Best Credit Card for Costco 2026
Costco is one of the few major retailers that accepts only Visa cards. These picks maximize your Costco and everyday spending rewards.
Costco Anywhere Visa by Citi
The official Costco credit card — 4% on gas, 3% restaurants/travel, 2% at Costco, 1% everywhere else.
- Rewards: 4% gas, 3% restaurants/travel, 2% Costco, 1% other
- Annual Fee: $0 (requires Costco membership)
- Welcome Bonus: None
Citi Double Cash Card
2% everywhere — great backup for Costco purchases if you don’t want a co-branded card.
- Rewards: 2% on all purchases
- Annual Fee: $0
- Welcome Bonus: $200 after $1,500 spend in 6 months
Chase Freedom Unlimited
1.5–5% Visa card accepted at Costco, with elevated travel and dining rewards.
- Rewards: 5% travel, 3% dining, 1.5% other
- Annual Fee: $0
- Welcome Bonus: $200 after $500 spend in 3 months
Quick Comparison
| Card | Rewards | Annual Fee | Best For |
|---|---|---|---|
| Costco Anywhere Visa | 2–4% at Costco/gas | $0* | Costco members |
| Citi Double Cash | 2% everywhere | $0 | Simple backup |
| Chase Freedom Unlimited | 1.5–5% | $0 | Flexible Visa |
How to Choose
Costco members should use the Costco Anywhere Visa card — 2% at Costco plus 4% at gas stations (including Costco gas) is hard to beat.
Frequently Asked Questions
What credit cards work at Costco?
Costco only accepts Visa credit cards in-store. All major Visa cards work, plus Costco debit cards.
Can I get the Costco Visa without a membership?
No — the Costco Anywhere Visa requires an active Costco membership.
How are Costco Visa rewards paid out?
Rewards accumulate throughout the year and are paid as a Costco cash voucher in February, redeemable at Costco.