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Details

Credit Card

  • Option to carry a balance each month with interest
  • 0.0% introductory APR on purchases for the first 6 months, then a variable rate, currently equal to 15.24%

Cash Back

  • 4% Cash back at U.S. gas stations and on gasoline at Costco up to $7,000 per year in purchases, (then 1%).
  • 2% Cash back at U.S. restaurants
  • 2% Cash back on eligible travel purchases, including at Costco
  • 1% Cash back on other purchases, including at Costco
  • Terms and limitations apply. You will receive your cash back annually in the form of a reward coupon.

Annual Fee

$0

Includes:
  • No annual fee with your paid Costco membership
  • $0 annual fee for each Additional TrueEarnings Business Card from Costco and American Express as long as Additional Card Members are on your current Costco membership

Good For

  • Frequent Drivers

    Get 4% Cash back at U.S. gas stations and on gasoline at Costco up to $7,000 per year in purchases, (then 1%). Terms and limitations apply. You will receive your cash back annually in the form of a reward coupon.

  • Two Memberships in One

    No annual fee with your paid Costco membership.

  • Earning Cash Back

    Earn cash back that you can use towards future business expenses.

  • Benefits

    Travel benefits image

    Purchase Protection

    When an American Express Card Member charges a covered purchase with their Card account, Purchase Protection can help protect your purchases for up to 90 days from the date of purchase if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

    Car Rental Loss and Damage Insurance

    Car Rental Loss and Damage Insurance can provide coverage for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible auto rental and decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions.

    Baggage Insurance Plan

    Baggage Insurance Plan coverage can be in effect for Eligible Persons during their travel on a Common Carrier (e.g. plane, train, ship, helicopter, or bus) when the entire fare for a ticket for the trip (one-way or round-trip) is charged to an eligible Card Account. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, helicopter, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

    Global Assist® Hotline

    Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being a Card Member can make things easier. From pre-trip planning to finding an English-speaking doctor, Global Assist® Hotline is ready to help with coordination and assistance services when you travel more than 100 miles from home. Card Members are responsible for the costs charged by third-party service providers.

    Roadside Assistance Hotline

    Your car breaks down or blows a tire and you’re stranded. Now what? Luckily you’re a Card Member. Call the number on the back of your Card for Roadside Assistance Hotline. Coordination and assistance with obtaining emergency services like towing, changing a flat, or boosting a battery are a phone call away and you can use your Card to pay. And soon you’ll be on your way. Third-party service costs are your responsibility. There are some vehicle exclusions and other important restrictions.

    Travel Accident Insurance

    Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance can cover travel by plane, train, ship, bus, or helicopter when you purchase the entire fare** on your eligible Card. Please read important exclusions and restrictions.

    OPEN Savings®

    Boost the savings you get from the TrueEarnings® Business Card from Costco and American Express with the built-in OPEN Savings benefit. It’s designed to automatically give you up to a 10% discount credited to your statement when you use your Card for eligible purchases with OPEN Savings partners including FedEx, Hertz®, and more. Discounts will be applied in the form of a statement credit.

    Extended Warranty

    Use your Card for your new purchases and you can have warranty protection for longer. Extended Warranty can provide up to one extra year added to the original U.S. manufacturer’s warranty. Applies to warranties of 5 years or less when the purchase is charged to the Card. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

  • Benefits with Every Business Card from American Express OPEN

    Dispute Resolution

    We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying the charge until your case is resolved.

    ReceiptMatchSM

    ReceiptMatch is a feature included with Business Cards from American Express OPEN that digitally matches and stores images of your receipts to your online statement so you can easily manage them from anywhere using your desktop or mobile devices.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

    Authorized Access

    Appoint one of your associates to help manage your account, choosing from two levels of access that are tailored to your needs.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps make it easier to manage your Card account whenever it’s convenient for you.

    American Express Open benefits

    OPEN Forum®

    OPEN Forum is an online community for small business owners to exchange experiences, advice, tools and tips to inspire each other to take action and succeed.