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Best Credit Cards to Use at Costco

Costco is a popular wholesale club offering great deals to its members on everything from rotisserie chickens to 4-pound containers of animal crackers. While they have their own credit card, plenty of other options are available to help you earn rewards on your purchases. However, the market has a few stipulations, so we’ve compiled a list of cards that meet their requirements.

Keep reading to learn which cards we recommend to use at Costco.

Best Costco credit cards

When looking for a Costco credit card, there are a few things to note:

Our top picks for the best personal credit cards to use at Costco

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Best for gasoline purchases

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi
Up to 4% Reward Rate

Earn 2% back on Costco purchases and 1% to 4% back on other eligible purchases.

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Annual Fee
$0
Welcome Offer
N/A
Regular APR
20.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
The Costco Anywhere Visa® Card by Citi is a solid option for true Costco enthusiasts. It doesn’t have an annual fee, but you must be a Costco member to qualify. Costco memberships start at $60 a year, but if you’re looking at this page, you likely already meet that criteria. This card shines most brightly with its reward rate on gasoline purchases (at Costco and other gas stations), with 4% back on up to $7,000 of spending per year, then 1%. Note: All information for the Costco Anywhere Visa® Card by Citi has been collected independently by LA Times Compare. The card details on this page have not been reviewed or provided by the card issuer.
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Best for everyday spending

Chase Freedom Unlimited®

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Up to 6.5% Reward Rate

Enjoy 6.5% cash back on travel purchased through Chase Travel℠, 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% cash back on all other purchases.

Annual Fee
$0
Welcome Offer
Up to $300 cash back
Regular APR
20.49%-29.24% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Chase Freedom Unlimited® is a well-rounded card with solid rewards on eligible travel, restaurant and drugstore purchases. It only earns 1.5% back on Costco purchases, but these rewards can be redeemed in various ways. You can even pool rewards with a different Chase Ultimate Rewards® earning card for additional value. If you’re looking for a card that can cover most of your spending needs, Chase Freedom Unlimited® is a top contender.

Best for simple rewards on travel

Capital One Venture X Rewards Credit Card

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Up to 10X Reward Rate

Earn 10X miles on hotel and rental car purchases made through Capital One Travel, 5X miles on airfare and vacation rentals purchased through the portal, and 2X miles per dollar spent on all other purchases.

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Annual Fee
$395
Welcome Offer
75,000 miles
Regular APR
19.99% to 29.99% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
Every purchase you make (including at Costco) earns 2X miles with the Capital One Venture X Rewards Credit Card. Frequent travelers can earn even more, with 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals through Capital One Travel. When redeemed for travel, these miles are worth 1 cent apiece.
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Card Details

More card info

  • Get a $300 annual credit for booking trips through Capital One Travel
  • Enjoy 10,000 bonus miles every year, which is equivalent to $100 towards travel, starting on your first anniversary
  • Unlimited complimentary access to over 1,300 lounges, including Capital One lounges and the partner lounge network, for you and two guests
  • Use Venture X miles to cover the cost of travel expenses, such as flights, hotels and rental cars; you can even transfer miles to over 15 travel loyalty programs of your choice
  • Enhance every hotel stay from the Premier or Lifestyle Collection with a range of cardholder benefits, such as experience credit, room upgrades, and more
  • Up to a $100 credit for Global Entry or TSA PreCheck®
Pros
  • Miles can be redeemed for travel purchases, transfers to international airlines, and more
  • Can qualify for hundreds of dollars in credits each year
  • Huge welcome offer
Cons
  • $395 annual fee
  • Large spending requirement to earn the welcome bonus
  • Excellent credit required

Best for flexible redemption

Chase Sapphire Preferred® Card

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Up to 5X Reward Rate

Earn 5X points on Chase Travel℠ purchases, 3X points on dining, online grocery purchases, and select streaming services, and 1X points on other purchases.

Annual Fee
$95
Welcome Offer
60,000 points
Regular APR
21.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Chase Sapphire Preferred® Card earns 3X points on online grocery purchases, but unfortunately, Costco is excluded from this category. However, you can earn 1X points on non-bonus purchases and these points can be redeemed for 25% more value through Chase Travel℠. This card is ideal for the casual traveler or everyday spender, as it earns generous rewards in useful categories. While redeeming for travel is the most lucrative option, users can also choose to redeem for cash back, gift cards, and more.

Best for redemption value

Chase Sapphire Reserve®

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Up to 10X Reward Rate

Earn 10X points on hotels and car rentals booked through Chase Travel℠, 10X points on Chase Dining purchases, 5X points on flights booked through Chase Travel, 3X points on non-Chase travel and dining, and 1X points on all non-bonus spending.

Annual Fee
$550
Welcome Offer
60,000 points
Regular APR
22.49% to 29.49% variable
Recommended Credit
Excellent (740 - 850)
Why we like it
It doesn’t get much better for the frequent traveler than the Chase Sapphire Reserve®. With a high reward-earning rate on travel and non-travel purchases, a generous welcome offer, and high-value perks, the Sapphire Reserve is a top-tier travel credit card. It only earns 1X points on Costco purchases. These rewards can be redeemed at a value of 1.5 cents apiece for travel through Chase Travel℠, so it’s almost like you’re earning 1.5X points on your Costco shopping trips.

Payment methods accepted at Costco

In-store

Costco gas stations

Online (Costco.com)

▶︎  Learn more: Costco Payment Methods

Costco hasn’t accepted American Express cards since they fell out in 2016. The two used to have an exclusivity agreement until Costco switched to partner with Visa.

Note: All information for the Costco Anywhere Visa® Card by Citi has been collected independently by LA Times Compare. The card details on this page have not been reviewed or provided by the card issuer.

About the Author

Jaiden Hart
Jaiden Hart Writer & Content Manager, Credit Cards

Jaiden Hart serves as a credit card writer and content manager at LA Times Compare. Beginning her career as an intern on the Compare team, she has since amassed considerable expertise and passion in the credit card industry. 

Jaiden’s primary objective is to simplify the process of choosing and managing a credit card through engaging and honest content so individuals can more effectively maximize their benefits and meet their financial goals.

About the Reviewer

Blake Esken
Blake Esken Los Angeles Times

Blake Esken has over 15 years of experience in product management and has been a member of the Los Angeles Times staff for over five years.

As part of his role at the Los Angeles Times Commerce Team, Blake acts as the in-house reviewer and fact checker for LA Times Compare. He supervises all content for compliance and accuracy and puts to use skills he has honed through years of experience managing high-stakes projects for a range of industry-leading companies.

He has a strong background in data analysis, compliance, and communication, which allows him to support LA Times Compare through fact-checking in an effort to provide up-to-date and factual information across our content.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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