Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
The best credit card for Costco purchases is the Costco Anywhere Visa® Card by Citi. It offers 4% cash back on eligible gas and EV charging purchases (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases. You get your Costco cash as a yearly certificate every February, and you can redeem it for any Costco purchases.
The Costco Credit Card gives you very good rewards at Costco. But if you want a card that offers bonus rewards at other grocery stores, too, there are other options available. They’re all Visa cards, since that’s the only card network Costco accepts for both in-store and online purchases.
6 of the Best Credit Cards for Costco Purchases
Rewards: The Costco Credit Card gives you 4% cash back on eligible gas and EV charging purchases (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases.
Annual Fee: The card has a $0 annual fee.
Min. Credit Required: It requires excellent credit. You also need to be a Costco member to qualify for this card.
Rewards: The Costco Business Credit Card gives you 4% cash back on eligible gas for the first $7,000 per year, 3% on restaurants and travel, 2% on Costco and Costco.com purchases, 1% on all other purchases.
Annual Fee: The card has a $0 annual fee.
Min. Credit Required: It requires excellent credit. You also need to be a Costco member to qualify for this card.
Rewards: Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year).
Annual Fee: This card has a $0 annual fee.
Min. Credit Required: It requires at least good credit.
Rewards: The Wells Fargo Active Cash card gives $200 cash rewards after spending $500 in the first 3 months. Plus, the card offers 2% cash rewards on all purchases.
Annual Fee: This card has a $0 annual fee.
Min. Credit Required: It requires at least good credit.
Rewards: The Upgrade Credit Card offers 1.5% cash back on all purchases every time you make a payment.
Annual Fee: This card also has a $0 annual fee.
Min. Credit Required: It requires at least fair credit.
Rewards: The Petal 2 Card offers 1% cash back on all eligible purchases, up to 1.25% back after 6 months of on-time payments, and 1.5% cash back after 12 consecutive months of paying on time.
Annual Fee: This card has a $0 annual fee.
Min. Credit Required: It requires at least limited credit.
As you can see, you don’t need a credit card with Costco in the name, or even one with extra rewards on groceries, to save on Costco purchases. For more options that will work at Costco and beyond, take a look at our editors’ latest picks for the best Visa rewards credit cards.

Costco Anywhere Visa® Card by Citi
Monica Durante, Member
@monica_durante
Obviously, it's gonna be the branded card, the Costco Anywhere Visa® Card by Citi. It's not incredible as far as rates go, but the rewards are moulded specifically for them.
sara_stiles, Member
@sara_stiles
That’s obviously going to be the Costco Anywhere Visa® Card by Citi. It’s not only great for Costco purchases, as you can use it for all your other purchases and earn rewards. It also doesn’t charge a foreign transaction fee. The card offers 4% cash back on all gas purchases, not just Costco, 3% on restaurants and travel, 2% on Costco purchases, and 1% on all other purchases.
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Cap One issuing SavorOne as a visa now?? If not you won't have much luck charging anything at Costco without a visa card