Costco Card

The Costco TrueEarnings®
American Express® Credit Card

The Card that pays on dining, travel and shopping


✓ Make your Costco membership go further with the
TrueEarnings Card
✓ Great rates of cashback rewards on eligible restaurant
dining, travel and shopping purchases1
✓ Welcome offer of 0% interest on purchases for your first
six months of Cardmembership.2

Card type:

Credit Card with variable credit limit

Representative Example:

Representative 19.9% APR variable. Based on an assumed borrowing of £1,200. Interest rate for purchases: 19.9% per annum variable. No annual fee.

The sooner you apply, the sooner you’ll start earning great cashback rewards.
Apply now


How much could you earn in cashback rewards?


cashback rewards on all eligible
restaurant dining
(no maximum)1


cashback rewards on all eligible
travel bookings
(no maximum)1


cashback rewards at Costco and
almost everywhere else
£300 cashback rewards in 12 months)1

What is your average monthly spend on restaurant dining?

£0  £500+

What is your average monthly spend on travel?

£0  £1,000+

What is your average monthly spend inside and outside Costco?

£0  £2,500+

Your potential annual cashback rewards:


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 that boosts your earning power with generous cashback rewards:

  • Welcome offer of 0% interest on purchases for your first six months of Cardmembership2
  • Earn 1% cashback rewards on your purchases at Costco warehouses with your TrueEarnings Card. If you are a Costco Executive member, this is on top of your current rate from Costco3
  • 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
  • Each year you’ll be sent a voucher for the value of cashback you have earned, which can be redeemed for goods, services or cash4.

World class service

As you might expect from Costco and American Express, the service is a little bit special.

  • Your TrueEarnings Card doubles as your Costco membership card for a more convenient shopping experience in-warehouse.5
  • Make your next night out a memorable one with American Express Invites
    American Express Invites gives our Cardmembers access to a wide range of sought after events, often before they go on general sale. Tell me more. Close
    and enjoy access to some of the most in-demand music, film and theatre events in town.
  • Don’t recognise a purchase? We’ll remove it from your account immediately and investigate it for you as part of our fraud guarantee.
  • Benefit from the world famous American Express customer service 24/7.


Only Costco members can apply for the TrueEarnings Card. If you are not a Costco member please visit to find out how to get your Costco membership today.

To save time when you’re applying for the TrueEarnings Card, it’s best to make sure you can say yes to the following:

  • 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 an annual household income of at least £25,000
  • I have a permanent UK home address
  • I have no County Court Judgements for non-payment of debt
  • And if self-employed, I have been working for more than one year.

If you can say yes, go ahead. Your application should take less than 10 minutes and we may be able to give you a response in less than 60 seconds – so apply now.

Apply now
Make your Costco membership go further with the TrueEarnings Card.

By clicking the below links and by clicking apply now, you will be directed to a providers site. Please review the Privacy Policy of that site as it may differ from's.

Read Terms & Conditions
Read Summary Box
Read Standard European Consumer Credit Information and Additional Explanations
Your Guide to the Lending Code

1. 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. Your Card anniversary month is the one month period each year following the date on which your account was opened. See Card Terms and Conditions for full details.

2. 0% interest rate on purchases for the first 6 months will only be available provided the minimum payment is received by the due date. There is no interest free grace period on Balance Transfers or Cash Advances.

3. The additional 2% from the Costco Executive Membership Programme does not apply to purchases of tobacco, infant milk and stamps. The Executive Reward is provided by Costco and will be awarded separately to your TrueEarnings cashback rewards and cannot be redeemed online. For further information on the Costco Executive Membership Programme, please speak with the membership desk. Please note that you are not required to upgrade to Executive Membership to apply for a TrueEarnings Card.

4. Cashback rewards will be payable annually in the month following your Credit Card anniversary. 3% is earned on every full £1 spent and charged on all eligible restaurant dining purchases (no maximum). 2% is earned on every full £1 spent and charged on eligible travel purchases (no maximum). Unless stated above as being eligible, purchases will earn 1% cashback rewards on every full £1 spent and charged per purchase (maximum £300 cashback rewards every 12 months), subject to exclusions. Cashback rewards are not earned on Balance Transfers, Cash Advances, American Express Travellers’ Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.

5. Your TrueEarnings Card acts as your Costco membership card, by allowing you access to Costco warehouses. You are still required to pay your annual Costco membership fee.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. For more information please visit or visit the membership desk. The Costco TrueEarnings American Express Credit Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales, Company Number 1833139, and authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. Details can be found on the FCA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.

The Costco TrueEarnings Card


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