Costco has a strict policy about which credit cards it accepts. Only Visa credit cards are allowed in U.S. stores and gas stations. This is because of a special deal with Visa that helps Costco pay less merchant fees.
But if you’re shopping on Costco or using the Costco app, you can also use Mastercard and Discover credit cards. American Express cards, however, are not accepted.
In this article:
Why Is It Important to Know Which Credit Cards Costco Accepts?
Knowing which credit cards Costco accepts is vital to ensure a smooth checkout process.
Costco warehouses and US and Puerto Rico gas stations accept Visa credit cards. This includes cards issued by various banks and credit unions.
Unfortunately, for in-store purchases, MasterCard credit cards are not accepted. However, you can use them for online transactions at Costco.
Costco currently does not accept American Express credit cards either in-store or online.
While Discover cards aren’t accepted at physical Costco locations, you can use them for online purchases.
Understanding which credit cards are accepted at Costco is crucial for a smooth shopping experience. Using an accepted card ensures you can take full advantage of Costco’s offerings without the hassle of being turned away at checkout.
Using a Visa card at Costco not only allows for seamless transactions but can also enable you to earn rewards, cashback, and other benefits depending on your card’s program. This can lead to significant savings, especially when making large or frequent purchases.
Does Costco Accept Visa Credit Cards?
Costco accepts only Visa credit cards at its physical stores and gas stations. This includes cards from Citi, Chase, or any other issuer with a Visa logo.
When you use a Visa credit card at Costco, you get several benefits. You can earn rewards like cashback or points, which you can use for different perks. Visa cards also often include travel and purchase protections, adding extra value to your buys.
If you shop at Costco, some Visa cards are especially good. The Chase Freedom Unlimited card gives you 1.5% cashback on everything you buy.
The Wells Fargo Active Cash® Card offers 2% cashback on all your purchases. For Costco members, the Costco Anywhere Visa® Card by Citi is great.
It gives you 2% cashback on Costco buys, 4% on eligible gas, 3% on dining and travel, and 1% on other purchases.
Does Costco Accept MasterCard Credit Cards?
Costco does not accept MasterCard credit cards at its warehouses and gas stations. You can only use them for online purchases on Costco.com and through the Costco app.
Why MasterCard Is Not Accepted at Costco Warehouses?
Costco has an exclusive agreement with Visa, which is why they do not accept MasterCard credit cards at their physical locations. This arrangement helps Costco save on transaction fees.
What are the Alternative Ways to Use MasterCard at Costco?
You can still shop with your MasterCard at Costco by making online purchases through Costco.com or the Costco app.
Another great option is to buy Costco Cash Cards online using your MasterCard. You can then use these Cash Cards for your in-store purchases.
Does Costco Accept American Express Credit Cards?
Costco once had an exclusive partnership with American Express that lasted until 2016. After that, Costco decided to switch to Visa.
Now, you can’t use American Express credit cards at Costco’s warehouses, gas stations, or online.
What are the Alternatives for American Express Users
If you have an American Express card, don’t worry! You can still use it to buy things online from stores that accept Amex.
Then, you can use those rewards to get Costco Cash Cards. Or, you can use other payment methods that Costco accepts.
Does Costco Accept Discover Credit Cards?
Costco warehouses and gas stations don’t accept Discover credit cards. You can, however, use them for online purchases on Costco’s website and through the Costco app.
How to Use Discover Cards for Online Purchases at Costco?
When you shop online at Costco, you can use your Discover card to make purchases.
This is great for those who like to use their Discover card. It’s a simple and convenient way to buy what you need.
Are There Specific Costco Credit Cards?
Costco offers its co-branded credit card, the Costco Anywhere Visa® Card by Citi. This card is great for members because it helps you earn more rewards.
What are the benefits of the Costco Anywhere Visa® Card by Citi?
This card gives you a lot of rewards. You get 4% cash back on eligible gas and EV charging for the first $7,000 each year.
You also earn 3% back on restaurants and travel, 2% on all your Costco purchases, and 1% on everything else. Best of all, there’s no extra annual fee; you just pay your Costco membership.
How to apply for the Costco Anywhere Visa® Card by Citi?
It’s easy to sign up! You can apply on Citi’s website or at any Costco store. Just remember, your approval depends on your credit score and other things Citi checks.
Can You Use Debit Cards at Costco?
Costco accepts PIN-based debit cards from any bank. These cards must connect to either Visa or Mastercard networks.
Using a debit card at Costco is simple and comes with no extra fees. It’s a handy choice if you’d rather not use credit.
Debit cards offer an easy way to pay and help you avoid building up credit card debt. They also give you direct access to your checking account funds.
At Costco, you can use any PIN-based debit card, as long as it links to Visa or Mastercard. This makes shopping straightforward and stress-free.
Can You Use Apple Pay at Costco?
Yes, you can use Apple Pay at Costco warehouses, gas stations, and online.
How to Use Apple Pay at Costco
Hold your iPhone or Apple Watch close to the payment terminal. Then, use Face ID, Touch ID, or your passcode to approve the purchase.
Benefits of Using Apple Pay for Costco Purchases
Apple Pay makes paying fast and safe. You don’t need to bring your physical cards with you.
Can You Use Google Pay at Costco?
Yes, you can use Google Pay at Costco, both in their stores and online.
How to Use Google Pay at Costco?
Just hold your phone near the payment terminal and follow the on-screen prompts to pay with Google Pay.
What are the Advantages of Google Pay at Costco?
Google Pay makes paying easy and quick. It’s a contactless method that keeps your transactions secure.
Can You Use Samsung Pay at Costco?
Yes, Costco accepts Samsung Pay at their warehouses and gas stations.
How to Use Samsung Pay at Costco?
Open your Samsung Pay app, choose your card, and hold your phone close to the terminal to pay.
What are the Benefits of Using Samsung Pay for Your Purchases?
Samsung Pay is handy and secure, letting you carry fewer cards and enjoy peace of mind.
Does Costco Accept EBT or SNAP Cards?
Yes, Costco accepts EBT and SNAP cards for eligible food purchases.
How to use EBT/SNAP cards at Costco: Just swipe your EBT card at checkout like a regular debit card. The cashier will check your benefits and take the purchase amount off your food funds.
Overview of EBT/SNAP acceptance at Costco: Costco takes SNAP benefits for approved food items, but not everything qualifies. It’s wise to check with your local SNAP program or Costco to know exactly what you can’t buy.
What you can purchase with EBT/SNAP at Costco: You can buy most food items like fruits, veggies, dairy, meat, poultry, and fish.
But remember, you can’t use SNAP benefits for prepared foods, household items, or non-food products.
Are There Any Restrictions or Conditions on Using Credit Cards at Costco?
Costco accepts most Visa credit cards. Here’s what you need to know:
Some Costco locations might require a minimum purchase amount for credit card transactions. It’s a good idea to check with your local store for details.
If you use a non-US-issued Visa card, you might have to pay foreign transaction fees. This happens if your credit card issuer charges these fees.
Are There Any Fees Associated with Using Credit Cards at Costco?
Shopping at Costco with a credit card usually doesn’t add extra fees. However, your credit card might have some fees linked to it.
Some credit cards charge yearly fees, especially those with great rewards. Also, if you don’t pay off what you owe every month, you’ll face interest charges.
To dodge these fees, always pay your full balance monthly. Pick a card that doesn’t have a yearly fee. And if you’re shopping abroad, use a card that doesn’t charge foreign transaction fees.
What Are the Benefits of Using Costco’s Accepted Credit Cards?
Cashback and Rewards Programs
The Costco Anywhere Visa® Card by Citi offers attractive cashback rewards. You earn cash back on Costco purchases, at gas stations, and when you travel. Many other Visa cards also give cashback or points on purchases. This can save you a lot of money over time.
Additional Perks and Protections
Visa credit cards come with extra benefits. They often include travel insurance, purchase security, and extended warranties on items you buy. These features add great value to your shopping and can give you peace of mind.
How to Make the Most Out of Your Credit Card at Costco?
Use a rewards card like the Costco Anywhere Visa® Card by Citi. It offers high cashback rates on gas, travel, dining, and Costco purchases.
Understand your card’s rewards program well. Identify categories like groceries or dining where you can earn bonus rewards.
Always use this card for your Costco buys to get the most out of your spending.
Best Practices for Earning Rewards
Pay your balance in full each month to dodge interest charges. Always use your rewards card for all eligible purchases.
This maximizes your points or cashback. Keep an eye on bonus rewards and promotions, especially in categories like groceries or warehouse clubs, including Costco.
How to Track and Redeem Rewards?
Monitor your rewards balance through your card issuer’s website or app.
Redeem your rewards as the issuer advises, which could be for statement credits, cashback, or merchandise.
Most issuers also provide online portals or mobile apps that make tracking and redeeming your points or cashback easy.
What Are the Alternatives If Your Preferred Credit Card Is Not Accepted?
Costco accepts personal and business checks, cash, and traveler’s checks for in-store purchases. If you prefer using checks, keep in mind that additional verification procedures may be needed.
Exploring Store Gift Cards and Cash Cards
You can use Costco Cash Cards and store gift cards for your shopping. These can be purchased online with any major credit card, even those not accepted in-store.
You can also buy them at most Costco locations. This is a handy option if your preferred credit card isn’t accepted at Costco.
Final Takeaway
Shopping at Costco is easy and rewarding when you understand how to pay. Plan and choose your payment method carefully. This helps you get the most benefits and savings.
It is Worth reading this: Does Costco have Scan and Go Checkout?
