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The Costco TrueEarnings® American Express® Credit Card

0% interest on purchases for first 6 months of Cardmembership
Representative 22.9% APR 
Representative Example

Representative APR
22.9% APR variable
Annual fee
Based on £0
Credit Limit
Assumed credit limit of £1,200.
Purchase Rate
22.9% variable for purchases.
Product Terms Read summary box

Key Benefits


Pays great rates of Cashback rewards on restaurant dining, travel and shopping purchases


Welcome offer of 0% interest on purchases for your first 6 months of Cardmembership


Enjoy access to some of the hottest tickets in town with American Express Invites .

Reward yourself

The TrueEarnings Card combines the fantastic value of Costco membership with all the great benefits you get as an American Express Cardmember. The result is a Card with generous Cashback rewards
  • Pays 3% cashback rewards on virtually all your restaurant dining (no maximum)
  • Pays 2% cashback rewards on nearly all your travel bookings (no maximum)
  • Pays 1% cashback rewards at Costco and almost everywhere else (maximum £300 cashback rewards in 12 months)
  • Each year you’ll be sent a Paper voucher for the value of cashback rewards you have earned, which can be redeemed for goods, services or cash
  • If you are a Costco Executive member the 1% cashback rewards from your TrueEarnings card is in addition to your current rate from Costco
  • If you are a Primary Costco member you can earn cashback rewards even faster with complimentary Supplementary Cards for family members or friends, as long as they are also Costco members and adults living in the UK

World-class service

As you might expect from Costco and American Express, the service is a little bit special. You can phone or email us 24/7 and we’ll get on it right away. And that’s just the start of what we can do for you.
  • Your TrueEarnings Card doubles as your Membership Card making your Costco shopping experience more convenient
  • Don’t recognise a purchase? We’ll remove it from your Account immediately and investigate it for you as part of our online fraud guarantee
  • Make your next night out a memorable one with American Express Invites and enjoy access to some of the most in-demand music, film and theatre events in town.
Only Costco members can apply for the TrueEarnings Card. If you are not a Costco member please visit Costco.co.uk to find out how to get your Costco membership today.
  • I am a Costco member
  • I can visit a Costco warehouse to get my photo taken
  • I am aged 18 or over
  • I have a current UK bank or building society account
  • I have a permanent UK home address
  • I have no County Court Judgements for non-payment of debt
  • If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.
Important Information
Please ensure that you have read and downloaded these important documents before starting your application.
American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

Need help completing your application?
Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.

Ready to apply?

0% interest on purchases for first 6 months of Cardmembership. Representative 22.9% APR.
The Costco Credit Card is offered by American Express Services Europe Limited. Click here for more information.
The Costco Credit Card is offered by American Express Services Europe Limited. Click here for more information.