More Points Return By True Earnings Credit Card from Costco and American Express

If you want to get back a percentage of the things you spend for with your credit card, look no further. The True Earning Credit Card lets you enjoy countless perks in terms of getting rewards – and even cashback bonuses.

Things to Like

1. This card allows you to get 3% cash back for every gasoline purchase. However, this is applicable only during the first $3,000 gasoline purchase s in a year. After this time period, you still get to earn a percentage on cash-back, but only at 1%.

2. Earn 2% cashback on purchases from restaurants or travel options. This includes buying airplane tickets, cruise expenses, hotel stays, or car rental.

3. Get 1% cashback on other purchases made, even at Costco.

4. Enjoy a zero introductory APR during the initial six months upon opening an account. Make the most of this benefit, as you will be charged a variable APR thereafter. Currently, this APR is at 15.24%.

5. Once you’ve accumulated points, a reward coupon will be issued to you annually. You can use this coupon for redemption at Costco Warehouses for cash or merchandise.

6. Once great thing about this card is that you can monitor your points at any given time.

7. For even bigger rewards, open an Additional Card member card at no added cost. The more purchases used by this card, the more points you get.

8. Are you the entertainment buff? Use this card to score exclusive access to the best shows, theater, concerts, or sporting events. Plus, you can early tickets – and we’re talking about early as in before the tickets will be even made public.

9. You can enjoy free extended warranty on the items you purchase that typically have less than 5 years of warranty.

10. Accidents can happen. No worries – the True Earnings card provides up to $100,000 insurance in case of accidental death or dismemberment.

Things to Think About

1. If you must redeem you rewards coupon, be sure to do this before August 31st upon the year of issuance. After this, you won’t be able use the coupon as it loses its value.

2. You are required to have a Costco membership, to prevent cancellation of your American Express Card.

These disadvantages can easily be weighed down with the benefits you get. The cash back bonuses prove to be quite substantial. Obviously, it becomes more relevant if you’re the type of person who enjoys eating out, shopping, or traveling. If you’re all these things and more, then the True Earning Card is your perfect companion.


Blue Cash Everyday from American Express: Credit Card Review

When shopping for credit cards, some of the alluring factors are high cash back rewards, and 0% APR. It seems that the Blue Cash Everyday Credit Card from American Express has both. Not only that, they also have some extra perks that make the card even more enticing.

Cash Back Rewards from Blue Cash Everyday

Get as much as 3% cash back when shopping at your favorite supermarket. 2% cash back from gasoline stations, and 1% cash back on all other purchases. The great thing about this is that they have no rotating categories. Meaning, you can get cash back for your regular purchases everyday, all year round.

You can also redeem you cash back rewards whenever your available Reward Dollar balance is 25 or more. You can get cash back or gift cards from a wide variety of restaurants and shops plus other hot items like electronics, fashion, sports equipment, and accessories.

0% APR and No Annual Fee

You can enjoy a 0% APR on the first 12 months of card use. This means that you can charge for purchases while paying them slowly over the year without being charged any interest on the remaining balance. APR after the promotional period will be either 17.24%, 20.24%, and 22.24% depending on credit worthiness. Aside from that, the card also has no annual fee, giving you great savings every year. American Express will also charge no annual fees for additional cards

Additional Perks

Other perks include different advantages in travel, entertainment and shopping categories. The card offers travel accident insurance, car rental loss and damage insurance, and competitive prices on hotels and low fares in travel destinations. As for shopping, items bought with the Blue Cash Everyday Card have a 90 day coverage for theft and accidental damage. Coverage is good for up to $1,000 per occurrence and as much as $50,000 for the whole year per card member. Also, even if the vendor doesn’t accept returns on a purchase you made, American Express can refund your purchase price up to $300 per item. You can also get premier seating for concerts and movies.

Some Fine Print

Their terms and conditions are just the same as usual, but card members must notice that the introductory APR may be lost or canceled upon late payments.

About American Express

American Express is the world’s largest card issuer by purchase volume, and they process millions of transactions everyday. It has earned five JD Power and Associates awards for highest customer satisfaction among credit card companies.

It seems that the Blue Cash Everyday Card from American Express is one card that offers a lot of benefits for the users. One thing to remember however, is the APR after the promotion period is slightly higher than what other cards are offering. Nonetheless, the cash back rewards are also something to reckon with.