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Which credit cards does Costco accept?

This warehouse club accepts only one credit card network: Visa.


Fact checked
It’s easy to rack up big bills at Costco. For that reason, the wholesale club seems like the perfect place to use a credit card.
You might be surprised to learn, then, that Costco only accepts Visa.

Credit cards accepted at Costco

Credit card typeAccepted at Costco
American Express

Why is Visa the only credit card Costco accepts?

The answer to this question comes down to one word: fees.

Whenever you swipe your card at a store, the merchant pays interchange fees to the respective payment network — Visa, Mastercard, American Express, etc. Typically, this fee is 2% to 3%.

A few years ago, Costco only accepted credit cards from American Express. Costco had a deal where its interchange fee would be 0.6% per transaction — far lower than the typical fee.

Eventually, that deal ended when Costco asked for a lower interchange fee, and Amex couldn’t accept. Costco soon struck a deal with Visa for a 0.4% interchange fee.

In the end, Costco’s Visa-exclusive policy is about cost savings. By working exclusively with one payment network, the company can negotiate lower fees and pass on the savings to Costco shoppers.

Best credit cards to use at Costco

While your Costco credit card payment options are limited, you can still find strong options. One of them is the Visa from Costco, which the warehouse club distributes through Citi.

Chase Freedom® credit card

Chase Freedom®
This is a rotating-bonus-category card. Wait for the quarter when you can earn 5% cash back on wholesale-club spending, then stock up on Costco purchases.

  • Get 5% cash back on up to $1,500 in combined purchases each quarter in rotating categories that you activate. Earn unlimited 1% cash back on unactivated categories after you reach the spending limit and on all other purchases.
  • Earn a $200 bonus after you spend $500 on purchases in the first 3 months of card membership.
  • No annual fee.

Chase Freedom Unlimited® credit card

Chase Freedom Unlimited®
If you’d rather not keep track of rotating categories, consider this card. You’ll receive solid cashback on all purchases.

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn a $200 signup bonus after you make $500 in purchases on your card within the first 3 months of account opening.
  • No annual fee.

Costco Anywhere Visa® Card by Citi

The information about Costco Anywhere Visa® Card by Citi has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Costco Anywhere Visa® Card by Citi
This Visa from Costco — the warehouse club’s flagship card — offers solid rewards on more than just Costco purchases.

  • Get 4% cash back on eligible gas purchases worldwide — including at Costco — for the first $7,000 per year, then 1%.
  • Earn unlimited 3% cash back on restaurant and eligible travel purchases worldwide, 2% cash back on Costco and purchases and 1% cash back on everything else.
  • No annual fee with paid Costco membership.

Alliant Cashback Visa® Signature Credit Card

Alliant Cashback Visa® Signature Credit Card
Consider this card if you’re a big Costco shopper and make a lot of everyday purchases. The flat-rate cash back comes at a great rate, but you want to earn enough rewards to make the annual fee worth it.

  • Get 2.5% cash back on all purchases for your first card year.
  • Earn 2.5% cash back on all purchases starting your second card year.
  • $99 annual fee waived for the first year.

U.S. Bank Altitude Reserve Visa Infinite® CardU.S. Bank Altitude Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite® Card
This card has a hefty annual fee. But it’s a great choice at Costco, which accepts mobile-wallet payments. You’ll also receive an impressive annual statement credit for travel purchases.

  • Earn 3x points on travel purchases and mobile wallet spending, and 1x points on all other purchases.
  • Get up to $325 in annual statement credit for eligible travel purchases.
  • $400 annual fee.

How we chose our best cards

We looked for products that offered strong rewards for Costco credit card payments, and that fit with the warehouse club’s Visa-only policy.

What’s changed in 2019

For several months, the Chase Freedom Unlimited® credit card offered accelerated cash back for the first card year. In October 2019, Chase reverted the welcome offer to a more traditional bonus after you spend a certain amount on your card.

Our pick for use at Costco

Chase Sapphire Preferred® Card

  • Spend $4,000 within your first 3 months of card membership to earn 60,000 bonus points — worth $750 when redeemed for travel via Chase Ultimate Rewards.
  • Earn 5x points on Lyft rides, 2x points on travel and dining at restaurants worldwide and 1x point on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel.
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See Rates & Fees

Compare cards accepted at Costco

Name Product Filter values Rewards Purchase APR Annual fee
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
This popular travel card's signup bonus is worth up to $750. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
OpenSky® Secured Visa® Credit Card
17.39% variable
Apply for this card with no credit check if you're new to credit or have bad credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.

Compare up to 4 providers

Costco credit card payment options

As a Costco shopper, you can use multiple payment methods. These include:

  • Visa credit cards
  • Cash
  • Checks
  • Debit and ATM cards
  • EBT cards
  • Costco Cash Cards
  • Apple Pay, Samsung Pay and Google Pay

Bottom line

If you want to use a credit card at Costco, you’ll need to bring a Visa. That doesn’t snuff out your options, however, as there are several strong cards you can pick for Costco purchases. To compare more options, check out other Visa cards.

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