Yes, Costco accepts all Visa credit cards, Visa debit cards and Visa gift cards. In fact, Costco has a contract with Visa and only takes Visa cards. This means 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.
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.
Costco & Visa 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.
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.… read full answer
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 2022. 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).
No, you can’t use your Mastercard credit card at Costco, because Costco has a contract with Visa. You can, however, use your Mastercard credit card for purchases made at Costco.com and through the Costco app. For their warehouse locations Costco only accepts cards on the Visa network.
So, if you only have a Mastercard and want to shop at Costco, you have a couple choices. For starters, you can still pay for Costco items with cash or a check. But if you don’t really want to carry all that cash, take the time to write out a check or miss out on a lot of rewards, your best bet is to simply get a … read full answerVisa credit card.
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