Business Card from Costco and American ExpressQuick Summary:
This is a AMEX rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by American Express. This card is restricted to business owners with a good to perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. APR's may vary among applicants, however the lowest standard APR is 14.99%.APR's:
There is an introductory APR as low as 0.00% for 3 months. This intro rate only applies towards purchases. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 9.99% to the U.S. prime rate. Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases. Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 747 is recommended for a higher chance of approval for the TrueEarnings® Business Card from Costco and American Express, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the TrueEarnings® Business Card from Costco and American Express is at least 20 days. So interest charges will not be applied during those days. This card is intended for business owners. You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer. American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment. Approval Rate:
This card has a very poor approval or acceptance rate. Since this is a card for good credit, there may be a strict standard for qualifications, including credit record and income level. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 747, then your chance of approval may be greater than other applicants. Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved. Offer Details:
- Straight cash back—5% for buying automobile gas, 3% for eating out, 2% for traveling, 1% virtually everywhere else, including at Costco
- 0% introductory APR on purchases for the first 3 months
- No annual fee with your paid Costco Membership
- Flexible payments—pay in full or over time
- No annual fee for Additional Cards
- Save an additional 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more.
*Please view and verify the card offer's terms and conditions
regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Business Card Rate Comparison
| APR | 14.99% | | Avg. APR** | 10.37% | | Annual Fee | $0 | | Avg. Annual Fee** | $6.09 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Business cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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