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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 Business Card card art
Costco

Costco Anywhere Visa Business Card

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

  • 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 →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Costco)

    Learn more →
Compare these 3 cards side by side

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Common Questions

What is the best credit card for Costco?

The Costco Anywhere Visa Business Card 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 Business Card, 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 Business Card 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 Business Card: $300/yr, Bilt Palladium Card: $240/yr, Blue Business Plus Credit Card from American Express: $240/yr. The Costco Anywhere Visa Business Card 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.

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