Does Costco accept Visa credit cards?

Question

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).

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Answer 1 · 2021-11-10 10:10:32

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Maria Adams, Credit Cards Moderator

@m_adams • 11/10/21 This answer was first published on 03/05/21 and it was last updated on 11/10/21.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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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.

Does Costco accept Visa credit cards?

Maria Adams, Credit Cards Moderator

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