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CardCurator — Rewards Intelligence
Costco

Best Credit Card for Costco Wholesale

Compare the top credit cards to maximize your rewards every time you shop at Costco Wholesale.

Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Top Pick

Best Pick
Bilt Obsidian Card card art
Bilt Rewards

Bilt Obsidian Card

3x
points per dollar
6.0%
effective return
$95/yr
annual fee
$200
signup bonus

3x on Groceries

Apply Now More Info

More Good Options

  • Costco Anywhere Visa Business Card card art
    Costco
    Costco Anywhere Visa Business Card
    5x
    pts/dollar
    5.0%
    return

    5x on gas at Costco

    Learn more →
  • Aeroplan Card card art
    Air Canada Aeroplan
    Aeroplan Card
    3x
    pts/dollar
    4.7%
    return

    3x on purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores

    Learn more →
  • HSBC Premier credit card card art
    HSBC Rewards
    HSBC Premier credit card
    3x
    pts/dollar
    3.8%
    return

    3x on Groceries

    Learn more →
  • Hilton Honors Surpass card art
    Hilton Honors
    Hilton Honors Surpass
    6x
    pts/dollar
    3.6%
    return

    6x on Groceries At U.S. supermarkets

    Learn more →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at Costco Wholesale?

The Bilt Obsidian Card is currently the top pick at Costco Wholesale, earning 3x points per dollar — an effective 6.0% return. 3x on Groceries

How many points do I earn at Costco Wholesale per dollar spent?

Top cards earn between 3x and 6x at Costco Wholesale. Leading options include: Bilt Obsidian Card (3x), Costco Anywhere Visa Business Card (5x), Aeroplan Card (3x).

Does Costco Wholesale count as costco for credit card rewards?

Costco Wholesale typically falls under the Costco category for credit card reward purposes. Cards with a costco spending bonus will earn an elevated rate here. Choosing the right card for this category can meaningfully boost your overall rewards return on everyday spending.

Is there a no-annual-fee card that earns well at Costco Wholesale?

Yes — the Costco Anywhere Visa Business Card has no annual fee and earns 5x at Costco Wholesale (5.0% effective return). 5x on gas at Costco

Also earning in Costco