What Credit Cards Does Costco Accept?

What Credit Cards Does Costco Accept?

What credit cards does Costco accept? You’ve probably tried to make a purchase online with a particular card only for your card to be bounced. 

It is not unusual for stores to use certain credit/debit cards and not use others. Sometimes, this might result from a card being expired or exceeding its credit limit.

The card has probably been placed on hold (or blocked) by a business. In most cases, though, this happens because a particular business or store only accepts certain cards.

Costco is not an exemption as it only allows for certain card types to be used to purchase from its stores. As we proceed, you’ll learn what cards are accepted at Costco and those that are not.

What Credit Cards Does Costco Accept?

Costco warehouses only accept credit/debit cards branded with the Visa logo.

Costco only allows the use of Visa cards in its stores due to an exclusive contract it has with Visa after the termination of its previous affiliation with American Express in 2016.

However, people who do not have a Visa card can still shop at Costco using its commercial online platform or on the Costco app using other card types including, Master cards, discover cards (including Diners Club and JCB), Costco Shop cards, and the Costco Anywhere Visa Card.

This is in addition to a few other card types such as:

Alternatively, customers can shop at Costco warehouses using other options such as cash, mobile payments (via Apple Pay, Google Pay, and Samsung Pay), and checks.

What Credit Cards Does Costco Not Accept?

Since Costco has an existing exclusive contract with Visa, it does not accept cards from other card networks such as American Express, Mastercard, and Discover at its warehouses.

Note that these cards can still be used to make purchases online via the Costco website and the Costco mobile app. They can also be used to purchase the Costco Shop card online.

Regardless, American Express cards are unaccepted on Costco’s online platforms and physical stores. More so, Costco will no longer accept Discover cards online as of November 15, 2023.

Not every Costco warehouse has a gas station, but these gas stations also have their special gas preferences. Let us briefly discuss them in the section below.

What are the Credit Cards Accepted at Costco Gas Stations?

Costco gas stations accept cards as well as other payment methods including cash and checks. However, their most preferred mode of payment is via Visa cards. Other accepted methods are:

  • Visa cards
  • The Costco Anywhere Visa Card by Citi
  • Costco Anywhere Visa Business Cards by Citi
  • Any PIN-based debit/ATM card with the exception of American Express cards
  • Costco Shop cards

Moreso, customers who buy from Costco gas stations using a Visa card or the Costco Anywhere Visa Business card stand a chance to become eligible for certain rewards.

Also, Costco Anywhere Visa Business cards can help users earn rewards when they buy gas from any qualifying gas station, with higher reward rates for purchases at Costco gas stations.

Over time, these rewards can help Americans save up to $200 a year on gas costs. So, what do you do if a Costco warehouse or gas station does not accept your card? Find out below.

What to Do if Costco Doesn’t Accept Your Card?

If a Costco warehouse or gas station rejects your card because it wasn’t a Visa card, then you can still make your purchase using their website or their mobile application. 

Mind you, you can only use their platform if you use a card generally accepted in the U.S., apart from American Express cards. If you have some cash, you can still proceed with your purchase.

If you have a Mastercard or any PIN-based card, you can buy a Costco Shop card from the company’s website.

Note that purchases on Costco internet-based platforms warrant a 5% surcharge for non-members. This surcharge excludes orders of prescription drugs.

Persons who have further concerns or inquiries can lodge them at the Costco customer service platform.

Generally, Costco only accepts Visa cards in their warehouses. However, you can use other card types apart from the American Express card when you buy via any of their other channels.

Common cards accepted on the Costco mobile app and website are Master cards and Discover cards. You can also purchase any of the Costco cards online using their accepted cards.

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