What Credit Cards Does Costco Accept?

Do you want to know what credit cards does Costco accept? We’ve got the scoop on which cards you can use to finance your next big purchase at the warehouse club.

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Costco’s Credit Card Policy

Costco only accept Visa credit cards. This means that if you have a Mastercard, Discover, or American Express, you will not be able to use it at Costco. Costco also does not accept debit cards, personal checks, or any other form of payment.

What types of credit cards does Costco accept?

Costco only accepts Visa credit cards. Debit cards, such as Visa Debit, Electron and Maestro, are not accepted. Cash and check are the only forms of payment accepted at Costco gas stations.

The following types of Visa credit cards are accepted at Costco warehouses in the United States:
-Visa Credit Cards
-Visa Business Credit Cards
-Visa Signature Credit Cards
-Visa Infinite Credit Cards

What is the minimum credit score needed for a Costco credit card?

The Costco Anywhere Visa® Card by Citi requires good credit for approval. According to Experian, good credit is a FICO® Score of 690-719. A score in this range indicates you have good credit and are generally approved for most mainstream credit products, though you may pay a higher interest rate.

What are the benefits of having a Costco credit card?

The biggest benefit of having a Costco credit card is that you can earn cash back on your purchases. With the Costco Anywhere Visa® Card by Citi, you’ll earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter. You’ll also earn 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com, and 1% back on everything else. There’s no annual fee with this card.

The Best Credit Cards for Costco

If you’re a Costco shopper, you’re probably wondering what credit cards does Costco accept? Costco only accepts Visa credit cards. So, if you have a Visa credit card, you’re in luck. But which Visa credit card is the best to use at Costco?

The Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is one of the best credit cards for Costco. It offers 4% cash back on gas (on up to $7,000 per year), 3% cash back on travel and restaurants, 2% cash back on all other purchases from Costco, and 1% cash back on all other purchases. This card also comes with an annual $60 Costco Shop Card.

The Costco Cash Rewards Visa® Card

The Costco Cash Rewards Visa® Card is one of the best credit cards for Costco shoppers. It offers a generous cash back rewards program, as well as a 0% APR on purchases and balance transfers for the first 12 months. Plus, there is no annual fee for this card.

The Costco Business Credit Card

The Costco Business Credit Card is the best credit card for Costco if you are a business owner who shops at Costco frequently. This card offers 4% cash back on eligible gas purchases (on up to $7,000 per year, then 1% thereafter), 3% cash back on eligible travel and dining purchases, and 1% cash back on all other purchases. There is no annual fee for this card, but you must have a Costco membership to apply.

Other Ways to Shop at Costco

While Costco only accepts Visa credit cards, there are still plenty of ways to shop at Costco without a Visa. Costco also accepts cash, checks, EBT, and most debit cards. You can also shop online at Costco.com without a membership.

Use a Debit Card

In addition to cash and checks, you can use a debit card to shop at Costco. When using a debit card, you’ll need to enter your personal identification number (PIN) at the checkout.

If you’re a member of Costco’s executive membership program, you can also use your Costco Cash Card (which is like a debit card) to shop at Costco.

Use a Gift Card

Assuming you have a Costco membership, you can use a Costco Cash Card to shop at any Costco location or on Costco.com. These cards can be used as payment for membership fees or purchases made at the warehouse or online. You can load them with any dollar amount from $25 to $1,000, and they never expire.