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Your Card Benefits at a glance.

From earning cash back* to access to entertainment events, as a TrueEarnings Cardmember, the following benefits are yours to enjoy:

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Benefits Overview

TrueEarnings Credit Card
  • No annual fee
  • Earn cash back
  • No maximum annual rebate
  • One Card, two memberships - Simply show your TrueEarnings Card for entry into any Costco warehouse and use it for your purchases
  • Since your TrueEarnings Card is a credit card, you can either carry a balance from month to month, or pay it off in full
  • Free Supplementary Card for a current Costco member5
  • Emergency Card Replacement
  • 24/7 Customer Service

Entertainment Access

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Get advance and reserved ticket access to some of the hottest concerts, theatre productions, and special events.1 To get the latest entertainment news from Front Of The Line®, sign up for e-Updates now.

Have peace of mind when you shop

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The following benefits are included with your Card:

  • Buyer’s Assurance® Protection Plan 2 – Automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full purchase price to your TrueEarnings Card
  • Purchase Protection® Plan 3 – Automatically, without registration, insures your eligible purchases against accidental physical damage and theft when you use your TrueEarnings Card
  • Fraud Protection Guarantee – you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details. 4

* Rebates are calculated on eligible purchases (less credits and returns) at American Express merchants and are issued as a rebate coupon in January to qualified accounts in good standing for redemption at Costco warehouses in Canada for goods, services or cash within 6 months of date issued. Coupons are not transferable. Funds advances, interest, balance transfers, Amex cheques, annual fees, other fees and charges for travellers cheques and foreign currencies are not purchases and do not qualify. Rebates are also not earned on any purchases where not permitted by law. 3% rebate applies to purchases in Canada at restaurants. 2% rebate applies to consumer automobile gas purchases in Canada of up to $3000 annually (1% thereafter) at Costco and retail stand-alone gas stations (excluding superstores, supermarkets, other warehouse clubs and retail stores for which gas is an adjunct to their business). For other eligible purchases, rebate of .25% applies on the first $1000 annually, .5% applies on the next $2000 and 1% on amounts over $3000. Calculation resets annually. Percentage rebate is subject to categorization of and submission of charges by American Express merchants. Additional conditions and restrictions apply as set out in the terms accompanying the Cardmember Agreement.

: All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

1. On select events. Purchase must be charged in full to an American Express Card. Subject to availability and to event and ticketing terms, conditions and fees.

2. When you charge the full price on eligible purchases to your TrueEarnings Card, the coverage given under the manufacturer’s original warranty is automatically doubled for up to one additional year. Buyer's Assurance Protection Plan is underwritten by Royal & Sun Alliance Insurance Company of Canada.

3. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance.

4. Use the American Express Card online or off, and you won’t be held responsible for any fraudulent charges, as long as you’ve taken reasonable care to protect your account details and PIN. Notify us at once if your Card is lost or stolen, or you suspect it is being used without your permission.

5. No annual fee for Supplementary Cards. Must be age of majority. Maximum 9 Supplementary Cards per account. Account must be in good standing.

™ ®: Used by Amex Bank of Canada under license from American Express.