TrueEarnings Card from Costco and American Express issued by American Express
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The TrueEarnings® Card from Costco and American Express is designed for Costco members who have average credit and plan to take advantage of the cash back reward program. The cash rebate amount varies according to where the cardholder makes the purchase; 1% is earned on general purchases, 2% is earned for travel-related purchases, and 3% is earned for restaurant and gasoline purchases. There is no limit to the amount of cash rebates that can be earned. In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance. The card has an average interest rate for purchases and balance transfers (for a reward card). There is no annual fee with a paid Costco membership. Cardholders can also take advantage of the 0% introductory offer on purchases for three months and the very low balance transfer offer for six months on balance transfers made within the first 40 days of membership. Therefore, those who plan to spend at least $5,000 a year on the card and plan to pay in full each month after the introductory rate expires (to avoid finance charges) will benefit most from what the TrueEarnings® Card from Costco and American Express has to offer. Most Attractive Feature: Cash back rebate program; no annual fee. Least Attractive Feature: Available to Costco members only. Apply Now For TrueEarnings Card from Costco and American Express Note: The review of this American Express card was updated on 04/24/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 3 Months
Applied Towards:	Purchases
Details:	A 1.99% introductory rate is available on balance transfers for the first six months if a transfer is submitted during the first 40 days.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	15.24%
Cash Advance APR:	20.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $400 and $35 on balances of $400 and over
Over-the-Limit Fee:	$29
Cash Advance Fee:	3%, $5 minimum for Express Cash transactions
Balance Transfers:	There is no balance transfer fee for balance transfers made within the first 40 days of cardmembership. However, future balance transfers may incur a fee as disclosed at the time of the applicable transaction.

The Rewards Program Highlights
Optional Reward:	No
Rebate Minimum:	1%
Rebate Maximum:	3%
Additional Rebates:	Earn a 3% rebate for gasoline purchases; earn a 3% rebate for restaurant purchases; earn a 2% rebate for travel purchases; and 1% rebate on all other purchases including Costco.
	The rebate will be sent each year in the cardholder's February billing statement.

Additional Highlights of Interest

Special Card Benefits and Features Card can be used as a Costco membership card. Various travel and emergency assistance services. Auto rental insurance. Various Internet account related services. No liability for unauthorized Internet transactions. Access to various discounts at participating retailers and merchants. Extended warranty for purchases. Purchase protection. Emergency card replacement. Up to $100,000 in travel accident insurance. See website for additional benefits. Important Notes Regarding This Offer To apply for the card, the applicant must have a valid Costco membership. This card is not available to Puerto Rico residents. See website for complete terms and conditions of card usage and application disclosure.