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Apply for Starwood Preferred Guest® Card Today!

True Earnings® Card from Costco and American Express

Issued by American Express

Card Highlights:

Card Category:	Consumer
Card Type:	Unsecured
Required Credit Rating:	Excellent / Good
Issuing Country:	United States

Available Rewards:

For explanation of each icon click here

Miles

Cash

Points

Charity

About:

0% Intro APR on Purchases for 3 months.
No Annual Fee.
Earn 3% Cash Back for gasoline.
Earn 3% Cash Back for restaurants.
Earn 2% Cash Back for travel.
Earn 1% Cash Back everywhere else, including Costco.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.

Credit Card Rates

Purchases:

Introductory APR:	0%
Introductory Period:	3 months
Ongoing APR:	13.99%
Default APR:	see terms
Minimum Grace Period:	20 days
Minimum Finance Charge:	$0.50

Balance Transfers:

Introductory APR:	1.99%
Introductory Period:	6 months
Ongoing APR:	13.99%
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Cash Advances:

Introductory APR:	n/a
Introductory Period:	n/a
Ongoing APR:	see terms
Default APR:	see terms
Minimum Grace Period:	n/a
Minimum Finance Charge:	$0.50

Credit Card Transaction Fees

Balance Transfer Fees:

Minimum:	$0¹⁷
Fee Rate:	n/a
Maximum:	n/a

Cash Advance Fees:

Minimum:	$5
Fee Rate:	3%
Maximum:	n/a

Foreign Exchange Fees:

Minimum:	see terms
Fee Rate:	see terms
Maximum:	see terms

Credit Card Other Fees

Initial Fees:

Setup Fee:

Maintenance Fees:

Annual Fee:

Penalty Fees:

Late Payment Fee:

see terms

¹⁷ There is no balance transfer transaction fee associated with this offer. However, future balance transfers may incur a fee as disclosed at the time of the applicable offer or transaction.