Best credit card to use at Costco.
Wholesale Club
Costco Wholesale runs about 600 warehouses worldwide and a sizable online catalog at costco.com. The pricing model revolves around member-only bulk buying, so card choice matters most for people running weekly grocery and gas trips through the warehouse. Two quirks worth knowing: Costco accepts only Visa cards in-warehouse (no Mastercard, Amex, or Discover), and Costco gas pumps code as wholesale clubs — not gas — so a 5% gas card will not trigger at the pump here.
- #1CitiCo-branded Costco cardCostco and Costco.com purchases only — does not earn at Sam's Club, BJ's, or other warehouse clubs2%
- #2CitiCo-branded Costco cardCostco and Costco.com purchases only — does not earn at Sam's Club, BJ's, or other warehouse clubs2%
- #3U.S. BankEarns 6% at CostcoIf selected as one of your 2 quarterly retailers (up to $1,500/quarter, then 1.5%)6%
- #43%
- #52%
- #62%
- #7First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #8Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #9American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #102%
