In article , LouB wrote:

If you are a Costco member you can get a FREE Amex card.
And the executive card only costs $50 more and is guaranteed to pay for
itself.

$50 is 2% of $2500. For those of us who don't even come remotely close
to spending $2500/yr. at Costco, the "guarantee" amounts to an
interest-free loan from consumer to corporation.