Skip to main content
CardCurator — Rewards Intelligence
Costco

Best Credit Card for Costco

Compare the top credit cards for Costco Wholesale purchases and find which one earns the most rewards.

Costco only accepts Visa credit cards in-store. The Costco Anywhere Visa earns 4% on gas, 3% on dining and travel, and 2% on all Costco purchases — making it one of the best store-branded cards available.

Top Pick

Best Pick
Costco Anywhere Visa card art
Costco

Costco Anywhere Visa

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

5x on Gas at Costco

Apply Now More Info

More Good Options

  • BJ's One+ Mastercard card art
    BJ's Rewards
    BJ's One+ Mastercard
    5x
    pts/dollar
    5.0%
    return

    5x on most purchases at BJ's

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Costco)

    Learn more →
  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Costco)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Costco)

    Learn more →
Compare these 3 cards side by side

Rewards Calculator

$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

Quick summary

A short version of the recommendation with the main numbers and fallback option.

For Costco Wholesale purchases, Costco Anywhere Visa is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on Gas at Costco. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Updated June 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/costco

View source data
Top card
Costco Anywhere Visa
5x · 5.0%
No-fee fallback
Costco Anywhere Visa
5x · 5.0%
  • Costco Anywhere Visa: 5x and 5.0% effective return.
  • At $500/month, that's about $300/year in rewards value before bonuses.
  • Costco Anywhere Visa is the current no-fee fallback at 5x (5.0% effective return).
  • Methodology uses live earn rates, annual fees, and current point valuations.
Methodology Sources

Common Questions

What is the best credit card for Costco?

The Costco Anywhere Visa is currently the top pick for Costco Wholesale purchases, earning 5x points per dollar — an effective 5.0% return.

How many points do you earn on Costco purchases?

The top-rated card for Costco Wholesale purchases, the Costco Anywhere Visa, earns 5x per dollar — an effective return of 5.0%.

Is there a no-annual-fee card that earns rewards on Costco?

Yes — the Costco Anywhere Visa earns 5x on Costco Wholesale purchases with no annual fee (5.0% effective return).

Is a premium card worth the annual fee for Costco spending?

The Bilt Palladium Card ($495/yr) earns 2x on Costco Wholesale purchases. If you spend $1,031/month or more on costco, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Costco?

Costco Anywhere Visa: $300/yr, BJ's One+ Mastercard: $300/yr, Bilt Palladium Card: $240/yr. The Costco Anywhere Visa earns the most at $500/month.

Do rotating category cards earn on Costco?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature costco as a 5% bonus category for one quarter per year. Year-round, a dedicated costco card typically outperforms rotating category cards since you can't always count on the bonus.

Popular Costco merchants

Related categories