| Rewards | 3% cash back on eligible gas (up to a yearly cap) 2% cash back on restaurants and travel 1% cash back on all other purchases — including Costco Cashback was given as a Costco annual coupon/voucher. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0, however you must be a paying Costco member to own this card. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.24% variable APR |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount, whichever is greater. |
| Late Payment Fee | Up to $37 |
| Purchases APR | 0% introductory for 6 months, then 15.24% (variable, based on prime rate). |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Amex TrueEarnings Costco Credit Card was known for its straightforward cash-back structure, especially for frequent Costco shoppers. Most users say the card delivered solid value on gas, dining, and Costco purchases, and many reviewers mentioned that the lack of an annual fee (as long as you had a Costco membership) made it feel like a low-risk rewards card.
On the positive side, people liked the predictable rewards, strong gas earnings, and the fact that it combined two familiar brands. Many cardholders also appreciated Amex’s customer service and the simple, no-nonsense earning rates.
Complaints were fairly consistent: users often wished the rewards were paid out more frequently, and several mentioned that the card wasn’t as flexible as other cash-back options. Others pointed out that the rewards were heavily tied to Costco, which felt limiting if you weren’t shopping there often.
Personally, I think the TrueEarnings card made a lot of sense for loyal Costco members who wanted easy, reliable rewards without a separate annual fee. But if you preferred more flexible redemptions or richer perks, there were (and still are) other cards that offered better long-term value.
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