Costco accepts Discover cards, but only for online purchases at Costco.com. You can also use Mastercard and Visa cards when shopping at costco.com. For in-store purchases, Costco will only accept Visa cards. American Express cards are not accepted in-store or online. American Express was Costco’s sole credit card partner until 2016. That year, the wholesale club struck a deal with Visa to accept only Visa credit cards at its stores.
Because Costco accepts Discover cards online, certain Discover cards may help you get extra value on your online purchases. In the past, Costco has been included in the “wholesale clubs” category, which gets extra rewards. Unfortunately, this feature is not available in 2021. It last ran in Q4 2018.
Costco has its own co-branded card, the Costco Anywhere Visa® Card by Citi. It offers 2% cash back on Costco purchases, among other rewards. And it has a $0 annual fee (though you will have to pay the $60 annual Costco membership fee to make purchases there).
Costco takes Visa credit cards, Visa debit cards and Visa gift cards. In fact, Costco only takes Visa cards. You cannot use Mastercard, Discover or American Express cards at Costco. If you don’t have a Visa card, you will have to pay by cash or check. This has been the case since June 2016, when Costco switched from only accepting American Express cards.… read full answer
It’s not common for retailers to have an exclusive relationship with one card network. Most stores that accept Visa also take Mastercard. It’s more common for stores to not take Discover or American Express.
Does Costco take Visa? Here are the facts:
Costco takes all Visa credit cards, debit cards and gift cards.
Costco only takes Visa cards. They won’t accept Mastercard, Discover or American Express.
You can tell if your card is a Visa by looking for the Visa logo (usually on the front).
If you don’t have a Visa card, you’ll only be able to pay with cash, a check or a prepaid Costco Cash Card.
Costco has its own co-branded Visa credit card, the Costco Anywhere Visa. You can use it not only at Costco but anywhere in the world Visa is accepted.
The Costco Anywhere Visa card is one of the best Visa cards to use at Costco. However, you will need to have a Costco membership ($60+ per year) in order to get it. That shouldn’t be an issue, though, as you have to be a Costco member to make purchases there anyway. But if Costco’s credit card doesn’t interest you, you can use any Visa you want.
Discover cards are accepted by more than 10.4 million U.S. merchants. Outside the United States, you can use Discover cards in 185 countries and territories. But there are some noticeable gaps, including Saudi Arabia, Ukraine and Taiwan. You can check Discover’s international-use map to see where, exactly, your Discover credit card will work.… read full answer
Even in the countries where Discover Card is accepted, you’ll still find many merchants that only accept Mastercard and Visa. That’s a big reason why Discover ranks 7th out of the 10 largest credit card companies in WalletHub’s International Travel Credit Card Report.
Here are the regions where Discover is not accepted:
Caribbean: Cuba, Haiti
South America: Guyana, Suriname, French Guiana, Bolivia, Chile
Europe: Ukraine, Lithuania, Latvia, Estonia, Albania, Montenegro, Serbia, Belarus, Moldova
Asia: Myanmar, Nepal, Bhutan, Bangladesh, Taiwan, North Korea
Oceania: New Caledonia, Vanatu, Solomon Islands, Timor-Leste, Brunei
Africa: All but 7 countries
Middle East: Almost all countries
The truth is, Discover cards really can’t compare to Visa and Mastercard credit cards in terms of international acceptance. You can use a Visa or Mastercard virtually anywhere on Earth that accepts credit cards. But there are plenty of countries where Discover cards won’t work, which means you’d either need to bring a lot of cash or a different credit card.
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