Which credit card to use at Costco

Costco warehouses usually take only Visa credit cards (Costco.com takes more). Costco usually doesn't count as groceries. Check with your issuer.

Costco usually counts as: Warehouse clubs. Warehouse clubs usually don't count as groceries, even for food. A few cards have a warehouse club bonus. Check with your issuer.

Top cards at Costco

Ranked by each card's published reward rate here: a bonus for this store, else a bonus for its category, else the card's everyday rate. Points and miles count as 1 cent each, hotel and store points as half. Cards whose terms list no rate for this kind of store and no everyday rate are left out. Only Visa cards are shown, because this store usually takes only Visa. Advertiser disclosure · Sorted by the card's own published terms, never by what an issuer pays.

1. Robinhood Robinhood Gold Card Annual fee: No fee 3% · Everyday rate (no bonus here): “3% cash back on all categories (Robinhood Gold membership required)” More info ›
2. Bank of America Bank of America Customized Cash Rewards Annual fee: No fee 2% · Warehouse clubs rate: “2% grocery & wholesale clubs (up to $2,500/qtr combined)” More info ›
3. Citi Costco Anywhere Visa Card by Citi Annual fee: No fee 2% · Bonus at Costco: “2% Costco” More info ›
4. Elan (Fidelity) Fidelity Rewards Visa Signature Annual fee: No fee 2% · Everyday rate (no bonus here): “2% back into a Fidelity account” More info ›
5. Navy Federal Credit Union Navy Federal cashRewards Plus Annual fee: No fee 2% · Everyday rate (no bonus here): “2% cash back on everything (membership required)” More info ›
6. Capital One T-Mobile Visa Card Annual fee: No fee 2% · Everyday rate (no bonus here): “2% else (in T-Mobile Rewards)” More info ›
7. TD Bank TD Double Up Credit Card Annual fee: No fee 2% · Everyday rate (no bonus here): “2% cash back on everything” More info ›
8. U.S. Bank U.S. Bank Smartly Visa Signature Annual fee: No fee 2% · Everyday rate (no bonus here): “2% on everything” More info ›
9. Wells Fargo Wells Fargo Active Cash Annual fee: No fee 2% · Everyday rate (no bonus here): “2% cash rewards on purchases” More info ›
10. Capital One Capital One Venture Rewards Annual fee: $95/yr 2x · Everyday rate (no bonus here): “2x miles on every purchase” More info ›

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