Which is better?
Do you have a Costco membership? I like the Costco because it looks cooler :-P
I do have a Costco membership. In fact, they just talked me into upgrading it the other day to "executive"....oooh! (We'll see if I keep it.)
Funny, I actually like the look of the BCE better but, looks are only skin (or plastic) deep. Which is a "better" card and why?
Which is better depends on your situation.
If you have a Costco membership, then you don't need to worry about the True Earnings Card's AF, so that's a bonus.
In order to determine which is best, we'd need to know how much money you figure you spend at Costco, how much you spend at grocery stores, and how much you spend on gas.
The Costco True Earnings card will be worth more if you do most of your shopping at Costco and also get most of your gas there. If you go to other stores more often, the BCE may be best.
Also I believe your TrueEarnings "cash back" is a check cut to you for use at Costco whereas the BCE is Reward Dollars that can be redeemed as statement credit.
TE is 3% on Costco and standalone gas up to $4000 annually / BCE is 2%
BCE is 3% on groceries up to $6000 annually / TE is standard 1%
BCP is 6% on groceries...
And from what I hear the BCE/BCP/Blue cards are all pretty elementary looking. I'm weird like that, I like the look of my cards as much as I do their rewards and credit limits