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The True Earnings 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 that boosts your earning power with generous cashback rewards: Only Costco members can apply for the True Earnings Card.

Cashback rewards will be paid by providing you with a paper Costco voucher within your American Express Credit Card statement in the month following your Card anniversary on the expenditure that has taken place during the preceding 12 months. 0% interest rate on purchases for the first 6 months will only be available provided the minimum payment is received by the due date.

Your Card anniversary month is the one month period each year following the date on which your account was opened. There is no interest free grace period on Balance Transfers or Cash Advances. The additional 2% from the Costco Executive Membership Programme does not apply to purchases of tobacco, infant milk and stamps.

Unlike some other cards, the definition of “family members” is unusually broad (domestic partners, in-laws, grandchildren, grandparents, aunts, uncles, nephews and nieces, etc.).

Add funds to your card with direct deposit or with cash in store at any of our convenient locations.° Use your reloadable prepaid card to shop, get cash at ATMs, pay bills online or shop in stores anywhere Visa, Master Card or American Express cards are accepted.Many reward schemes are tied to specific retailers, so the first thing to consider is how and where you are most likely to use it.If you don't actually use your card in the right place, it could be a waste of time.The Executive Reward is provided by Costco and will be awarded separately to your True Earnings cashback rewards and cannot be redeemed online.For further information on the Costco Executive Membership Programme, please speak with the membership desk.