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TrueEarnings Business Credit Card
YOUR CARD CALCULATING YOUR REBATE REBATE COUPON REDEMPTION REBATE COUPON REPLACEMENT
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How do I earn cash back on my Costco TrueEarnings® Business Card?

You'll automatically earn cash back on your purchases made inside and outside of Costco, when you pay with your TrueEarnings Business Card. You earn 4% cash back for annual gasoline purchases of up to $6,000 (1% thereafter), 2% cash back for restaurants, 2% cash back for travel, and 1% everywhere else including Costco. Please visit our interactive reward calculator to estimate your reward.
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Can I use my TrueEarnings Business Card outside of Costco?

Yes. You can use your Card anywhere American Express Cards are welcome. And with 4% cash back for annual gasoline purchases of up to $6,000 (1% thereafter), 2% cash back for restaurants, 2% cash back for travel, and 1% everywhere else, when you use the Card outside of Costco your annual cash reward can really add up.
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Do I need to pay an annual fee or enroll in a special program in order to earn cash back with the TrueEarnings Business Card?

No. There is no annual fee for the TrueEarnings Business Card. As long as you have a paid Costco membership, you can automatically earn cash reward for all your eligible purchases on this Card.
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Are there any limits to how much cash back I can earn with the TrueEarnings Business Card?

There is no limit to how much cash back you can earn with your TrueEarnings Business Card.
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What happens to my reward if I cancel my TrueEarnings Business Card?

If you cancel your TrueEarnings Business Card, your reward is forfeited.
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Can I have both the TrueEarnings Business Card and the TrueEarnings Consumer Card?

Yes, Costco does permit their members to have one business and one consumer account per warehouse membership. There is no annual fee on the TrueEarnings Business Card or the TrueEarnings Consumer Card and having both Cards is a great way to separate your business expenses from your personal expenses.
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I see a charge in my statement that reads "Costco Member Renewal". What is this fee for?

Your Costco annual warehouse membership fee is automatically charged to your TrueEarnings Business Card. This warehouse membership fee will qualify toward your annual reward. If you'd rather pay for your warehouse renewal by check or cash, which will not qualify toward your reward, please call Costco Wholesale at 1-800-774-2678.
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I have an additional member listed on my Costco membership. How can I add this person on my TrueEarnings Business Card?

You can add an additional member to your account using our secure application
online, visiting your local Costco Warehouse or contacting American Express Customer Service at 1-888-708-8128.
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Do I need to pay my balance in full in order to earn a reward with my TrueEarnings Business Card?

No, you just need to pay your minimum balance due by the payment due date to be eligible for a cash reward.
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Can I have both the TrueEarnings Business Card and the American Express® Costco Business Card?

Yes. You can have both the TrueEarnings Business Card and the American Express Costco Business Card.

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What happens to my reward from my TrueEarnings Business Card if I received a new Costco Executive Plastic?

When you receive a new Executive plastic, the amount of reward earned on your original Card is transferred to your new Card as a lump sum amount. At the end of the reward year in which you receive your new Executive plastic, that lump sum amount is added to the reward amount earned on your new Card and that combined amount is reflected on the coupon for that reward year.

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How is my Costco annual reward calculated?


The cash reward, issued in February, is calculated based on your eligible charges through your January billing statement. For example, your February 2010 reward will be calculated based on eligible charges from your February 2009 to January 2010 billing statements.
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How long will it take for my cash reward to appear on my billing statement after I make a purchase with my TrueEarnings Business Card?

Your reward amount is calculated on a monthly basis. Reward earned from charges on your current billing statement will appear on your next billing statement.
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How do I know how much cash back I've earned to date using my TrueEarnings Business Card?

The reward that you have earned since the beginning of the reward period (February of the current year), can be found on the Cash Back Reward Summary section of your monthly billing statement. You can also find your reward on-line by logging into My Account Summary, clicking the "Online Statement" link, and then clicking the “Your Rewards” tab on the right. Reward earned from charges on your current billing statement will appear on your next billing statement and online account summary.
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How do I check my TrueEarnings Business Card reward summary online?

Log-in or sign-up to access your account online via My Account Summary, click the "Online Statement" link, and then click the “Your Rewards” tab on the right.
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I am also an Executive Member at Costco; would I be able to earn cash back with the TrueEarnings Business Card?

Yes. Executive Members enjoy an annual 2% reward on most Costco purchases, up to $500 a year. This reward will be issued by Costco upon your Costco membership renewal. In addition, you can also earn cash back when you use your TrueEarnings Business Card for your purchases inside and outside of Costco. This reward will be issued from American Express every February. Visit our interactive
reward calculator to see how we calculate your reward. Click here to learn more about the benefits of a Costco Executive Membership.

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I also have a TrueEarnings Consumer Card. Can I transfer my reward balance between my TrueEarnings Business Card and my TrueEarnings Consumer Card?

No. You cannot transfer your reward balance between a Business account and a Consumer account. To prevent forfeiting the reward on your Business account, you must keep your Business account open. There is no annual fee on the TrueEarnings Business Card or the TrueEarnings Consumer Card and having both Cards is a great way to separate your business expenses from your personal expenses.
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When will I get my Costco Cash Reward Coupon? How will I receive my coupon?

Cash Reward Coupons are issued once a year on the last page of your February paper billing statement.

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How will I get my Costco Cash Reward Coupon if I receive online statements only?

If you usually receive your billing statements online, we will send you a paper billing statement for February with your coupon attached to the last page. To redeem your reward coupon you must present the coupon from the last page of your paper billing statement. Please do not print out the coupon from your online statement because the coupon from your online statement has the word VOID printed across the coupon and is not valid for redemption.

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What happens to my reward if I cancel my Costco membership?

Only Costco members are eligible for the TrueEarnings Business Card. If you no longer have a valid Costco membership, your TrueEarnings Business Card account may be cancelled and your reward forfeited. One convenient way to ensure that your Costco membership stays active is to have your annual membership fee automatically billed to your TrueEarnings Business Card. Please contact Costco at 1-800-774-2678 to confirm that your membership fee will be automatically billed to your TrueEarnings Business Card.

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How do I redeem a Costco Cash Reward Coupon?


You can redeem your Costco Cash Reward Coupon from American Express at any
U.S. Costco Warehouse including warehouses in Puerto Rico. At the Costco warehouse you may redeem your coupon for Costco merchandise, cash, or cash equivalent.

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Can I print the Costco Cash Reward Coupon from my online statement to redeem my reward at Costco?

No. A reward coupon is void if printed from an online statement so do not print the online February statement to get a coupon. For the month of February, you will receive a paper statement with a valid reward coupon attached to the last page of the statement.

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When does the Costco Cash Reward Coupon expire?

Cash Reward Coupons expire on August 31st of the year of issuance. The expiration date can be found on the top right corner of the coupon above the reward amount.

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What if I don't use my entire Costco Cash Reward Coupon on my purchase?

The balance may be issued in cash or cash equivalent at the Costco Warehouse.

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Can I give the Costco Cash Reward Coupon to someone else to use?

Cash Reward Coupons are not transferable. They may only be redeemed by the Basic Cardmember or Additional Cardmembers.

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Can I use the Costco Cash Reward Coupon on Costco.com?

Cash Reward Coupons may not be redeemed on Costco.com.

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I just found a Costco Cash Reward Coupon from two years ago. Can I still use it?

No. Cash Reward Coupons must be redeemed in any U.S. Costco Warehouse, including those in Puerto Rico, prior to the expiration date printed on the front of the coupon, August 31st of the year of issuance.

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Can I send in the Costco Cash Reward Coupon as payment on my Card account?

No. Cash Reward Coupons may not be used for payment of the outstanding balance on your TrueEarnings Business Card Account.
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Can I mail in the Costco Cash Reward Coupon to renew my Costco Membership?

No. Cash Reward Coupons may not be used to renew your Costco Warehouse Membership.
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Can you send me a replacement Costco Cash Reward Coupon?

Please contact American Express Customer Service at 1-888-708-8128 for assistance. Reward coupons may be re-issued one time if requested prior to the coupon's expiration of August 31st of the year of issuance. If you find your original coupon after ordering a replacement, please discard one of the coupons because each account is only entitled to redeem one coupon.

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I just received my February statement from American Express and I do not see a Costco Cash Reward Coupon in my billing statement, why?

Please confirm you are looking at the correct billing statement because if your statement closes late in the month, you may not receive your February billing statement until early March. If you have confirmed you are reviewing the correct billing statement, your reward earned as of January is greater than $1, you paid your minimum balance due by the payment due date all year, and you did not receive your reward, please contact Customer Service at 1-888-708-8128 to inquire about your reward.

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I misplaced my Costco Cash Reward Coupon. Can I print out the coupon from my online billing statement?

No, the coupon on the online statement cannot be used for redemption because it is not a valid coupon. To replace your coupon, please contact American Express Customer Service at 1-888-708-8128 to request a replacement coupon. A reward coupon may be re-issued up to one time if requested prior to the coupon's expiration of August 31st of the year of issuance.

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