TrueEarnings Card from Costco and American Express®

Warning

This card is no longer offered by the provider.
Please click below to see the other cash back cards available.

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First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
Cash advance: 21.99%
%
Purchase interest rate
Cash advance: 21.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Rewards
Earn points on each dollar you spend
How much do you spend at restaurants each month? Some cash back credit cards give you a percentage of cash back for every dollar spent in a restaurant. Give an estimate, if you're unsure. Restaurants
3%   Cash Back
on eligible restaurant purchases
How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas
2%   Cash Back
2% up to $3,000 annually, 1% on any amount over $3,000 gas spending per year
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1%   Cash Back
1% on any amount over $3,000, 0.25% up to $1,000, 0.5% over $1,000 up to $2,000
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Insurance
Benefits
Most credit cards come with at least some additional insurance policies. Here's what's covered with this credit card. Insurance
Travel accident insurance
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance

Card details

Network: American Express
Provider: American Express
Card type: Rewards, Low interest, No annual fee

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $0
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.75%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 21.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: N/A

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: $15K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.

Welcome Offer: Get up to 5% cash back in your first 3 months. Get a 1.99% introductory interest rate on Balance Transfers for 9 months, 1% fee applies to balance amounts transferred.

Get 4 points†† per $1 on eligible gas, groceries and restaurants purchases and up to 10,000 bonus points. Conditions apply

Standard Annual Interest Rates of 12.99% on purchases, 12.99% on balance transfers✪and access cheques, and 24.99% on cash advances

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Get more details

2.99% special low interest rate on purchases for the first 6 months of Cardmembership, 19.75% thereafter, 21.99% on funds advances, provided you make your minimum monthly payments on time‡

You can earn cash back on purchases inside and outside of Costco.

Earn 3% cash back on eligible restaurant purchases

Earn 2% cash back on eligible gas purchases

  • 2% up to $3,000 annually
  • 1% on any amount over $3,000

Earn up to 1% cashback on everyday purchases - inside and outside of Costco.

  • 0.25% up to $1,000
  • 0.50% on the next $2,000
  • 1% on any amount over $3,000

Read the latest on Costco credit cards and the new Capital One Mastercard.