Rewards Card Page

TrueEarnings Card from Costco and American Express

Rewards Card Information

Card Benefits

TrueEarnings Card from Costco and American Express Cardholders

  • 3% cash back for annual gasoline purchases up to $4,000
    • 1% after that
  • 2% cash back on restaurant purchases
  • 2% cash back on travel purchases
  • 1% cash back everywhere else, including Costco

Purchase Protection:

  • Shop with confidence knowing that eligible purchases can be covered from theft and accidental damage up to $1,000 per occurrence and up to $50,000 per Cardmember account per calendar year
  • Good for up to 90 days from the date of purchase
  • Coverage is in EXCESS of other sources of indemnity

Identity Theift Assistance:

  • Cardholders can call Amercian Express the moment they think their identity may have been stolen
  • American Express is open 24/7 to help cardholders sort things out, and create strategies to keep them that way

Extended Warranty:

  • Cardholders can automatically extend their eligible purchase's manufacturer's warranty by up to 1 year
  • Cardholders can cover the item or $10,000; whichever is less not to exceed $50,000 per Cardmember account per calendar year
  • Good for eligible U.S. purchases with warranties of 5 years or less

Dispute Resolution:

  • American Express will begin investigating any unauthorized charge as soon as cardholders inform them of it
    • cardholders are not responsible for paying until their case is resolved

Cardholders travel easier with insurance and assistance from OPEN:

  • Car Rental Loss & Damage Insurance
    • Cardholders simply can use thier eligible card to reserve and pay for an auto rental and decline the collsion damage waiver at the rental coutner
  • Global Assist Hotline
    • Guarantee cardholders 24/7 medical, legal, financial, and emergency assistanace when cardholders are more than 100 miles from home
  • Roadside Assistance
    • Guarantees cardholders 24/7 help, even if they're only a block from home — whether members have a flat, empty tank, or need a tow to the nearest garage
  • Travel Accident Insurance
    • Cardholders can protect themselves and family with up to $100,000 in Travel Accident Insurance
    • Simply use the TrueEarnings Business Card from Costco and American Express to purchase a scheduled flight, cruise, train, helicopter or bus ticket

24/7 OPEN Business Support:

  • Signature Cardmember Business Support
    • Dedicated to every OPEN Cardmember
    • Cardholders can call 24/7 for one-on-one help from the representatives that will spend the time and focus to help resolve the member's issues

Cardholders Receive Automatic Discounts with OPEN Savings:

  • Open Savings Built-in Discounts
    • Cardholders receive automatic discounts on every purchase they make with their card at OPEN Savings partners
    • Cardholders simply pay with their card and their discounts will automatically credit to their monthly statement
    • Cardholders maximize their savings by combining them with all other offers, coupons, and deals

Network and Organize With OPEN Advantages:

Open Forum

  • Content Created just for OPEN
    • Cardholders can research their archive of articles and videos written by and featuring renowned experts from a spectrum of industries
  • Discussion boards
    • Cardholders can find trends and experience-driven advice from thousands of OPEN Cardmembers
    • Cardholders can start their own discussion and ask the forum to see if they can find an answer
  • Networking Opportunities
    • Cardholders can use the Connectedex to explore and create solid, money-saving partnerships with other OPEN Cardmembers

Annual Fee ($)

Free with paid Costco membership

Qualifying Transaction(s) Bonus?


Foreign Transaction(s) Fee (%) in USD


Intro Purchase APR?


Intro Purchase APR Info

0% introductory APR for first 6 months

Purchase APR (%)

15.24% (V)

Avoid Paying Interest

  • The due date is at least 25 days after the close of each billing period
  • Cardholders will not be charged interest on purchases if they pay the entire balance by the due date each month
  • Interest will be charged on cash advances and balance transfers on the transaction date

Intro Balance Transfer APR?


Max Late Payment Fee ($)


Max Returned Payment Fee ($)


Penalty APR (%)

27.24% (V)

Balance Transfer APR (%)


Balance Transfer Fee (%)

15.24% APR on balance transfers requested within 30 days of account opening

Cash Advance APR (%)

25.24% (V)

Sponsoring Companies

Sponsoring Rewards Programs

Current Promotions

Currently No Information

*Disclaimer: See the online application(s) for details about terms and conditions of all offers. To confirm terms and conditions, click on the "Sign Up" button and review info on the terms page. We expend substantial effort to maintain accurate information. However, all information on the site is presented without warranty.