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Costco American Express Card

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Earn cash back for gasoline, restaurants and travel - and that's just the beginning.

Secure Application Process

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), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco.¹

Watch your reward keep adding up

Use the Card as often as you like, and watch your reward 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% intro APR for 6 months. After that, your APR will be a variable rate, currently 15.24%

Explore all the TrueEarnings Card can do for you

Costco and American Express True Earnings Card

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 reward 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), 2% 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 reward 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 3-2-2-1 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 Cardmember⁷ to help get an even bigger reward. 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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Credit Cards with Cash Back | Credit Card Application | No Annual Fee | Flexible Payments

2Each eligible purchase shall qualify for a reward of 1, 2, or 3% of the purchase amount 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 (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% 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. Fees, interest charges, cash advances, balance transfers and purchases of cash equivalents (e.g., Gift Cards, Travelers Cheques) from American Express are not eligible for a reward. Reward is distributed annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.

5Each eligible purchase shall qualify for a reward of 1, 2, or 3% of the purchase amount 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 (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% 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. Fees, interest charges, cash advances, balance transfers and purchases of cash equivalents (e.g., Gift Cards, Travelers Cheques) from American Express are not eligible for a reward. Reward is distributed annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.

6Each eligible purchase shall qualify for a reward of 1, 2, or 3% of the purchase amount 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 (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% 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. Fees, interest charges, cash advances, balance transfers and purchases of cash equivalents (e.g., Gift Cards, Travelers Cheques) from American Express are not eligible for a reward. Reward is distributed annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.

7Each eligible purchase shall qualify for a reward of 1, 2, or 3% of the purchase amount 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 (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% 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. Fees, interest charges, cash advances, balance transfers and purchases of cash equivalents (e.g., Gift Cards, Travelers Cheques) from American Express are not eligible for a reward. Reward is distributed annually in the form of an in-store coupon redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.

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