Paddy Sullivan, Member
@PaddySully
The best credit card for Costco is the Costco Anywhere Visa® Card by Citi. You get 4% cash back in Costco cash on the first $7,000 you spend per year on gas (including Costco stations). You also get 3% cash back for restaurant and travel purchases, 2% cash back at Costco and Costco.com, and 1% cash back everywhere else. You get your Costco cash as a yearly certificate every February, and you can redeem it for any Costco purchases at a 1:1 rate.
The Costco card gives you the most rewards at Costco. But if you want a card that offers rewards at other grocery stores, too, there are other options available. And they’re all Visa options, since that’s the only card network that Costco accepts.
Here are the best credit cards for Costco:
- Costco Anywhere Visa® Card by Citi: $0 annual fee. 4% cash back at eligible gas stations, 3% on restaurants and travel, 2% on Costco purchases, 1% everywhere else. Excellent credit required.
- Capital One® Savor® Cash Rewards Credit Card: $95 annual fee. $300 for spending $3,000 in your first 3 months. 4% cash back on dining, 2% cash back on groceries, and 1% everywhere else. Good credit required.
- Capital One Venture Rewards Credit Card: $95 annual fee. 60,000 miles for spending $3,000 in your first 3 months. 5 miles per $1 for purchases made through Capital One Travel, and 2 miles per $1 everywhere else. Good credit required.
- PenFed Platinum Rewards Visa Signature® Card: $0 annual fee. $100 for spending $1,500 in your first 90 days. 5 points per $1 on gas, 3 at supermarkets and 1 everywhere else. Excellent credit required.
- Bank of America® Cash Rewards Credit Card for Students: $0 annual fee. $200 for spending $1,000 in your first 90 days. 3% cash back in the category of your choice, including gas, 2% at grocery stores and 1% everywhere else. You can get this card with limited history.
So, the Costco Anywhere Visa® Card by Citi definitely takes the cake as far as credit cards for Costco go. But 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. Some cards, like the Capital One Venture Rewards Credit Card and the Citi® Double Cash Card, have great earning rates on all purchases.

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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Justin Brown @justinbrownwbs
Cap One issuing SavorOne as a visa now?? If not you won't have much luck charging anything at Costco without a visa card