Best credit card to use at Costco

Updated October 30, 2026

Costco Anywhere Visa by Citi earns the most at Costco: 2% cash back. Costco usually codes as warehouse clubs.

Check with your own cards

Top 10 cards at Costco

1. 1
   Costco Anywhere Visa by Citi 2%
   Citi · No annual fee
2. 2
   Wells Fargo Active Cash 2%
   Wells Fargo · No annual fee
3. 3
   Bank of America Customized Cash Rewards 2%
   Bank of America · No annual fee

   • Up to $2,500 of spending a quarter, then 1% cash back
4. 4
   Capital One Venture X Rewards 2%
   Capital One · $395 a year
5. 5
   Chase Freedom Unlimited 1.5%
   Chase · No annual fee
6. 6
   Kohl's Rewards Visa 1%
   Capital One · No annual fee
7. 7
   Prime Visa 1%
   Chase · No annual fee
8. 8
   United Gateway 1%
   Chase · No annual fee
9. 9
   Nordstrom Visa 1%
   TD Bank · No annual fee
10. 10
    U.S. Bank Cash+ 1%
    U.S. Bank · No annual fee

Good to know

• Costco takes only Visa in-store. 20 cards are left out.
• Warehouse registers take Visa only for credit. Costco.com takes other networks.

From the issuers' terms

• Costco Anywhere Visa by Citi: “2% cash back on all other purchases from Costco and Costco.com” citi.com, checked 2026-10-26.
• Wells Fargo Active Cash: “unlimited 2% cash rewards on purchases” creditcards.wellsfargo.com, checked 2026-10-26.
• Bank of America Customized Cash Rewards: “Automatic 2% cash back at grocery stores and wholesale clubs” bankofamerica.com, checked 2026-10-28.

How this is ranked

Every personal card earnrate tracks, each set up at its best for this purchase: the right bonus-category pick, any activation done, and no spending cap used up yet. Points are counted at 1¢, what most are worth as cash or travel credit; transferring them to airlines or hotels can be worth more. Annual fees aren't subtracted here; to weigh them against your own spending, use My spending.

Related

warehouse clubs · Sam's Club