What Credit Cards Does Costco Accept? – Forbes Advisor


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Costco was known at one time for not accepting credit cards at all, but times change and now Costo accepts all Visa cards in store and at Costco Gas Stations. Mastercard is accepted online at Costco.com, as are Discover cards, but no credit cards from other networks (like American Express) are currently accepted.

Find The Best Credit Cards For 2022

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

What Credit Cards Does Costco Accept?

Costco accepts Visa cards in store at Costco Warehouses and at U.S. Costco Gas Stations. Online at Costco.com, Visa is also accepted as is Mastercard and Discover Card, including JCB and Diners Club cards.

Credit Cards Accepted at Costco Warehouses

Costco Warehouses accept a number of other payment methods aside from credit cards:

  • Cash
  • Most pin-operated debit cards
  • Costco Shop Cards
  • Traveler’s Checks
  • Personal checks (from current Costco Members)
  • Business checks (from current Costco Business Members)
  • EBT Cards

Mobile payments using an eligible payment method above are also accepted.

Credit Cards Accepted at Costco Gas Stations

Costco Warehouses also accept a few other payment methods:

  • Most pin-operated debit cards
  • Costco Shop Cards

Credit Cards Accepted Online at Costco.com

The website also accepts most pin-operated debit cards and Costco Shop Cards.

What Credit Cards Does Costco Not Accept?

Costco Warehouses and gas stations do not currently accept cards from any network other than Visa. This means Costco Members shopping in-store cannot pay with American Express, Mastercard or Discover—nor any other non-Visa credit card.

Most debit cards are still accepted, so if you have a Mastercard debit card, you should be able to use it to make purchases.

Online at Costco.com, Costco Members can make purchases with a Mastercard credit card in addition to Visa credit cards. Discover is also accepted, as is Diners Club cards and JCB cards but no other major networks are accepted.

What To Do If Costco Doesn’t Accept Your Credit Card

If you’re a Costco Anywhere Visa® Card by Citi* cardholder, a Costco Anywhere Visa® Business Card by Citi* cardholder or you’re trying to pay with any other Visa card and your card is declined, call the number on the back of your card to determine the reason it was declined. Your card may be declined for myriad reasons, among them suspected fraud and reaching or exceeding a credit limit.

If you’re trying to make a purchase in-store with a non-Visa credit card, you don’t have many options beyond finding another payment method. At a Costco Warehouse, a number of other forms of payment are accepted:

  • Cash
  • Most pin-operated debit cards
  • Costco Shop Cards
  • Traveler’s Checks
  • Personal checks (from current Costco Members)
  • Business checks (from current Costco Business Members)
  • Electronic Benefit Transfer (EBT) Cards

Find The Best Credit Cards For 2022

No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Bottom Line

Costco accepts Visa credit cards in-store and at its gas stations but the only place to use a Mastercard or Discover card is online at Costco.com. Most debit cards are accepted at all three, but if you want to use your credit card, those are your options. If your Visa card isn’t working, we recommend talking to your card issuer, as the decline is likely unrelated to Costco’s systems. Costco Anywhere Visa by Citi earns rewards at Costco specifically and may be worth looking into if you’d like a credit card specifically for use at Costco.



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