Best Credit Card for Costco
Groceries · Updated April 2026
Costco only accepts Visa — make sure your rewards card works. Best cards offer 2-4% on wholesale club purchases.
Pro Tips
- •Costco only accepts Visa credit cards in-store
- •Citi Costco Anywhere Visa earns 2% at Costco + 4% gas
- •Costco.com accepts Mastercard and other networks online
Top Cards for Costco
#1
Hilton Honors American Express Surpass Card
American Express · $150/yr · Supermarkets
6x
Apply ~$432/yr
Your Costco Spending Scenario
How much do you spend at Costco per month? We'll show your annual rewards with each card.
$
$6,000/yr| Card | Rate | Annual Rewards | Fee | Net Value |
|---|---|---|---|---|
 Hilton Honors American Express CardBest | 5x | +$360 | Free | +$360 |
 Hilton Honors American Express Surpass Card | 6x | +$432 | -$150 | +$282 |
 Blue Cash Preferred from Amex | 6% | +$360 | -$95 | +$265 |
 Capital One SavorOne | 3% | +$180 | Free | +$180 |
 Blue Cash Everyday Card from American Express | 3% | +$180 | Free | +$180 |
Based on $6,000/yr at Costco. Actual rewards may vary.
Full calculator