Navigation:Stariot New>Credit Cards>Detail

Which Credit Cards Work at Costco?

Summary:Learn which credit cards you can use at Costco and how to choose the best one for your needs. Discover the top rewards cards and tips for saving money.

Which Credit Cards Work at Costco?

Costco is a popular wholesale retailer that requires a membership to shop. It is known for offering great deals on a wide range of products, including groceries, electronics, and household items. However, Costco only accepts certain credit cards, which can be a bit confusing for shoppers. In this article, we will explore which credit cards work at Costco and provide some tips for choosing the right card for your needs.

Accepted Credit Cards at Costco

Costco currently accepts Visa credit cards, including Costco's own branded Visa card, as well as debit cards, cash, checks, EBT cards, Costco Shop Cards, and mobile payments like Apple Pay, Google Wallet, and Samsung Pay. In the past, Costco only accepted American Express credit cards, but that changed in 2016 when it switched to Visa.

Choosing the Right Credit Card for Costco

If you're looking to earn rewards on your Costco purchases, you should consider getting a credit card that offers cashback or points for spending at wholesale clubs. The Costco Anywhere Visa Card by Citi is a popular choice, as it offers 4% cashback on eligible gas purchases (up to $7,000 per year), 3% cashback on dining and travel, 2% cashback on Costco purchases, and 1% cashback on all other purchases. Plus, there's no annual fee with your paid Costco membership.

Another option is the Chase Freedom Flex card, which offers 5% cashback on up to $1,500 in rotating categories each quarter, including wholesale clubs like Costco. Plus, it offers 5% cashback on travel purchased through Chase Ultimate Rewards, 3% cashback on dining and drugstore purchases, and 1% cashback on all other purchases. There's no annual fee for this card either.

If you're a frequent traveler, you may want to consider the American Express Gold Card, which offers 4x Membership Rewards points at U.S. supermarkets (up to $25,000 per year) and at restaurants worldwide, including takeout and delivery. You'll also earn 3x points on flights booked directly with airlines or on Additionally, you'll receive up to $120 in dining credits each year and up to $100 in airline fee credits each year. However, this card comes with a $250 annual fee.

Tips for Applying for a Credit Card

When applying for a credit card, it's important to consider the annual fee and any other fees associated with the card, as well as the interest rate. You should also check your credit score beforehand to see if you're likely to be approved for the card. Applying for too many credit cards at once can also negatively impact your credit score, so it's best to only apply for cards that you're interested in and that fit your needs.

Saving Money with Credit Cards

In addition to earning rewards on your purchases, credit cards can also help you save money. Many cards offer perks like extended warranties, purchase protection, and price protection, which can all help you save money in the long run. Some cards also offer discounts or statement credits for certain purchases, like travel or dining. Additionally, some cards offer 0% APR introductory periods, which can help you save money on interest if you need to make a large purchase.

Avoiding Credit Card Risks

While credit cards can be a valuable tool for earning rewards and saving money, it's important to use them responsibly to avoid falling into debt. Always pay your bill on time and in full to avoid interest charges and late fees. Don't spend more than you can afford to pay back, and try to keep your credit utilization ratio below 30% to maintain a good credit score. If you're struggling with credit card debt, consider seeking help from a financial advisor or credit counseling agency.


In summary, Costco accepts Visa credit cards, including its own branded card, as well as debit cards, cash, checks, EBT cards, Costco Shop Cards, and mobile payments. When choosing a credit card for Costco, consider one that offers cashback or points for spending at wholesale clubs, like the Costco Anywhere Visa Card or the Chase Freedom Flex card. Always consider the fees and interest rate before applying for a card, and use credit cards responsibly to avoid falling into debt.

Disclaimer: the above content belongs to the author's personal point of view, copyright belongs to the original author, does not represent the position of Stariot New! This article is published for information reference only and is not used for any commercial purpose. If there is any infringement or content discrepancy, please contact us to deal with it, thank you for your cooperation!
Link: the Link with Your Friends.
Prev:How to Obtain Florida Health CoverageNext:How to Trade OTC Stocks: A Guide for Investors

Article review