What Credit Cards Does Costco Accept? Find Out Now!

If you’re considering joining Costco, be aware that only Visa credit cards are accepted for payment at its warehouses. Other issuers’ cards are accepted on Costco.com and the Costco mobile app.

For good reason, Costco is one of the biggest and most well-liked membership warehouse chains. Although it is best known for its grocery selections, it also has one of the most lenient return policies available and offers discounts on gas, electronics, clothing, and more.

In the table below, postedium.com compares what credit cards does costco accept warehouses to those that are permitted on Costco.com and the Costco app. 

what credit cards does costco accept

what credit cards does costco accept | what credit card does costco accept?

At Costco warehouses and gas stations, only cash, debit cards, Costco Shop Cards, and Visa credit cards are accepted (gift cards). There is no acceptance for Mastercard, Discover, or American Express. For 16 years, Costco only accepted American Express credit cards as a result of an exclusive agreement. But a few years ago, the retailer made the switch to Citi Visa. The branded cards were also transferred at that time, and cardholders began using the Citi Costco Anywhere Visa® Card.

Credit card type Accepted at Costco?
Visa Yes
Mastercard No
American Express No
Discover No

Thankfully, this card provided customers with more advantages than previous Costco Amex cards had.

You must have a Visa card in order to make purchases and earn rewards at Costco because non-Visa cards are no longer accepted there.

what forms of payment does costco accept | what form of payments does costco accept?

Because Costco and Visa have an exclusivity agreement, members cannot use their Mastercard credit cards to make purchases at warehouses.

You can still use a Mastercard debit card with a PIN, just not a credit card, to make purchases at Costco warehouses.

The following methods of payment are accepted at Costco warehouses:

  • Visa Cards of every kind
  • Costco Worldwide Citi Visa® Card
  • most PIN-based debit and ATM cards
  • Shop Costco Cards
  • Cash
  • Money orders from Costco members
  • Checks from Costco Business Members for business
  • Passport checks
  • EBT
  • Apple Pay
  • Google Pay
  • Samsung Pay

what payments does costco accept | what type of payment does costco accept?

Costco purchases can be made without a Visa card by customers. Cash, checks, debit/ATM cards, EBT, and Costco Cash Cards are also accepted at Costco. However, Costco’s gas stations and car washes do not accept cash, checks, or EBT.

Types of Payments Accepted on Costco.com:

  • Almost any Visa Card
  • The Citibank Costco Anywhere Visa® Card
  • Explore Cards (Including JCB and Diners Club)
  • Numerous ATM and debit cards with PINs
  • Shop Costco Cards (Costco Gift Cards)

Paying Options at US Costco Gas Stations:

  • All Cards with the Visa logo
  • The Citibank Costco Anywhere Visa® Card
  • Numerous ATM and debit cards with PINs
  • Shop Costco Cards (Costco Gift Card) 

what credit cards does costco accept 2023

The Costco Anywhere Visa® Card by Citi and the Costco Anywhere Visa® Business Card by Citi are the two main credit card types that Costco accepts. These cards, which are issued by Citi, provide Costco members with a range of rewards and advantages, including cash back on purchases made at Costco and other eligible retailers. The majority of popular credit cards, including Visa, Mastercard, American Express, and Discover, are also accepted at Costco. However, as this information may vary by location, it’s always a good idea to check with your neighbourhood Costco store to confirm which forms of payment they accept.

which credit card does costco accept?

Only Visa debit and credit cards are accepted at Costco, as was previously mentioned. MasterCard, American Express, and Discover cards from banks or credit unions are not accepted at Costco. Typically, this poses no issues for Costco customers. Branded Visa cards are used by many of Costco’s devoted customers. Many people still carry a Visa credit or debit card in their wallet even if they don’t have one. In actuality, in 2012, 261 million Americans had a Visa debit or credit card.

Due to an exclusive agreement between Costco and Visa, other significant credit card networks like Discover, MasterCard, and American Express are not permitted. A Visa card is required to make purchases at Costco. American Express and Costco previously had a contract that was exclusive. until Visa recently switched networks, which restricted card usage to that network.

There are no limitations on the debit card network for PIN-based debit; this exclusivity is only applicable to credit card networks. If your MasterCard debit card supports an alternative PIN-based debit network, you can use it to make a Costco purchase.

This means that although Costco’s Visa network partnership may limit your options, they aren’t as severely limited as you might anticipate because PIN-based debit options are available. Visa has numerous bank partners that issue Visa cards, including Citi, which is the credit card provider for Costco. 

why does costco not accept mastercard

MasterCard won’t be accepted in-store by Costco. However, you can use a MasterCard to make purchases at Costco.com while using a mobile device. Costco and Visa entered into an exclusive agreement back in 2017, making Visa the preferred method of payment in their warehouses.

which credit card costco accept -list

The Costco Anywhere Visa® Card by Citi, which is co-branded with the warehouse club, can be used at Costco just like any other credit card supported by the Visa network.

The following credit cards are accepted at Costco warehouses:

  • Freedom Unlimited by Chase
  • Bank of America Active Cash® Card
  • Visa Signature® Card with PenFed Power Cash Rewards
  • Card from Chase Sapphire Preferred

You can swipe or insert your card at the register or use contactless payment methods like tap-to-go and mobile wallets (Apple Pay, Google Pay and Samsung Pay).

FAQS

why doesn’t costco accept mastercard | does costco accept mastercard

Costco has a partnership with Visa, Mastercard’s biggest rival, which is the main reason why it does not accept Mastercard as a form of payment in its stores. Due to this, Mastercard is only accepted for online purchases and is not accepted in any of their physical stores.

does costco accept ebt | costco accept ebt

Yes, all Costco warehouses are required to accept both, and doing so is relatively simple. 

does costco accept apple pay?

Yes.Apple Pay is accepted at the vast majority of Costco locations using their contactless NFC reader.

does costco accept american express?

No, Costco does not anymore accept American Express.

does costco accept food stamps?

Yes, Costco accepts EBT cards and food stamps.

does costco accept credit cards?

Yes, Costco accepts credit cards The Costco Anywhere Visa® Card by Citi, which is co-branded with the warehouse club, can be used at Costco just like any other credit card supported by the Visa network.

does costco accept discover?

Despite being a popular credit card, Discover is not accepted at Costco warehouses. Customers cannot use credit cards issued by the other three major networks—American Express, Mastercard, and Discover—at Costco warehouses because of an exclusive contract with Visa.

does costco accept snap?

Yes, food stamps are currently accepted at every Costco Warehouse location as payment for SNAP-eligible goods. Food stamps are not, however, accepted by Costco for online payments, for program items that have not been approved, or at Costco gas affiliates. In Costco warehouses, SNAP recipients can use their EBT cards to pay for items that accept the program.

Can I use a debit card at Costco?

Yes, all Costco locations accept debit cards, including those used online, at their gas stations, and in their warehouses.

Conclusion

The forms of payment accepted at all Costco warehouses, online at Costco.com, and at Costco gas stations are Visa cards, Debit/ATM cards, and Costco Shop Cards. Members of Costco are also able to make payments at warehouses and online using additional methods in addition to these three.

The inability to use a Mastercard credit card to pay is one disadvantage of purchasing goods at a warehouse. Costco only accepts Visa credit cards for in-store purchases due to an exclusive agreement with Visa.

The good news is that you can still use your Mastercard credit card to make purchases at Costco.com if you have one. Additionally, all Costco locations accept Mastercard debit cards.

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