What credit cards does Costco accept? – Forbes Advisor

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Costco was once known for not accepting credit cards at all, but times are changing and now Costco 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 (such as American Express) are currently accepted.

Find the best credit cards for 2022

No credit card is the best option for every family, every purchase or every budget. We have selected the best credit cards so as to be the most useful for the greatest number of readers.

What credit cards does Costco accept?

Costco accepts Visa cards in-store at Costco warehouses and at Costco gas stations in the United States. Online at Costco.com, Visa is also accepted, as are 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 besides credit cards:

  • Cash
  • Most PIN 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 debit cards
  • Costco Shop Cards

Credit cards accepted online at Costco.com

The website also accepts most PIN code 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 that Costco members shopping in-store cannot pay with American Express, Mastercard or Discover, or any other credit card other than Visa.

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 are Diners Club and JCB cards, but no other major networks are accepted.

What to do if Costco doesn’t accept your credit card

If you are a Citi Costco Anywhere Visa® Card* cardholder, a Costco Anywhere Visa® Business card from Citi* cardholder or if you are trying to pay with another Visa card and your card is declined, call the number on the back of your card to determine why it was declined. Your card can be declined for a myriad of reasons, including 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 but to find another payment method. At a Costco warehouse, a number of other payment methods are accepted:

  • Cash
  • Most PIN 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 credit card is the best option for every family, every purchase or every budget. We have selected the best credit cards so as to be the most useful for the greatest number of readers.

Conclusion

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 in all three, but if you want to use your credit card, those are your options. If your Visa card is not working, we recommend contacting your card issuer, as the decline is likely not related to Costco’s systems. Costco Anywhere Visa by Citi earns rewards at Costco specifically and may be worth considering if you want a credit card specifically for use at Costco.

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