Can I use the Chase Freedom Flex card at Costco? This question is about the Chase Freedom Flex℠

Can I use the Chase Freedom Flex card at Costco?

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This question is about the Chase Freedom Flex℠

Rhonda Stewart, WalletHub Loans Analyst

@rhonda • 05/04/22 This answer was first published on 11/06/20 and it was last updated on 05/04/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, you cannot use the Chase Freedom Flex card at Costco stores, but you can use this card on Costco.com. Costco stores only accept Visa credit cards, while Chase Freedom Flex is a Mastercard. On the other hand, Costco.com accepts all cards with the only exception being the American Express credit cards.

The original Chase Freedom® card, which the Chase Freedom Flex card replaced, was on the Visa network, so it could be used at Costco stores. Chase Freedom Flex cardholders will unfortunately need to find a different card to use in store. The Costco Anywhere Visa® Card by Citi is a great option.

What you earn by using Chase Freedom Flex at Costco.com:

Chase Freedom Flex will always offer at least 1% cash back at Costco.com. Plus, if “wholesale clubs” is ever a quarterly bonus category on the card, cardholders should be able to earn 5% cash back on the first $1,500 spent in that category (combined with any other bonus categories that quarter). The original Chase Freedom included wholesale clubs as a bonus category multiple times, so there’s a chance the Chase Freedom Flex card could as well.

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Can I use the Chase Freedom card at Costco?

Yes, you can use the Chase Freedom card at Costco because it is on the Visa network. Costco only accepts Visa credit cards at its stores.

The Chase Freedom offers 5% cash back on grocery store purchases for the first year (up to $12,000 spent), 5% cash back on up to $1,500 spent per quarter in bonus categories (which change every quarter and require activation), and 1% back on all other purchases. To view the 5% quarterly cash back calendar for qualifying categories, visit Chase's dedicated web page.

Alternative Credit Card for Costco Purchases… read full answer

An even better credit card than Chase Freedom for Costco purchases is the Costco Anywhere Visa® Card by Citi, the store’s own co-branded card. The Costco Credit Card offers 4% cash back on eligible gas (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. Plus, its annual fee is $0.

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