True Earnings® Card from Costco and American Express

Earn Cash Back - 3% for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% 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 Cash Back earned CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 3 months* 13.24%* No Annual Fee with Costco Membership* Yes* Good Credit*

Review: TrueEarnings® Card from Costco and American Express

Type of credit needed: Good Credit

Type of card: Rebate

Issued by: American Express™

Overview: For current Costco members, the TrueEarnings card is a credit and a membership card. Rebates are earned each time the card is used to make a purchase, with higher rebates awarded for restaurant, gas, and travel purchases. There are no yearly limits on earned rebates, and they are automatically issued each year with the cardholder’s billing statement. There is no annual fee for current Costco members, and an introductory rate on purchases is offered. However, the introductory term is much shorter than many other cards. Cardholders can qualify for an introductory rate on balance transfers, but only if they make a transfer within a set timeframe. American Express cardholder benefits like auto rental insurance and emergency card replacement are included with the TrueEarnings Card from Costco and American Express.

Pro and cons of the card:

Pros:

• Acts as a Costco membership card and a credit card
• Earn rebates on all purchases
• Earn bonus rebates for restaurant, gas, and travel purchases
• No yearly limits on rebate earnings
• Rebates are issued automatically each year
• No annual fee for Costco members
• Introductory purchase APR
• Cardholders can qualify for an introductory APR for balance transfers
• Standard benefits like auto rental insurance are included

Cons:

• Must be a current Costco member to carry the card
• Short introductory term for purchases
• Must make a balance transfer soon after opening the account to qualify for the introductory interest rate
• Cash back earnings issued only once per year

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now! *Credit Card will be charged, if Membership NOT cancelled!!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/applycostco (www.americanexpress.com/apply costco) credit card application for details about terms and conditions and offers.