Costco accepts a limited range of credit cards: primarily Visa, along with Costco’s own co-branded card issued by Citi.
This means if you’re planning to shop at Costco, make sure you have a Visa card or the Costco Anywhere Visa® Card by Citi on hand. Other major credit cards like Mastercard, American Express, or Discover are not accepted in-store or online.
Members can also pay with cash, debit cards, and some digital wallets, but credit card options remain strictly limited. This policy can be surprising for some shoppers who are used to using various credit cards elsewhere.
The card acceptance policy is largely due to Costco’s partnership with Visa, which allows the retailer to offer lower prices to its members. It’s a unique business model that has served Costco well.
If you’re not a Visa cardholder, consider applying for the Costco Anywhere Visa® Card. It offers competitive rewards on purchases, including cash back on gas, travel, and dining.
Remember to keep an eye on any promotional offers or changes in acceptance policies, as these can vary by location or over time.
What types of payment does Costco accept?
Costco accepts Visa credit cards, the Costco Anywhere Visa® Card by Citi, cash, debit cards, and some digital wallets.
Can I use my Mastercard at Costco?
No, Costco does not accept Mastercard. You will need to use a Visa card or the Costco Anywhere Visa® Card.
Is there a Costco credit card?
Yes, the Costco Anywhere Visa® Card by Citi is specifically designed for Costco members and offers various rewards and benefits.
Can I use my American Express card at Costco?
No, Costco does not accept American Express cards as a form of payment in-store or online.
What if I don’t have a Visa card?
If you don’t have a Visa card, consider applying for the Costco Anywhere Visa® Card, or you can pay with cash or debit cards.