What Credit Cards Does Costco Accept?

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A trip to Costco is a shopping adventure: You'll save money, savor food samples, discover new products and probably walk a few miles. But before you head to Costco, be sure you have the right payment methods in hand. Here are the credit cards you can (and can't) use at Costco.

Credit Cards Accepted at Costco Warehouses

All Costco stores accept any credit card backed by the Visa network. Visa-backed cards Costco accepts include:

  • Chase Freedom Unlimited®®: This card has no annual fee and an introductory 0% annual percentage rate (APR) on purchases for 15 months, at which point the APR climbs to 14.99% to 23.74% (variable). Earn 5% cash back on travel purchased through Chase Ultimate Rewards, 5% cash back on grocery store purchases (although that doesn't include warehouse stores such as Costco, Target and Walmart) on up to $12,000 in the first year, 3% cash back on dining and drugstores and 1.5% cash back on all other purchases. Spend $500 within 3 months from account opening and get a $200 bonus.

Credit Cards Not Accepted at Costco Warehouses

Cards from American Express, Discover or MasterCard aren't accepted in Costco stores. However, you can shop online at Costco.com or using the Costco app with cards backed by the Discover and MasterCard network such as:

  • Chase Freedom Flex℠: This card has a 0% intro apr on purchases for 15 months; then the variable APR is 14.99% to 23.74%. Earn 5% cash back on grocery purchases (not including warehouse stores such as Target and Walmart) on up to $12,000 spent in the first year; 5% cash back on up to $1,500 in combined purchases in bonus categories that change each quarter; 5% on Chase travel purchased through Ultimate Rewards®; 3% on dining and drugstores; and 1% on all other purchases. Spend $500 within 3 months of account opening and get a $200 bonus.

Why Do Costco Warehouses Only Accept Visa Credit Cards?

It's unusual for large retailers to restrict payment methods. However, Costco has a partnership with Visa, so Visa is the only card accepted in-store. (Costco previously had a similar partnership with American Express that ended in 2016.)

Be Prepared With the Right Credit Card at Costco

The credit cards above require good to excellent credit. See if you may qualify by checking your credit report and credit score. If necessary, improve your credit score by paying down debt, paying bills on time and avoiding applications for new credit. Visit Experian CreditMatch™ to be paired with cards that fit your credit profile. With the right credit card in hand, you can make the most of your Costco visit.

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