American Express Costco TrueEarnings Credit Card

After being disappointed by the measly $300 credit limit of the Chase +1 credit card, I was motivated to find a better one!

I wanted a credit card that benefited me when using it and had the potential to increase to higher limits. My research showed me that American Express offer the best customer service and usually did not require a hard pull to increase credit limits. In addition, almost all American Express cards have nice perks whether its miles, cash back, or points. What more not to love?

Even though I just opened a new account, I had to seize this opportunity immediately even if it will hurt my credit score. The next time I went to Costco with my parents, I opened a joint account with my Dad. We were immediately approved!

At age 19 and already owning an American Express credit card feels better cool considering it is pretty exclusive in my group of friends. Yay for bragging rights!

Details
Bank: American Express
Type: Costco TrueEarnings
Credit limit: $2,000
APR: 0% for 6 months; 15.24% thereafter
Annual fee: none as long as you're a Costco member
Benefits:
   •   3% cash back on gas and restaurants (up to $3,000 per year, then 1%)
   •   2% cash back on travel, hotel, and car rentals
   •   1% cash back on any other purchases