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To apply for the TrueEarnings® Card from Costco and American Express, visit the membership desk at any Costco location in Puerto Rico. |
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| Annual
Fee |
None,
with paid Costco Membership |
| Low Introductory Rates |
0% APR on Purchases for the first three months of Cardmembership.1 |
| Payment Flexibility |
An Introductory APR of 1.99% for the first six months of Cardmembership.
When you transfer balances from other credit cards to your American Express Credit Card Account, you enjoy the convenience and benefit of only one monthly bill at a competitive rate.2
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| Earn cash back a smart way |
With the TrueEarnings Card from Costco and American Express, earning cash back is simple. It works like this – use your Card every time you make a purchase and you can earn 3% cash back for gasoline, for annual gasoline purchases of up to $3,000 (1% thereafter), 3% cash back for restaurants, 2% cash back for travel, 1% cash back everywhere else, including Costco.3 You can even earn cash back when you pay your cable, phone and other bills. You will know what you’re earning with the TrueEarnings Card.3 |
| Earn cash back even faster with Additional Cards |
Add Additional Cardmembers to your TrueEarnings Card account. When they use their Cards, you can earn cash back. Additional Cardmembers must be listed on your current Costco membership and be 18 years or older. To apply for Additional Cards, visit the Membership desk at any Costco in Puerto Rico. |
| Manage your Expenses with the Card |
With your TrueEarnings Card you can pay in full or pay over time on all your purchases inside and outside Costco. Paying over time can help you manage your expenses.
Use the Card to buy that plasma TV you’ve had your eye on - or at restaurants, department stores, for travel, or tickets to movies and sporting events.
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| Manage Your Card Account Online |
Sign up to view your account online, and you will be able to complete your American Express transactions in a matter of seconds. View your statement, track your recent charges, and pay your bill whenever it is convenient for you. Plus, all account information is protected by state-of-the art encryption technology, so you always feel secure.4 |
| Account Bill Payment |
Pay bills automatically with your Card, and never miss a payment again. You can use Automatic Bill Payment for all your monthly household bills. Plus, you can earn cash back with virtually every bill you charge to your Card.4 |
| Year-End Summary |
Your online Year-End Summary of charges provides a detailed record of your expenses, organized by month and category, such as travel, entertainment, healthcare, and fees - plus expenses can be labeled as Personal or Business. You can also print, sort, and download your Online Year-End Summary of charges to your computer, a helpful tool come tax time. |
Fee Based
| Credit Card Registry |
Credit Card Registry ensures a Cardmember’s Cards will be protected. The service will cancel and request replacements of any lost or stolen Cards - all with a single call. This includes all Cards, not just American Express Cards. Fraudulent charges will be reimbursed up to $5,000 per loss incident and up to $25,000 per enrollment.5 |
| Credit Secure® |
In a world where information can move faster than the speed of light, it is more important than ever to monitor your personal credit information. CreditSecure, exclusive to American Express Cardmembers, gives you the resources to stay on top of your credit around the clock with immediate access to your credit information. And with alert notifications, you can be informed when key changes occur - so you can take preventative measures against the devastating effects caused by Identity Theft. |
1 The introductory APR for purchases is 0% for the first three months after your account is opened. Then a variable rate equal to Prime Rate plus 9.99% will apply to Purchases. Over-limit fees will be $29 in each billing period the New Balance on your statement exceeds your credit line. Late payment fees will be: $0 to $30, subject to applicable law. Fee for Cash Advances through Express Cash: 3% of the cash transaction with a $5.00 minimum and no maximum.
2 Balance transfers posted to your account during the first 30 days of Cardmembership will receive a 1.99% introductory APR for the first six months of Cardmembership. Then a variable rate equal to Prime Rate plus 9.99% will apply. APR’s that are based on the Prime Rate may vary monthly. The Prime Rate for each billing period is the Prime Rate published in the Money Rates section (or successor section) of The Wall Street Journal on (a) the first day of that billing period or (b) the day that is two days prior to the Closing Date of that billing period, whichever is higher. In each case, if such a day is not a customary publication day for The Wall Street Journal, we will substitute the closest preceding day that is a customary publication day. Your account is reviewed monthly and will be considered in default if minimum payments are not timely paid, your account is over-limit, any account terms are breached, or the account is otherwise in default as defined in the Cardmember Agreement, in each case during any portion of the 12-month period prior to the billing period ("review period"). Defaulted accounts will forfeit the introductory and any promotional rates. If a promotional rate is in effect when an account defaults, that rate will apply and expire according to the promotional terms disclosed when the Cardmember was offered the account or promotional opportunity.
3 Each Eligible Purchase shall qualify for a Rebate of 1, 2, or 3 percent, as follows: 3% for the first $3,000 in annual purchases (1% thereafter) of automobile gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (which excludes superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 3% at restaurants; 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operators; and 1% on all other Eligible Purchases posted to your account. “Eligible Purchases” include purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller machines, or other means of accessing your Account), Balance Transfers, or adjustments to your Account or the purchase of American Express® Travelers Cheques, American Express® Gift Cheques or other cash equivalents. Rebate is awarded annually in the form of an in-store coupon redeemable for cash or merchandise at any U.S. Costco Warehouse. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.
4 Manage Your Account Online and Bill Payment are Online Services provided through the United States portion of www.americanexpress.com which is an English language website designated primarily for the use of continental U.S. Cardmembers. Some of the services and benefits may not be available to Cardmembers residing elsewhere.
5 For more information including fees, please contact American Express Travel Related Services Company, Inc., Credit Card Registry, P.O. Box 1350, Lanham, MD 20797-0332, or by calling 1-800-227-2639.
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