Many individuals love Costco due to its huge number of merchandise (and the free pattern stations you’ll be able to decide from when you store!) Nevertheless, some do not just like the retailer’s restrictions on fee choices.
For many purchases, Costco solely accepts Visa bank cards — which means you’ll be able to’t use a Mastercard or Amex to pay. An exception to this rule is Costco.com purchases, which permit for Mastercard for use.
Let’s evaluation which Visa playing cards are probably the most rewarding ones to make use of the subsequent time you try at Costco.
Costco Wherever Visa Card by Citi
Annual charge: $0 (with paid Costco membership)
Welcome bonus: None
The primary decide is the obvious one, the cobranded Costco Wherever Visa® Card by Citi (see charges and costs). This card earns money again on the following charges:
- 5% money again on fuel bought at Costco warehouse areas worldwide and 4% money again on different eligible fuel and EV charging purchases (on the primary $7,000 in mixed purchases per 12 months after which 1% money again thereafter)
- 3% money again on restaurant and eligible journey purchases worldwide
- 2% money again on all different purchases from Costco and Costco.com
- 1% money again on all different purchases
The candy spot for this card is fuel purchases, though observe the cap of $7,000 applies to fuel purchases made at each Costco warehouses and different fuel distributors.
Sadly, the cardboard does not provide a welcome bonus, however as a result of it does not cost an annual charge (with a paid Costco membership), you’ll be able to rack up money rewards with no out-of-pocket price.
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The money again earned on the cardboard is redeemed yearly as a reward certificates that comes after your February billing assertion closes. After getting the reward certificates, you’ll be able to redeem it for merchandise or money.
Learn our full evaluation of the Costco Wherever Visa Card
Apply right here: Costo Wherever Visa Card
Chase Freedom Limitless
Annual charge: $0
Welcome bonus: Earn a further 1.5% money again on all the pieces bought (on as much as $20,000 spent within the first 12 months) – price as much as $300 money again.
Since most playing cards do not provide bonus classes particular to warehouse golf equipment like Costco, your greatest guess is usually to make use of a card that provides a powerful return on on a regular basis spending. Amongst all of the Visa playing cards, none is healthier on this class than the Chase Freedom Limitless®. This no-annual-fee card gives 1.5% money again on purchases with no cap.
In case you additionally maintain a premium Final Rewards-earning card such because the Chase Sapphire Most popular® Card, Chase Sapphire Reserve® or the Ink Enterprise Most popular® Credit score Card, you’ll be able to redeem money again rewards as Final Rewards factors, successfully rising your return on all purchases from 1.5% to three%.
This might undoubtedly be price contemplating, particularly if you happen to’re curious about redeeming for awards relatively than solely receiving straight money again. With this card (offered you even have one other Final Rewards-earning card in your pockets), you may have the choice to switch rewards to a wide range of journey companions.
Learn our full evaluation of the Chase Freedom Limitless
Apply right here: Chase Freedom Limitless
Chase Freedom
Annual charge: $0
Welcome bonus: None
Though this card is now not open to new candidates, it is generally confused with the Freedom Limitless or Chase Freedom Flex®. The place the Chase Freedom® differs from different playing cards in the identical household is its incomes construction — in any other case, it has the identical welcome bonus, redemption choices and no annual charge.
With the Chase Freedom, you may earn 5% again in your first $1,500 spent on rotating quarterly bonus classes (activation required), and 1% on all different purchases. Wholesale golf equipment like Costco usually seem on the bonus calendar a minimum of yearly, providing you with the chance to earn as much as 5% again throughout this timeframe.
The data for the Chase Freedom has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Chase Sapphire Most popular Card
Annual charge: $95
Welcome bonus: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.
Attributable to its wholesale costs, Costco is a go-to for a lot of consumers seeking to purchase big-ticket objects similar to TVs and jewellery. In case you plan to make a big buy at this retailer, you would possibly need to think about using this card as a result of its buy safety coverage.
With the Chase Sapphire Most popular, you are lined for theft, harm or “involuntary and unintentional parting” on eligible objects for as much as 120 days after you made the acquisition (charging it to this card, after all). The coverage will substitute, restore or reimburse you for as much as $500 per declare, with a most of $50,000 per account.
Even if you happen to do not want this protection, the Chase Sapphire Most popular Card may very well be price utilizing on Costco purchases because it earns precious Final Rewards factors. Nevertheless, you may solely get 1 level per greenback spent at this retailer.
Learn our full evaluation of the Chase Sapphire Most popular
Apply right here: Chase Sapphire Most popular
Alaska Airways Visa Signature bank card
Annual charge: $95
Welcome bonus: Earn 70,000 bonus miles plus Alaska’s Well-known Companion Fare™ ($99 fare plus taxes and costs from $23) after making $3,000 or extra in purchases inside the first 90 days of account opening.
This decide could also be shocking to some, because it does not provide any bonuses on spending at Costco. Nonetheless, the Alaska Airways Visa Signature® bank card earns strong charges in particular classes together with:
- Limitless 3 miles per greenback spent on eligible Alaska Airways purchases
- Limitless 2 miles per greenback spent on eligible fuel, EV charging station, cable, streaming and native transit purchases
- Limitless 1 mile per greenback spent on all different purchases
In line with TPG’s February 2025 valuation, TPG values these miles at 1.45 cents apiece.
Additional Studying: Maximizing redemptions with Alaska Airways Mileage Plan
From free stopovers on one-way awards to aggressive premium cabin flights on Cathay Pacific and Starlux, Mileage Plan is an extremely precious program, and purchasing at Costco may help you rack up miles rapidly.
Learn our full evaluation of the Alaska Airways Visa Signature card.
Apply right here: Alaska Airways Visa Signature
Citi Double Money Card
Annual charge: $0
Welcome bonus: Earn $200 in money again after spending $1,500 on purchases within the first six months of account opening.
The Citi Double Money® Card (see charges and costs) has a simple incomes construction. Cardholders earn a complete of two% money again on purchases: 1% while you purchase and 1% as you pay to your purchases. There are not any bonus classes to fret about or caps on how a lot money again you’ll be able to earn.
Remember the fact that the Double Money card is a Mastercard and, due to this fact, will solely work when used for purchases at Costco.com. Money again is earned within the type of Citi ThankYou factors, so if you happen to additionally maintain a Citi card that has switch companions such because the Citi Strata Premier℠ Card (see charges and costs), incomes 2% money again might be an effective way to rack up rewards towards journey.
Learn our full evaluation of the Citi Double Money evaluation.
Apply right here: Citi Double Money
Capital One Spark Miles for Enterprise
Annual charge: $0 introductory annual charge the primary 12 months, then $95 after.
Welcome bonus: Earn 50,000 bonus miles after spending $4,500 on purchases inside the first 3 months of account opening.
The cardboard additionally gives worker playing cards at no further price, so that you maximize your incomes energy by way of worker spending as properly. Better of all, miles earned might be transferred to Capital One’s 15-plus switch companions.
Learn our full evaluation of the Capital One Spark Miles for Enterprise evaluation.
Study extra: Capital One Spark Miles for Enterprise
Backside line
Selecting the correct card to make use of at Costco is usually a problem, between the overall lack of bonus classes and the Visa-only coverage — apart from Costco.com permitting for Mastercard. Nonetheless, you’ll be able to maximize your Costco spending by utilizing the fitting card to earn money again, factors or miles every time you try.
Associated: The very best bank cards for on-line purchasing
