What credit cards does Costco accept? – See the full list of Debit and Credit Cards that Costco Accepts, including Visa, Costco Anywhere Visa® Card, and more. Learn which payment methods work in-store and online.

Costco, a well-known warehouse club, is famous for offering unbeatable prices on bulk products and providing excellent customer service.

One question that frequently pops up among shoppers is about the types of debit and credit cards Costco accepts. If you’re planning to do your next Costco run, it’s important to know which payment methods will work smoothly for you at checkout.

In this article, we’ll go through the list of all debit and credit cards that Costco accepts, so you can shop without a hitch.

See Also: 4 Steps to Use Mastercard at Costco In-Store and Online Store

What credit cards does Costco accept?

Costco’s payment policy is a bit different from many other retailers. While most stores are happy to accept a wide range of debit and credit cards, Costco has a more selective approach when it comes to which cards they’ll take. Let’s break it down by category:

1. Visa Credit and Debit Cards

As of recent policy changes, Costco only accepts Visa credit and debit cards for in-store purchases. This means that, whether you’re using a Visa Signature, Visa Platinum, or any other Visa-branded credit or debit card, you’re good to go.

Some of the most popular Visa cards that Costco accepts include:

• Chase Sapphire Preferred

• Chase Freedom Flex

• Citi Premier Card

• Capital One Quicksilver One Rewards

• Bank of America® Cash Rewards Visa

If you have a Visa debit card linked to your bank account, you can use it to pay for your purchases without any problem.

See Also: 5 Steps to Use EBT Card at Costco

2. Costco Anywhere Visa® Card by Citi

For Costco members, the Costco Anywhere Visa® Card by Citi is a fantastic option. This is a co-branded card issued by Costco and Citi, and it comes with amazing benefits for frequent Costco shoppers. Not only can you use this card at Costco, but you can also earn cashback on all your purchases.

Some of the perks of using this card include:

• 2% cashback on all Costco and Costco.com purchases

• 1% cashback on other purchases

• 3% cashback on restaurant and travel purchases

This card is accepted both in-store and online, making it a convenient option for regular shoppers.

3. Visa Debit Cards

Visa debit cards are also accepted at Costco, provided they are linked to a checking account. These cards allow you to make purchases just like any regular debit card. Whether it’s a simple transaction or a larger purchase, your Visa debit card should work without issue.

4. Mastercard and Discover Cards

Here’s a bit of bad news for some shoppers: Costco does not accept Mastercard or Discover credit or debit cards. If you have a Mastercard or Discover card, you will need to use a different form of payment when shopping at Costco in-store. However, you can still use your Mastercard or Discover cards on the Costco website.

See Also: 38 Eligible Items You Can Buy with EBT at Costco

5. American Express Cards

Costco used to accept American Express, but since the company switched to a partnership with Visa, American Express cards are no longer accepted for in-store purchases. However, like Mastercard and Discover, American Express can still be used on Costco’s online platform.

Alternative Payment Methods at Costco

While Costco has a more limited range of cards that can be used in-store, there are still some alternative payment methods that you can consider:

1. Cash

Of course, cash is always accepted at Costco. You can pay for your purchases using paper bills and coins, though this may not be the most convenient option for large shopping trips.

2. Costco Shop Cards

A Costco Shop Card is essentially a gift card that can be loaded with a balance and used for purchases at Costco. These cards can be purchased at Costco locations or online. You can also reload them, making them an easy and flexible payment option.

3. Debit Cards from Other Networks

Costco also accepts debit cards that are part of the Visa network, meaning that if your debit card has a Visa logo, you can easily use it to pay for your groceries or bulk buys.

See Also: 77 Things You Can buy at Trader Joe’s with EBT Card

4. Mobile Payments (Apple Pay, Google Pay)

Costco accepts mobile payment methods like Apple Pay, Google Pay, and Samsung Pay in certain locations. These payment systems use your smartphone to process the transaction, making it convenient for those who prefer to keep their cards stored digitally.

In-Store and Gas Station Payments:

1. Visa Credit Cards:

   • Costco accepts all Visa-branded credit cards for in-store and gas station purchases.

2. Costco Anywhere Visa® Card by Citi:

   • This co-branded card offers rewards and is accepted in-store and at gas stations.​

3. PIN-Based Debit/ATM Cards:

   • Most PIN-based debit and ATM cards are accepted for in-store and gas station purchases.

4. Costco Shop Cards:

   • Reloadable gift cards that can be used in-store and at gas stations.

5. Cash:

   • Physical currency is accepted for in-store purchases.​

6. Personal Checks:

   • Accepted from current Costco members for in-store purchases.​

7. Business Checks:

   • Accepted from current Costco business members for in-store purchases.​

8. Traveler’s Checks:

   • Accepted for in-store purchases.​

9. Electronic Benefit Transfer (EBT) Cards:

   • Accepted for eligible food purchases in-store.​

10. Mobile Payments:

    • Apple Pay, Google Pay, and Samsung Pay are accepted for in-store and gas station purchases.

See Also: 5 Steps to Use EBT at Trader Joe’s

Online (Costco.com) Payments:

1. Visa Credit Cards:

   • All Visa-branded credit cards are accepted for online purchases.​

2. Costco Anywhere Visa® Card by Citi:

   • This card is accepted for online purchases.​

3. MasterCard:

   • Accepted for online purchases.​

4. Most PIN-Based Debit/ATM Cards:

   • Accepted for online purchases.​

5. Costco Shop Cards:

   • Can be used for online purchases.​

6. Visa Checkout:

   • Accepted for online purchases.​

Note: While Costco accepts MasterCard for online purchases, in-store and gas station transactions are limited to Visa-branded cards.

See Also: 20 Stores to Buy Amazon Gift Cards

Additional Information:

• FSA/HSA Visa or MasterCard Debit Cards: These are accepted in Costco’s Pharmacy, Optical, and Hearing Aid Departments. ​

• Filtered Spend Visa/MasterCard: These can be used for in-store purchases. ​

Please note that payment policies can vary by location and may change over time. It’s advisable to verify accepted payment methods at your local Costco warehouse or on Costco’s official website before making a purchase.

Conclusion

In summary, Costco’s payment options are fairly straightforward, with Visa credit and debit cards being the primary form of payment accepted in-store. The Costco Anywhere Visa® Card by Citi is a great option for loyal Costco members, as it offers rewards on purchases. On the other hand, Mastercard, Discover, and American Express cards are not accepted in-store but can still be used on Costco’s website.

By knowing which payment methods are accepted, you can plan ahead and avoid any issues at the checkout. Keep in mind that Costco’s policies may evolve over time, so it’s always a good idea to check their website or contact your local warehouse for the most up-to-date information.

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