Credit Cards, Insights

What Credit Cards Does Costco Accept? The Ultimate Guide

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If I whisper the name Costco to you and your knees get weaker you are in the right place.

Do the words membership card & bulk offer make you mouth water just a little?

If you've started daydreaming about the moment you glide through the doors of your local Costco and into the warmth of a million offers, welcome, kick your shoes off, you’re about to learn some Costco knowledge gems.

We’re going to fly through the credit cards that Costco accepts and some of the other payment methods you can use for your Costco goodies.

What Credit Cards Does Costco Accept Table of Contents

Do All Costco Locations & Stores Accept the Same Payment Methods

What Credit Cards Does Costco Accept?

What Payment Methods are Accepted at Costco Warehouses?

What Payment Methods are Accepted on Costco.com?

What Payment Methods are Accepted at Costco Gas Stations?

Can I Use Apple Pay at Costco Stores?

Can I Use Google Pay at Costco Warehouses?

Can I Use a Visa Credit Card at a Costco Warehouse?

Can I Use a Mastercard Credit Card at a Costco Warehouse?

Do Any Costco Locations Not Accept American Express?

What If I Only Have a Discover Card?

What About EBT Cards?

Do All Costco Stores & Locations Take Cash?

Is There Any Way to Shop at Costco Without a Membership?

Does Costco Issue Their Own Credit Card?

Do All Costco Locations & Stores Accept the Same Payment Methods

So, it’s probably easier if we breakdown Costco locations and stores into three different groups:

Costco Warehouse Locations

The mecca of shopping, Costco warehouses accept everything from credit cards, Costco shop card, cash and even traveler’s checks.

Costco Gas Stations

Cotsco’s branded gas stations that are usually semi-attached to Costco stores.

Costco.com

Costco’s online website that allows you to get same-day and next day delivery on thousands of things. As you can probably guess costco.com doesn’t accept cash!

What Credit Cards Does Costco Accept?

You can use virtually all credit cards at Costco. As long as your credit card runs on the Visa, Mastercard, American Express or Discover payment networks, you can use it at Costco.

You can double check what type of credit card you have by looking at the payment network logo on the front or the back of your credit card.

If you don’t have any of the above credit cards, don’t worry! You can still use your debit card or prepaid card as long as it has a Visa,

What Payment Methods are Accepted at Costco Warehouses?

Costco warehouses accept everything from credit cards, Costco shop card, cash and even traveler’s checks.

You can use virtually all credit cards at Costco. As long as your credit card runs on the Visa, Mastercard, American Express or Discover payment networks, you can use it at Costco.

Here is a list of the payment methods that you can use at a Costco Warehouse:

  • Most chip & pin debit and pre-paid cards
  • All Visa credit cards
  • Mastercard credit cards
  • Cash
  • Personal & business checks
  • EBT Cards
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Costco Shop Card

What Payment Methods are Accepted on Costco.com?

If you shop online you're probably thinking o using Costco.com to save you a trip to one of their warehouses.

  • Costco.com accepts the following payment methods:
  • Credit cards - Visa, Mastercard, American Express and Discover
  • Debit cards - Visa and Mastercard
  • Apple Pay
  • Google Pay
  • PayPal

What Payment Methods are Accepted at Costco Gas Stations?

Cotsco’s branded gas stations near to Costco stores and accept the following payment methods:

  • All major credit cards - Visa, Mastercard, American Express and Discover
  • Cash
  • EBT Cards
  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Costco Shop Cards

Can I Use Apple Pay at Costco Stores?

Yes! You can use Apple Pay at all Costco locations that accept credit cards.

Can I Use Google Pay at Costco Warehouses?

Yes, you can use Google Pay at all Costco locations that accept credit cards.

How About Samsung Pay?

Just like Apple & Google Pay, you can use Samsung Pay at any Costco location that accepts credit cards.

Can I Use a Visa Credit Card at a Costco Warehouse? 

Yes! You can use a Visa credit card at all Costco locations.

Can I Use a Mastercard Credit Card at a Costco Warehouse?

Yes, you can use Mastercard at all Costco locations.

Do Any Costco Locations Not Accept American Express?

No, all Costco locations accept American Express.

What If I Only Have a Discover Card?

No problem! You can use your Discover card at all Costco locations.

What About EBT Cards?

EBT cards are accepted at all Costco locations.

Do All Costco Stores & Locations Take Cash?

Yes, cash is accepted at all Costco locations.

Is There Any Way to Shop at Costco Without a Membership?

The only way to shop at Costco without a membership is by using someone else’s membership or by using a Costco Cash Card.

Does Costco Issue Their Own Credit Card?

No, Costco does not issue their own branded credit card. The only store specific card that they offer is their membership card which allows you to shop at any Costco location or shop online at costco.com.

If you want to earn cash back on your purchases we recommend using a cash back credit card like the Citi Double Cash Card which earns you 2% cash back on every purchase - 1% when youNo, all Costco locations accept American Express credit cards. 

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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