What Do I Need To Get A Costco Card

The best credit cards to use at Costco

Signing up for credit cards through partner links earns us a commission. Terms employ to the offers listed on this page. Here'due south our full advertising policy: How we make coin.

Update: One or more card offers in this post are no longer available. Check our Hot Deals for the latest offers.

What more exciting than a trip to Costco? Getting an even meliorate deal at Costco! You probably already know most Costco'southward membership perks, similar low prices and sectional sales. Simply did you know you can get a rebate in the form of bonus miles, points or cash back that can put money back in your wallet every time you shop?

When I store, I make sure to utilise one of the all-time credit cards for travel — and at that place are plenty to choose from. In reality, the best card to employ at Costco is the newest Visa card you opened, because earning lucrative new cardmember sign-up bonuses is the quickest and easiest way to get the best render for your spending, no affair what you're buying. So if y'all recently got one of those cards and are working to meet a minimum spending requirement, use that c1ard until you practise.

Proceed in mind, Costco only accepts Visa cards in-store. For online purchases, you can too utilise Mastercard or Discover credit cards, but not cards issued by American Limited.

When yous're non working toward minimum spending on a new card, here are the best cards to utilize at Costco to earn more rewards:

The best credit cards to utilize at Costco in 2021

U.S. Bank Altitude Reserve Visa Space® Card: Best overall
Costco Anywhere Visa® Carte by Citi: Best for greenbacks back
Chase Freedom Unlimited®: Best for earning Chase Ultimate Rewards points
Chase Liberty (card no longer available for new applicants): Best for rotating bonus categories

The information for the U.S. Bank Altitude Reserve, Costco Anywhere Visa, and Chase Freedom has been collected independently by One thousand thousand Mile Secrets. The carte du jour details on this page have non been reviewed or provided by the carte du jour issuer.

**If y'all shop at Costco, y'all tin earn piece of cake bonus rewards by paying with the correct credit card. (Photograph by Juan Llauro/Shutterstock)**

U.South. Bank Altitude Reserve

With the US Bank Altitude Reserve card, you lot can earn 50,000 Altitude Reserve points afterwards spending $4,500 on qualifying purchases within ninety days of account opening.

You'll earn:

3x points per dollar on travel purchases
3x points per dollar on mobile wallet purchases (like Apple Pay or Samsung Pay)
1x points per dollar on all other purchases

There's a $400 annual fee with this card, simply you'll get a slew of other perks including:

$325 in travel credit every cardmember year
Complimentary membership to Priority Pass Select airport lounges, with four free entries per year for you and 1 guest
12 complimentary Gogo inflight Wi-Fi passes per calendar year
Global Entry or TSA PreCheck fee credit of upwardly to $100, available every four years

**Mobile payments at Costco are your key to an phenomenal iv.5% back toward futurity travel every time you store.** (Photograph past Meghan Hunter/Million Mile Secrets)

Costco has added mobile payments at all of its stores, so you tin pay with your phone and earn iii Altitude Reserve points per dollar spent at Costco. Each point you earn is worth 1.5 cents toward travel, and then this amounts to four.5% back (1.v 10 iii) when y'all store at Costco and anywhere else that accepts mobile payments. That'southward an outstanding render on already adept deals.

You can volume with whatever travel provider you like and redeem your points using US Banking concern Real-Time Rewards. Yous do not have to book through US Bank to use your points. The almanac fee is steep, but I detect this card is a keeper, especially now that Costco purchases count for 3x points.

Hither'southward our full review of the U.Due south. Bank Distance Reserve.

Citi Costco Visa Card

Folks looking to earn straightforward cash back might consider the Citi Costco Visa card.

With this card, you'll earn 2% greenbacks back on purchases at Costco and Costco.com. You'll likewise earn:

4% greenbacks back on the first $vii,000 of purchases each year (ane% thereafter) on eligible gas including gasoline at Costco and gas stations worldwide (excluding superstores, supermarkets, convenience stores and warehouse clubs other than Costco)
3% greenbacks dorsum at restaurants worldwide
3% cash back for eligible travel purchases including airfare, hotel stays (excluding timeshares, banquets and events), auto rentals and purchases from Costco Travel
two% cash back on all other purchases from Costco and Costco.com
1% cash back on all other eligible purchases

This card has no almanac fee if you have a paid Costco membership.

The only drawback with this menu is you can only redeem your cash dorsum rewards equally a bank check once per year. So if yous abolish the card for any reason earlier receiving the cash back, you'll lose all the rewards you've earned. Some folks adopt the choice to redeem cash back rewards at the end of each billing bike.

Chase Freedom Unlimited

With the Chase Freedom Unlimited card, you'll earn $200 greenbacks back (xx,000 Chase Ultimate Rewards points) after you spend $500 on purchases in your offset 3 months from account opening.

You tin can just redeem the points you earn with the Freedom Unlimited for 1 cent each for cash back or towards travel. And so this card is mostly worthwhile if yous tin pair it with another premium Hunt card to access Chase transfer partners, like Hyatt and United Airlines. Those cards include:

Chase Sapphire Preferred® Card
Chase Sapphire Reserve®
Ink Business Preferred® Credit Card

If you employ your Chase Ultimate Rewards points for airfare, hotels or rental cars through the Chase travel portal, they're worth more than at that place as well.

On its own, the Chase Freedom Unlimited is decent for a carte with no almanac fee. But you can practise better past pairing it with 1 of the Chase credit cards mentioned to a higher place or choosing another card on this list.

Here's our full review of the Chase Freedom Unlimited.

Hunt Freedom

With the Chase Freedom card (no longer available to new applicants), you'll earn 5% cash back (5x Chase Ultimate Rewards points per dollar) on up to $1,500 in combined purchases in categories which rotate each quarter when y'all activate the bonus. In the by, categories have included department stores and wholesale clubs such as Costco.

Past quarters have besides included grocery stores, Amazon, mobile payments and other popular shopping categories. This is an incredible render on regular spending from a carte du jour with no annual fee.

Here's our review of the Hunt Freedom.

Bottom line

Folks who shop in-store at Costco must pay with a Visa card. There are many credit card options to earn extra cash back or bonus miles and points on your Costco purchases.

Nosotros recommend the U.S. Bank Altitude Reserve carte as the top rewards earning card for Costco purchases. But if yous prefer to earn greenbacks back, consider the Citi Costco Visa or Chase Freedom Unlimited.

Are there other cards you'd add to the list?

Hunt Sapphire Preferred® Carte du jour

Earn threescore,000 bonus points after yous spend $4,000 on purchases in the first iii months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more than.
Get 25% more value when you lot redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
With Pay Yourself Back℠, your points are worth 25% more during the current offer when yous redeem them for statement credits against existing purchases in select, rotating categories
Count on Trip Cancellation/Interruption Insurance, Machine Rental Collision Damage Waiver, Lost Baggage Insurance and more than.
Become free access to DashPass which unlocks $0 commitment fees and lower service fees for a minimum of i yr when you activate by December 31, 2024.

Intro April on purchases

North/A

Regular April

18.24% – 25.24% Variable

Residue Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Rates & Fees

Annual Fee $95

Other

Credit Needed Fantabulous / Good

Issuer Chase

Card Type Visa

Meghan Hunter is an editor for Million Mile Secrets. She covers points, miles, credit cards, airlines, hotels and full general travel. Her work has as well appeared in The Points Guy.

Editorial Note: We're the Meg Mile Secrets team. And nosotros're proud of our content, opinions and analysis, and of our reader's comments. These oasis't been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which nosotros often write most. And that's but how we like it! :)