The best credit card for Costco
At Costco, Capital One Venture Rewards earns the most: $3.60 per $100.
Costco rings up as wholesale clubs — US warehouses take Visa only, and it rarely earns a grocery bonus. It takes only Visa cards, so a card on another network is shown last whatever it earns.
The short version
- Use: Capital One Venture Rewards, if you carry it.
- Why Costco has its own page: at least one card pays a bonus that names this store, which a ranking of the whole category cannot show.
- Elsewhere in wholesale clubs: Blue Business Plus leads — the full ranking.
| # | Card | EarnsThe rate the card advertises here, in its own currency: cash back, points or miles. | per $100What $100 of spending earns, in dollars: the rate multiplied by what the currency is worth. This is what the table is ranked by. |
|---|---|---|---|
| 1 |
Capital One, $95/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 2 |
Capital One, $395/yr
Base rate — no bonus applies here |
2x | $3.60 |
| 3 |
Robinhood, $50/yr
Base rate — no bonus applies here |
3% | $3.00 |
| 4 |
Capital One, No annual fee
Base rate — no bonus applies here |
1.3x | $2.25 |
| 5 |
Wells Fargo, No annual fee
Base rate — no bonus applies here |
2% | $2.00 |
| 6 |
U.S. Bank, No annual fee
Base rate — no bonus applies here |
2% | $2.00 |
| 7 |
Citi, No annual fee
Costco warehouse and Costco.com |
2% | $2.00 |
| 8 |
Citi, No annual fee
Costco warehouse and Costco.com |
2% | $2.00 |
No rotating categories switched on, and no travel-portal rates — the method.
Cards with a rate that names Costco
- Citi Costco Anywhere Visa — 2% at Costco. Costco warehouse and Costco.com
- Citi Costco Anywhere Visa Business — 2% at Costco. Costco warehouse and Costco.com
Before you pay
A shopping portal and a card-linked offer can both pay on top of whichever card you use here — and the portal has to be started before you shop. How the three stack, and in what order.