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True Earnings Card Review



Costco and American Express have teamed up to bring you the True Earnings Card. While normally department store credit cards don’t come with a ton of benefits, the True Earnings Card from Costco and American Express is a rewards credit card to be reckoned with. In our review of the True Earnings Card, we will take a closer look at how you can get the most out of using this rewards credit card.

True Earnings Card From Costco and AMEX Review

If you are looking at the True Earnings Card, you probably already pay for a Costco membership. Upon signing, you will need to provide proof of your Costco membership in the name of the cardholder. With the True Earnings Card, you’ll get 3% back from all gas purchases, including Costco gas stations, up to $4,000 every year. But the rewards don’t stop if and when you reach the $4K mark; you’ll continue to receive 1% on any gas purchases with no cap after that. Eligible travel purchases earn you 2% cash back, while dining at any US restaurant also gets you 2%. All Costco purchases will get you 2% cash back, while all other purchases will still get you 1%. Cash back is paid annually at the end of billing cycles.

Cash back is not where the True Earnings Card rewards stop, however. With the True Earnings Card, cardholders receive ravel insurance, roadside assistance, credit monitoring, and a variety of exclusive seasonal discounts. Additionally, the True Earnings Card grants free access and discounts to many special events throughout the year, including concerts and local sporting events. Cardholders receive opt-in emails prior to each event.

If you frequent Costco then there are some major benefits to having the True Earnings Card. While individually, there are better rewards credit cards out there that will give you a better cash back rate for qualifying purchases, however, when all of the benefits of the True Earnings Card are stacked side by side, it becomes a versatile weapon in your rewards credit card arsenal.


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