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In-N-Out Burger now takes Amex, but Costco may drop it

by on Fri November 7, 2014 • 4 Comments


In-N-Out Burger, a chain set in its ways to the delight of its loyal West Coast fans, just decided to budge on one tradition.

Not accepting American Express cards.

Now, readers on MyFICO are reporting that yes, American Express cards are now accepted at In-N-Out locations.

A new choice for Amex is always good news for earning points.

Unfortunately, American Express is stingy with bonuses on dining spending with its cards, so it’s tough to double your points with your Double Double order.

You could go with the Blue Sky Preferred, which earns 2x points on all U.S. restaurant spending along with hotel rooms and car rentals. You can use the points as statement credit for travel purchases, with every point worth 1.33 cents each, so 7,500 points = $100 in travel value. It has a $75 annual fee.

The Mercedes Benz Credit Card offers 2x on dining along with 3x on gas purchases, though with a $95 annual fee, but it earns real Membership Rewards points you can transfer to several airlines, including Delta SkyMiles.

Or you could go with a different bank, and the Wells Fargo Propel 365, which is an American Express network card (offer is no longer available). It earns 2x on restaurants and carries a $45 annual fee, but its rewards are lackluster and worth just 1 cent each, so this is a hard one to justify even with the dining bonus with so many other options available.

But the better play may be to work your In-N-Out trips into your ‘Everyday’ spending for the Amex EveryDay Preferred and Amex EveryDay cards.

They earn real, fully transferable Membership Rewards points.

And you get a 50% bonus on the points you earn each month with the EveryDay Preferred as long as you use the card for 30 purchases of any size each month.

So you’re really earning about 1.5 points per dollar on your In-N-Out spend, but more important, you’re not sacrificing high bonus spend in other places to meet the 30 purchase requirement for the card.

Which you might need given other news…

Bloomberg is reporting that Costco has put its credit card relationship up for play. And it could be going the opposite direction of In-N-Out.

For years only American Express cards were allowed for Costco purchases. But after deciding to drop American Express for Capital One Visa cards in Canada, they are putting their U.S. business up for review.

So it’s possible American Express cards will lose their Costco affiliation and you’ll have to dig elsewhere in your wallet to earn points on purchases at Costco.

Competitor BJ’s accepts all cards, while Sam’s Club accepts Discover and MasterCard.

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4 thoughts on In-N-Out Burger now takes Amex, but Costco may drop it

  1. William

    I imagine if Costco stops accepting AmEx, then somebody else will be in charged of the co-branded TrueEarnings card as well. I think it’s just posturing to get a better rate personally.

  2. lizzy

    American Express takes away their employee’s CIVIL RIGHT to sue, with employee FORCED ARBITRATION. I will not eat at in and out burger anymore and if Costco drops amex, I will become a member …. will not support any company that takes American’s Civil Rights away through EMPLOYEE FORCED ARBITRATION.


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