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Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it.
Order an Additional TrueEarnings® Card from Costco and American Express.
Additional Card Members must have current Costco Memberships in their names. Must be 18 years or older and must never have had a defaulted account with American Express.
By submitting this application, I certify that I have read, met and agreed to all of the terms, conditions and disclosures linked to this application. Costco will be sending American Express the approximate amount of your annual spending at Costco to help you obtain the highest credit limit possible. Your Costco membership fee will be charged to your American Express® Card on the first day of your renewal month, and will qualify toward your annual reward. Costco may also receive updated card account information from American Express. If you'd rather pay for your renewal by check, which will not qualify toward your reward, please call us at 1–800–774–2678 after you receive your new American Express Card.
IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION
Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 02/25/14.
View the full Card Member Agreement.
By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents.
You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.
When you use your Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you. Your Card Member Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding.
We may change the Card Member Agreement subject to applicable law. We may do this in response to the business, legal, or competitive environment. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Card Membership.
Additional Cards: Additional Card Members do not have accounts with us but they can use your Account subject to the terms of the Card Member Agreement. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Card Members information about your Account and to discuss it with them.
Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
Balance Transfers: Only balance transfers from accounts in your name requested within 30 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. No transfer will be processed if: (1) any requested transfer is less than $100; (2) the total amount of all requested transfers exceeds the lesser of $7,500 or 50% of your credit limit; or (3) charging the requested transfers to your Card account would cause your total account balance to exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers. Your balance transfer request may be declined if any of your American Express accounts are not in good standing.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.
New York residents may contact the New York Department of Financial Services to obtain a comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.
An Applicant, if married, may apply for a separate account.
Cash advance at ATMs: We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs. Or you may request a PIN for cash advances by contacting us. We will send you a letter confirming your PIN.
Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Basic Card Annual FeeThe TrueEarnings® Card from Costco and American Express is only available to you if you have a paid Costco membership in your name. You must maintain your Costco membership to redeem the Reward. We may cancel your Card Account and participation in this program if you do not maintain your Costco membership.
Account Managers and Agents must be at least 18 years old.
Cash Back on Eligible Purchases
You will earn an annual reward based on the eligible purchases on your TrueEarnings® Card from Costco and American Express during an annual reward period. An annual reward period is 12 billing periods, starting with the one that begins in February. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Additional terms and restrictions apply. You will earn an annual reward of: 3% on the first $4,000 of purchases each annual reward period (1% thereafter) of gasoline at Costco and at gas stations located in the U.S (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% at restaurants located in the U.S.; 2% for eligible travel purchases (eligible travel purchases are: airfare for a scheduled flight on a passenger carrier, hotel stays (excluding timeshares, banquets and events), car rentals from select major car rental companies listed at americanexpress.com/rewards-info, and other purchases from Costco Travel, cruise lines, travel agencies and tour operators); and 1% on all other eligible purchases, including at Costco. Merchants are assigned codes based on what they primarily sell. A purchase will not earn a higher percentage reward if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage reward. A purchase may not earn a higher percentage reward if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.Reward is distributed annually via U.S. Mail in the form of a reward coupon on the last page of your February billing statement, redeemable at any U.S. Costco warehouse, including Puerto Rico, for merchandise or cash. Requests for cash may be fulfilled in the form of a check at the Costco warehouse's discretion. 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 Card Member Agreement for full terms and conditions.
Costco Additional Card Members
Additional Card Members must have current Costco Memberships in their names. Must be 18 years or older and must never have had a defaulted account with American Express.
Valid on new bookings made through American Express Travel. Payment must be made with an American Express Card. May not be combined with other offers unless indicated.American Express Vacations: Valid on new bookings made through American Express Travel. Payment must be made with an American Express Card. Not available to groups and may not be combined with other offers unless indicated. American Express Vacations: American Express Vacations tours operated by Travel Impressions, a subsidiary of American Express. Offers valid on 3-night minimum stays. Adjoining or connecting rooms at select resorts are based on availability at the time of booking. Connecting/adjoining room upgrades are valid in specific room categories. For kids stay, play, or eat free, age requirements vary by hotel. Terms and conditions apply to bonus value offer and vary based on the property and package booked. Benefits are combinable with Gold Card Destinations Tour program. Benefits are not combinable with Fine Hotels & Resorts or the AEV Perfectly Paired program. Blackout dates apply and benefits are subject to change. Abercrombie & Kent: There must be at least one passenger traveling under the age of 18 in order to get discount. Discount is per person, available on all itineraries, and combinable with any existing Abercrombie & Kent discounts, where available. There is no maximum on the number of passengers per booking who are eligible for the discount. There are no black-out dates or rate restrictions on this discount. Discount is non-transferable and cannot be redeemed for cash or credit. Discount is combinable with the Gold Card Destinations Tour program.Tauck World Discovery: Discount is per child 18 years and under, available on all itineraries, and combinable with Tauck passenger and child discounts, where available. There is no maximum on the number of children per booking who are eligible for the discount. There are no black-out dates or rate restrictions on this discount. Discount is non-transferable and cannot be redeemed for cash or credit. Not combinable with the Gold Card Destinations Tour program.Avis Rental Car: The savings of up to 30% applies to Avis leisure weekly and weekend rates and is applicable only to the time and mileage charges of the rental. Offer does not apply to car group X. Taxes, concession recovery fees, vehicle license recovery fee, customer facility charges ($10/contract in CA) may apply and are extra. Optional products such as LDW ($29.99/day or less) and refueling are extra. Please mention AWD #S684600 to take advantage of this offer. Offer is available for rentals at participating locations in the U.S., Canada and Puerto Rico. Offer may not be used in conjunction with any other AWD number, promotion or offer. Weekly rates require a minimum five day rental period. Weekend rate available Thursday noon; car must be returned by Monday 11:59 p.m., or higher rate will apply. A Saturday night keep and an advance reservation may be required. Offer is subject to vehicle availability at the time of rental and may not be available on some rates at some times, including some online rates at Avis.com. Car rental return restrictions may apply. Offer subject to change without notice. Holiday and other blackout periods may apply. Renter must meet Avis age, driver and credit requirements. Minimum age may vary by location. An additional daily surcharge may apply for renters under 25 years old.Hertz: Free Child Seat on a weekly rental is valid for a Free Child Seat on your next Leisure Weekly rental. Offer is available at participating locations in the U.S., Canada, and Puerto Rico and is subject to availability. Minimum weekly rental is 5 days, including a Saturday night; after seven rental days, the standard Child Seat rental rate will apply. Modifying your reservation may result in a change in rate and/or invalidate this offer. This offer is redeemable at any participating Hertz location in the U.S., Canada or Puerto Rico. Blackout periods may apply. Discount applies to time and mileage charges only. Taxes, tax reimbursement, recovery surcharges and optional items, such as refueling, are extra. Offer has no cash value, may not be used with Tour Rates or Insurance Replacement Rates and may not be combined with any other certificate, voucher, discount, or promotion. Standard rental qualification, rental period, and return restrictions must be met. Minimum rental age is 21; age differential charges and other exceptions may apply. One Car Class Upgrade is available on weekend or weekly rental (Compact through Fullsize, max Premium). This offer is subject to upgrade vehicle availability at time and place of rental. Highest obtainable upgrade is to a Premium class vehicle. Brand and model are not guaranteed. Advance reservations are required. Blackout periods may apply. Offer is redeemable at participating Hertz locations in the U.S., Canada and Puerto Rico. Modifying your reservation may result in a change in your rate and/or invalidate this offer. Offer has no cash value and may not be used with Pre-pay Rates, Tour Rates or Insurance Replacement Rates. This offer may not be combined with any other certificate, voucher, offer or promotion. Hertz age, driver, credit and qualifying rate restrictions for the renting location apply. Taxes, tax reimbursement, age differential charges, fees and optional service charges, such as refueling, are not included. Discounts apply to time and mileage charges only. Discounts in local currency on redemption. Offer valid for vehicle pickup. 2 Free Days of NeverLost are on a minimum 3 day rental; Rent 1 day of Neverlost, get 2nd and 3rd day free. NeverLost is available in select cities. Subject to availability. Additional fees may apply. Modifying your reservation may result in a change in rate and/or invalidate this offer. Offer is available on Daily, Weekend and Weekly Rates with no blackouts. Minimum rental period is 3 days on all NeverLost equipped vehicles (excluding Hertz Prestige Collection and Hertz Adrenaline Collection) at participating locations in the U.S. Offer has no cash value, may not be used with Pre-pay Rates, Tour Rates or Insurance Replacement Rates and may not be combined with any other certificate, voucher, discount, or promotion. Standard rental qualification, rental period, and return restriction must be met and the vehicle must be returned to the renting location. Minimum rental age is 21; age differential charges and other exceptions may apply. Offer is available one time only and is not transferable. Taxes, tax reimbursement, recovery surcharges and optional items, such as refueling, are extra.Royal Caribbean International: Offer is valid on all bookings for family bookings of 2 passengers or more with at least 1 passenger under the age of 17 or younger. Offer is valid on all sailings, and is combinable with Group rates. May not be transferred, exchanged or redeemed for cash or credited towards other purchases or substitutions. Offer is valid only for voyage or date printed on award letter. Award letters are not replaceable if lost or stolen. Offers have no cash value. Priority Embarkation: At embarkation, proceed to the line marked ‘Crown and Anchor Society Members’ and show the priority embarkation coupon to one of our pier agents. You must have completed online check-in & have a valid SetSail Pass. Valid forms of identification are also required in order to proceed. Complimentary Johnny Rockets Meal: Present coupon marked, “Johnny Rockets” to the restaurant staff. You must present this coupon to redeem the offer. Your complimentary Johnny Rockets Experience is valid for one meal in Johnny Rockets® for up to four people and may not be broken up into multiple single dining experiences. Gratuity not included. Complimentary meal does not include soda, shakes or alcoholic beverages. Coupon is considered null and void after presenting to Johnny Rockets staff for the purposes of redeeming a dining experience. Presentation of the voucher does not provide guests any seating priority if there is a wait to be seated in the restaurant. May not be used in conjunction with any other promotional program. Limited to one per stateroom, per voyage. If the ship booked does not have a Johnny Rockets on board, a bottle of wine will be substituted. Complimentary soda package: Soda package must be redeemed on Embarkation Day. Applicable to guest(s) 17 years of age and under. Valid for up to two guests per stateroom.Regent Seven Seas Cruises: Offer is valid on bookings of 6 nights or longer. All fares, savings and offers are capacity controlled, may not be combinable with certain other offers, are subject to availability and may change or be withdrawn without prior notice. Shipboard credit offer is per suite, based on double occupancy, valid on all Regent Seven Seas current promotions, in all Suite categories, cannot be used in the casino, and cannot be combined with any other shipboard credit offers. Minimum two guests must travel to receive $275 shipboard credit. For Suites with one guest, a $125 shipboard credit applies.
Not all disputes are resolved in the Card Member's favor.
Offer valid in Atlanta, Boston, Chicago, Dallas, Detroit, Florida, Houston, Los Angeles, Minneapolis/St. Paul, NYC tri-state area, northern California, Philadelphia, and Phoenix. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.
Global Assist® Hotline
While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.
Roadside Assistance Hotline
Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.
Seller of Travel
American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/traveltermsCalifornia CST#1022318-10, Rhode Island ML#1192, Washington UBI#600-469-694, Iowa TA#002, Nevada NV#2001-0126.
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.
Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/EWterms.
Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.
Travel Accident Insurance
Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** with your eligible Card on a Common Carrier (e.g. plane, train, ship, bus, except charters). Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/TAIterms.**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.
*. This forum is designed for Cardmembers to rate their experience with products and services offered by American Express and its affiliated companies. Product or service requirements, price and features can depend on Cardmember choices as well as laws and the product or service contracts, which may vary by location. American Express does not guarantee the accuracy of Cardmember posts.
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