Can I Use Any Visa Card at Costco
In that location are certain treasures you tin can only observe at Costco that make the membership price well worth information technology. As well the vast savings on items like organic spinach and pure maple syrup, if you're planning a party or preparing for a vacation meal, you might as well reap the rewards by putting your purchases on a credit carte du jour that earns points.
If y'all've wondered what credit cards are accepted at Costco and how to maximize earning rewards, hither'due south what y'all need to know.
In this article
- What credit cards does Costco accept?
- Best credit cards to use at Costco
- Methodology
- Culling means to pay at Costco
- Frequently asked questions
What credit cards does Costco have?
Costco warehouses and gas stations only accept Visa credit cards, greenbacks, debit cards, and Costco Shop Cards (gift cards). They do non accept Mastercard, American Limited, or Discover cards.
| Credit card type | Accepted at Costco? |
| Visa | Yes |
| Mastercard | No |
| American Express | No |
| Find | No |
History: For 16 years, Costco accepted merely American Limited credit cards due to an exclusive partnership. Merely a few years agone, the retailer made the switch to Citi Visa. The branded cards also switched over at that time, and cardholders received the Costco Anywhere Visa Card.
Fortunately, cardholders enjoyed more perks with this bill of fare than were previously provided with Costco's Amex cards.
These days, non-Visa cards no longer work at Costco, and then yous'll need a Visa bill of fare to pay and earn rewards.
Best credit cards to use at Costco
Hither are some of the top contenders that tin assist you lot earn generous rewards on Costco purchases:
Chase Sapphire Preferred
- Rewards: Earn 5X points on Lyft rides (through March 2022) and travel booked through Chase Ultimate Rewards; 3X points on eligible dining, select streaming services, and online grocery purchases; 2X points on travel; and 1X points per $one on all other eligible purchases (including Costco purchases)
- Sign-up Bonus: Earn lx,000 points after spending $4,000 on purchases in the first iii months
- Annual Fee: $95
The Chase Sapphire Preferred has an impressive welcome bonus that gets you $750 toward travel if you lot redeem your points through Chase Ultimate Rewards. The generous bonus points on travel and dining make this card a great choice if you enjoy traveling and could take reward of the extra perks, such as no foreign transaction fees.
Since you'll need to spend a fair amount within the offset few months of having the carte du jour to earn the bonus, you may want to funnel all your Costco purchases (and other purchases, specially Lyft, travel, and dining purchases) onto your new card to assist you lot get there faster.
That said, yous could potentially earn more points by using a menu with higher cashback value, like the Chase Freedom Unlimited, and and so moving the points to your Chase Sapphire Preferred Card. Then, in one case you've racked upwards enough points, yous tin redeem them for travel or other rewards instead of cash back, since your points could stretch further that way.
Capital One Venture X
- Rewards: Earn 10X miles per dollar on hotels and automobile rentals booked through Capital letter 1 Travel, 5X miles on flights booked through Capital One Travel, and 2X miles per dollar spent on everything else
- Sign-upwardly Bonus: Earn 100,000 bonus miles afterwards spending $ten,000 on purchases in the first 6 months (plus, earn up to $200 in statement credit for vacation rentals like Airbnb and Vrbo in the outset year)
- Almanac Fee: $395
The Capital One Venture 10 offers a generous early spend bonus after qualifying for the menu. The miles earned from this bonus tin be used in the Capital I travel portal for flights, hotel stays, and more. Or y'all can transfer them to over a dozen travel partners.
To help fulfill the requirements of the welcome offer, it might brand sense to start using your Venture X for all eligible purchases (including at Costco) once you receive it. This card has no bonus categories, which ways you'll earn the same 2X rate on all your spending.
For rewards credit cards, this is i of the highest rates out at that place. This equates to beingness able to earn a large number of rewards at all times without any specific categories to worry about. Non many premium travel cards offer this same type of convenience.
Chase Liberty Unlimited
- Rewards: 5% on travel purchased through Hunt Ultimate Rewards, three% on dining and drugstore purchases, and ane.five% on all other purchases.
- Sign-up Bonus: Earn an boosted ane.five% cash dorsum on all purchases (on upwardly to $20,000 spent in the first twelvemonth)
- Annual Fee: $0
If you're looking to rack up your cashback with one of the best rewards credit cards, the Chase Liberty Unlimited Card can be a swell way to earn upwards to 5% cash back. Too, the opportunity to earn an additional i.v% greenbacks back on all purchases (on up to $20,000 spent in the first year) is an added bonus, especially since this card has no almanac fee.
This is a great card to utilise for Costco purchases, and the savings y'all'll receive at the wholesale guild are a great way to maximize the value of your membership.
Costco Anywhere Visa Bill of fare
- Rewards: Earn 4% greenbacks back on eligible gas purchases (up to $seven,000), 3% on eating place and travel purchases, 2% on all other Costco purchases, and 1% on everything else.
- Sign-upward Bonus: None
- Annual Fee: $0 with your paid Costco membership
While there'southward no sign-up bonus on the Costco Anywhere Visa Bill of fare, the 3% back on eligible restaurant and travel purchases and 4% dorsum for eligible gas purchases (on up to $vii,000 per year) are impressive benefits for a card with no almanac fee.
Y'all'll also earn the best cashback rewards for Costco purchases of whatever of the cards on our list. However, in terms of a rewards menu, you lot may go more value from one of the all-time greenbacks dorsum credit cards, like the Chase Freedom Unlimited - particularly when paired with a Hunt premium card such as the Chase Sapphire Preferred.
If you don't have a Hunt premium bill of fare, this menu can be an first-class pick for your Costco purchases. Accept reward of member savings on big-ticket items similar piece of furniture and appliances, since the more you spend with your card, the more you'll earn. You should too make a point of purchasing your gas from Costco in order to maximize the rewards.
Methodology
When selecting the best credit cards to use at Costco, we outset began by identifying which cards this big box store accepts. We and so analyzed credit card terms, including bonus rewards offered for Costco purchases as well as annual fees, cardholder perks, and spending bonuses for new cardmembers. Our goal was to find affordable cards that offered both ample perks for cardholders too as extra rewards for those who tend to spend a lot at Costco stores.
Alternative ways to pay at Costco
While a Visa credit bill of fare is the best payment method to use if y'all desire to earn rewards on purchases you would make anyway, there'southward no need to fret if yous go out your card at home or are yet waiting for it to arrive in the mail.
Costco also accepts cash, checks, debit/ATM, EBT, and Costco Shop Cards. Note that you'll demand a valid government-issued ID to pay past bank check.
Another thing to go along in listen is that Costco gas stations and machine washes don't accept cash, checks, or EBT, then you lot'll need to pay with your Visa carte du jour, debit/ATM card, or Costco Shop Menu to consummate a transaction.
Oftentimes asked questions
What debit cards are accepted at Costco?
Costco indicates that it accepts most PIN-based debit cards, so you shouldn't have a trouble using your card as long equally y'all know your personal identification number (Pivot). If you want to employ your debit card equally credit in shop, yous will first need to cheque that your card has a Visa logo on information technology and and then yous will know this is possible.
Does Costco have the Apple card?
The Apple tree Card is on the MasterCard network and is not accepted at Costco stores. You could, however, load your Apple Card into your Apple Pay account and pay for your Costco purchases that way.
Can I utilize Samsung Pay at Costco?
You can use Samsung Pay at Costco, as well as Apple Pay and Google Pay.
What credit cards does Costco accept online?
When shopping online with Costco, y'all volition take more payment options than when you are shopping in the store. Costco online accepts all Visa Cards, MasterCard, Find Cards, Costco Shop cards, the majority of Pivot-based debit or ATM cards, and Visa checkout.
One of the best cards for online shopping is the Citi Double Cash Card where you tin earn upwards to 2% cash back on all purchases: 1% every bit y'all buy and one% as you pay. Other cards you can use online at Costco.com include the Hunt Freedom Flex and Upper-case letter One Quicksilver.
Does Costco accept credit cards?
Yes, Costco warehouses and gas stations accept Visa credit cards. They do non take Mastercard, American Limited, or Find cards.
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Source: https://financebuzz.com/what-credit-cards-does-costco-accept
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