0% APR for 6 months and cash back
Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for the first $3,000 in annual purchases (1% thereafter) of automobile gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (which excludes superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; and 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 "Eligible Purchases" include purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller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, American Express® Gift Cheques or other cash equivalents. 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.

Earn cash back everywhere, not just at Costco

Every time you make a purchase, you can earn cash back: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 3% for restaurants, 2% for travel, and 1% everywhere else, including Costco.¹

Watch your rebate keep adding up

Use the Card as often as you like, and watch your rebate get bigger and bigger. And, you can earn even more cash back when you sign up someone listed on your Costco membership for an Additional Card.

Receive world-class Customer Service and protection

American Express offers personal attention and exceptional Customer Service that's available when you need it, 24/7. Rest assured with valuable services like Purchase Protection,² Extended Warranty,³ and the Global Assist^® Hotline.⁴

Enjoy 2 memberships
in 1

Your TrueEarnings Card is two Cards in one - it's both an American Express^® Credit Card and your Costco membership card.⁵

Become a Cardmember Apply Now

Rewards Program

Cash back for virtually every purchase

Annual Fee

No annual fee with paid Costco membership

Payment Options

Flexibility to pay charges over time

APR on Purchases

0% for 6 months, then Prime Rate + 11.99%

Get the Credit Card that keeps giving cash back

With the TrueEarnings^® Card from Costco and American Express, earning cash back is just one of many great benefits. You can earn cash back everywhere you use your Credit Card, making every eligible purchase a savings opportunity.

Make a purchase, earn cash back

Earn a bigger rebate with every eligible purchase you make with your Card - even when you use your Card outside of Costco. You can even earn cash back on the things you buy every day.
Earn 3% cash back for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% cash back for restaurants, 2% cash back for travel, and 1% everywhere else, including Costco.⁶
Take advantage of special offers and savings at various locations around the world and in your neighborhood.

It's your cash back - use it however you like

Earning rewards is easy. Your Card issues a cash rebate coupon annually, which you can redeem at any U.S. Costco warehouse for merchandise or cash - how you use it is completely up to you.
The 3-3-2-1 math of earning cash back is simple - and so is tracking it. So the great thing is, you can find out how much you'll earn back at any point in time.

Additional Cards can mean more cash back for you

You can add an Additional Cardmember ⁷ to help get an even bigger rebate. Doing so is easy, has no additional fee, and the Additional Cardmember's purchases can earn more cash back for you.

Terms & Conditions

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View Website Rules and Regulations, Intellectual Property and Privacy Statement of American Express. Copyright © 1995 - American Express Company. All Rights Reserved. Users of this site agree to be bound by the terms of the American Express Web Site Rules and Regulations.

1Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for the first $3,000 in annual purchases (1% thereafter) of automobile gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (which excludes superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; and 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, American Express^® Gift Cheques or other cash equivalents. 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.

2Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

3Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy

4While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.

5Simply have your photo taken at any Costco within three days of your application and it will be added to your Card.

6Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for the first $3,000 in annual purchases (1% thereafter) of automobile gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (which excludes superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; and 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, American Express^® Gift Cheques or other cash equivalents. 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.

7Additional Cardmembers must be listed on your current Costco membership to be eligible for an Additional Card. Only qualified individuals over the age of 18 may be approved for the Card.