Select Your Card

Please review the American Express® Cards below, and select the one that best matches your needs – for personal or business use.

Personal Cards

Personal Cards

The TrueEarnings® Card from Costco and American Express

Use the Card for your everyday expenses and earn cash back.

Apply Now See Card Features and Benefits >>

Earn True Cash Back the Simple Way

  • 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, 1% Cash back everywhere else, including Costco
  • No Annual Fee with your paid Costco membership
  • The TrueEarnings® Card serves as both your American Express Credit Card and your Costco membership Card
  • No limit on the amount of Cash Back earned
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Cards for Business Owners

Cards for Business Owners

The TrueEarnings® Business Card from Costco and American Express

Separate business expenses from personal expenses with an American Express® Business Card.

Apply Now See Card Features and Benefits >>

One Card, Two Memberships

  • Earn Cash Back – 4% for annual gasoline purchases of up to $6,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
  • With OPEN Savings®, you can automatically save 3-25% on expenses with companies like FedEx, Hertz®, Hyatt Hotels & Resorts®, and more
  • No Annual Fee with your paid Costco membership
  • The TrueEarnings® Card serves as both your American Express Business Card and your Costco membership card
Apply Now Learn more
 
The Platinum Card® from American Express

TrueEarnings® Card
from Costco and
American Express

Use the Card for your everyday expenses and earn cash back

Apply NowReceive a decision in 60 seconds.

Earn cash back, plus get the service and protection you deserve

  • Earn 3% cash back for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% everywhere else, including Costco1
  • Enjoy world-class Customer Service and protection

TrueEarnings® Card from Costco and American Express provides you with many special features

  • Earn Cash Back
    There is no limit to how much cash back you can 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, 1% cash back everywhere else, including Costco
  • Rebate Coupon
    Your Card issues a cash rebate coupon annually which can be redeemed at any U.S. Costco warehouse for cash or merchandise
  • American Express Ticket Savings Center2
    Ticketmaster offers exclusive access and benefits in select markets to TrueEarnings Cardmembers through the American Express® Ticket Savings Center
  • Additional Cards
    To get an even larger rebate, sign up Additional Cardmembers. It's easy, has no annual fee, and their purchases can earn more cash back for you

TrueEarnings® Card from Costco and American Express comes with Card protection and services

  • Global Assist® Hotline3
    Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more
  • Car Rental Loss and Damage Insurance4
    Use your Card to rent a car, and you can be covered with Car Rental Loss and Damage Insurance at no additional charge
  • Travel Accident Insurance5
    Help protect yourself and your family with up to $100,000 in Travel Accident Insurance
  • Purchase Protection6
    Purchase Protection provides you with added peace of mind when you use your Card for eligible purchases. Items are protected against theft and accidental damage for up to 90 days from the date of purchase – at no additional charge
  • Extended Warranty7
    Extends the terms of the original U.S. manufacturer's warranty for up to one additional year on eligible purchases
Apply NowReceive a decision in 60 seconds.

Terms, Conditions and Disclosures
1 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.

2 Offer valid in Atlanta, Boston, Chicago, Dallas, Detroit, Florida, Houston, Los Angeles, Minneapolis/St. Paul, NYC tri-state area, northern California, Philadelphia, and Phoenix.

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

4 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.

5 Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. 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.

6 Purchase 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.

7 Extended 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.

Business Platinum Card® from American Express OPEN

The TrueEarnings® Business
Card from Costco and
American Express

Separate business expenses from personal expenses with an American Express® Business Card.

Apply NowReceive a decision in 60 seconds.

One Card, Two Memberships

  • Earn Cash Back – 4% Cash back for annual gasoline purchases of up to $6,000 (1% thereafter), 3% Cash back for restaurants, 2% Cash back for travel, 1% Cash back everywhere else, including Costco1
  • With OPEN Savings®, you can automatically save 3-25% on expenses with companies like FedEx, Hertz®, Hyatt Hotels & Resorts®, and more2
  • No Annual Fee with your paid Costco membership3
  • The TrueEarnings Card serves as both your American Express® Business Card and your Costco membership Card4

American Express OPEN® is all about small business. It provides you the resources that can help you run your business, including:

  • Financing
    Pay over time or pay in full. Grace Period for repayment of the balance for purchases is up to 20 days if the previous balance shown on each billing statement is paid in full by each respective due date
  • OPEN Savings®
    With OPEN Savings®, you can save 3-25% on expenses with companies like FedEx, Hertz®, Hyatt Hotels & Resorts®, and more just by using your Business Card. The savings will automatically appear on your statement, and the savings are in addition to other discounts your business may already receive
  • Additional Cards
    Give your employees Additional Cards to help you consolidate and control business spending; you can earn cash back faster and enjoy even more savings on eligible business purchases
  • Online Management
    Manage your account with Summary of Accounts and track charges with expense management tools
  • OPEN Forum® Community
    Chat, pose questions, get insights from other small business owners, and attract new business at openforum.com
  • Advice
    Ask an expert a question, use an online tool, and read articles by other business owners

The TrueEarnings® Business Card from Costco and American Express comes with Card protection and services that can make it easier for you to concentrate on running your business

  • Buyer Protection Services
    When you use your American Express Card instead of a debit card for retail purchases, it can help protect you in more ways than you'd imagine I, II, III
  • Insurance
    Helps protect you with insurance coverage and gives you added peace of mind when you travel IV, V, VI
  • Emergency Services
    Assists you with Emergency Card Replacement VII, check-cashing VIII, and hotel check-in
  • Roadside Assistance Anywhere
    Emergency towing, flat tire repair, battery boost, fuel delivery or emergency lock out service IX
  • Customer Service
    Provides help 24 hours a day, 7 days a week
Apply NowReceive a decision in 60 seconds.

Terms, Conditions and Disclosures
1 Each Eligible Purchase shall qualify for a Rebate of 1, 2, 3 or 4 percent, as follows: 4% for the first $6,000 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.

2 OPEN Savings®: Savings range from 3% to 25%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

3 This Card has no annual fee with a paid Costco membership. There will be no fee for Additional Business Cardmembers on the account as long as they are on your current Costco membership. You must be a current Costco member in good standing.

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

I Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. 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.

II Purchase 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.

III Return Protection - if you are dissatisfied with an eligible Card purchase and the merchant won't take it back within 90 days of your purchase, American Express will reimburse your account for the full price, up to $300 per item, excluding shipping and handling. Coverage is limited to $1,000 annually per Card account and is subject to additional terms, conditions, and exclusions.

IV Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. 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.

V American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

VI Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.

VII Not all services available at all locations and all are subject to local laws and cash availability.

VIII Comprises Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and are subject to local laws and cash availability.

IX This benefit is a coordination of the service and the Cardmember is responsible for all costs associated with this service. Service is provided in the 48 contiguous United States and Canada.