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TrueEarnings Card from Costco and American Express

Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.1
No Annual Fee with your paid Costco Membership.
The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card.
The flexibility to pay charges over time.
No Limit on the Cash Back earned.

Earn true cash back the simple way

TrueEarnings^® Card from Costco and American Express

• Earn 3% cash back for gasoline.
  
• Earn 3% cash back for restaurants.
  
• Earn 2%cash back for travel.
  
• Earn 1%cash back everywhere else, including Costco.
  
• No minimum on how much you have to spend.
  
• No limit on what you can earn with the TrueEarnings Card.
  
• Cash back earnings accumulates over the course of the year and the total is issued to you in your February billing statement.
  

• Pay over time or pay in full.
  
• Grace Period for purchases is up to 20 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
  
  

• 0.00% Intro APR for 3 months on purchases made with the Card.
  
• For Balance transfers, APR is 1.99% for 6 months when you transfer a balance during the first 30 days of Cardmembership.
  

DID YOU KNOW?

	Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness? The acronym FICO actually stands for Fair Isaac Company, which was the company that originally created a mathematical model for the credit reporting company Experian. FICO was designed as a tool that could be used by creditors to evaluate the potential risks involved in lending money to consumers. In reality, there are other similar models that have been developed by other credit bureaus, but all of their results are referred to by the industry as FICO scores. FICO scores are calculated by examining the answers to a number questions, based on the information in your credit and on your income-to-debt ratio. The answers to each question carry a certain number of points, and when all the answers are added up, that number represents your FICO score. Your FICO score will depend upon such things as how long you've lived at your current address, what your job is, your income-to-debt ratio, how often you've been late on payments, how much debt you currently have, the amount of credit you're using already, and the length of time you've had your credit established. The most heavily weighted factors in determining your FICO score will be the current balances on your credit cards, having either too few or too many revolving accounts, the number of accounts you have that carry balances, how many accounts you've opened over the past twelve months, the length of time you've had your accounts, your past due accounts, and the number of credit inquiries that have been made in your behalf. A good FICO score would be at least 650. If your score is 620 or less, you'll be considered a risky candidate for a loan or credit card by potential creditors. A score between 620 and 650 will put you into a "possible" category, which means that you may need to provide more information to the lender before you'll be approved for credit. A FICO score of more than 650 will put you into the "go-ahead" category, since it will show potential lenders that you've been a good credit risk in the past. The higher your FICO number, the better, of course, since you will begin to get better interest rates on loans the closer your FICO number gets to 850. It may not be a well-known number, but your FICO score can be important to your financial well-being. Copyright © Jeanette J. Fisher

Perhaps you are in the market for a new vehicle. Many consumers are always looking for a reliable car in order to get to work or just get around in the city. There are a few options that you can look at when thinking about purchasing a new or used car. First of all the benefits of a new car include often a good warranty, no previous owner, you can get all the bells and whistles in the car. However you are also paying top price for a new vehicle.

The benefits associated with a used car include often it is bought at a much better price than new. The depreciation has already occurred and just as reliable as any other vehicle. New car financing is advantageous depending if you are going to lease or keep your vehicle. Leasing a car or truck, rather than buying it, can be a good option for some people. If you lease, your monthly payments will be smaller than if you financed the purchase of the vehicle. But leasing requires some important contractual obligations, so it isn't right for everyone. It is wise to check with your accountant what option is most favorable for you.

People with bad credit pay higher auto loan interest rates. Do not apply for a new car loan until you get your credit report WITH credit score, that way you can determine what sort of credit risk that you are. Usually low APR rates like 0% or 1.9% are offered to few people with perfect credit, on new car loans typically 12 to 36 months. You either get the low car loan APR or rebate, not both. Calculate which is cheaper. It may be better to take a large rebate over the 0% APR new car financing. Compare to online auto loan rates. Pay off your auto loan early, saving on interest. Applying the rebate and using your own low-interest financing often gets you greater savings.