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TrueEarnings® Card from Costco and American Express

Important Rates:
There is a purchase introductory APR of 0.00% for 6 Months*. 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.

There is an annual fee of No Annual Fee with your paid Costco Membership* for this card.

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 798 is recommended for a higher chance of approval, but this 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® Card from Costco and American Express is at least 20 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

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:
There were 15 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 80% of those applicants were approved.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 798, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.

Offer Details:

• 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
• 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
• Terms and limitations apply; 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
• Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
• Terms and restrictions apply.

**  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 (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

Options: View rates and fees for all cards.