Is Costco part of the Chase grocery store list? This question is about Chase Credit Cards

Is Costco part of the Chase grocery store list?

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This question is about Chase Credit Cards

Chip Lupo, Credit Card Writer

@CLoop • 06/29/21 This answer was first published on 06/29/21. 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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No, Costco is not part of the Chase grocery store list. Chase gives bonus rewards for grocery purchases made with eligible credit cards at full-service grocery store chains, smaller stores that primarily sell groceries, and grocery pickup and delivery services, if classified as a grocery store or supermarket. Wholesale clubs such as Costco and Sam’s Club do not qualify as grocery stores for Chase’s grocery store bonus category.

The good news for Costco shoppers is that Chase Freedom Flex℠ occasionally has a bonus category for wholesale clubs. While Costco only accepts Visa cards for in-store purchases, you can use the Chase Freedom Flex card, which is on the Mastercard network, for online grocery delivery orders. Costco.com takes Mastercard, Discover, and Visa cards. Groceries and any other items you buy on Costco.com will get 5% cash back, up to $1,500 spent each quarter when the wholesale clubs bonus category is activated.

It should also be noted that Chase has not announced when Chase Freedom Flex will have wholesale clubs as a quarterly bonus category again. Costco purchases were last eligible for 5% cash back in January, February, and March 2021.

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Is Costco a grocery store?

Costco is not considered a grocery store. You will generally earn 1% back in rewards, as the purchases you make there are considered regular purchases.

Transaction processors (like Mastercard, Visa, American Express and Discover) do not count big-box stores (Target and Walmart) or warehouse clubs (such as Costco) as grocery stores or supermarkets.… read full answer

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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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