For what it's worth, the Costco Amex is a charge card, not a credit card, so you have to pay it off every month and it has no annual or other fees, but I totall

For what it's worth, the Costco Amex is a charge card, not a credit card, so you have to pay it off every month and it has no annual or other fees, but I totally understand how it can be hard for some people to manage the cash flow.