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Verified Category & Rewards Summary

6 Data Points

What Category Does Costco Code As on Bank of America Customized Cash Rewards?

Costco most commonly codes as Online Shopping5 of 6 reports (83%)

Across 6 verified community data points, Costco (USA) purchases on the Bank of America Customized Cash Rewards most frequently code as Online Shopping (83% of reports), earning up to 5.25% Cash Back (With Bonus Earning) USD. Other reported categories include Wholesale Clubs (1 report).

Most Reported Category

Online Shopping

83% (5/6 reports)

Earning Rate

5.25% Cash Back (With Bonus Earning)

USD

Community Reports

6 Reports

Online, In-store

Last Verified

2026-01-02

Via Card

Reported Category Breakdown

Online Shopping5 DPs (83%) · 5.25% cash back
Wholesale Clubs1 DP (17%) · 2% cash back

Verified Community Submissions (6)

Sorted newest first
Online Shopping5.25% Cash Back (With Bonus Earning)Bonus: Yes
Verified 2026-01-02·from Reddit ↗
Purchase TypeOnline (USA)
Paid ThroughCard
Amount & Rewards$100.00 → 5.25 USD
Gift Card / ReloadCostco shop cash
Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1q2g2m3/comment/nxcv7o7/
Online Shopping5.25% Cash Back (With Bonus Earning)Bonus: Yes
Verified 2025-10-15
Purchase TypeOnline (USA)
Paid ThroughCard
Amount & Rewards$300.00 → 15.75 USD
Gift Card / ReloadCostco
Website:https://www.costco.com/costco-shop-card
Online Shopping3% Cash Back (With Bonus Earning)Bonus: Yes
Verified 2025-10-02
Purchase TypeOnline (USA)
Paid ThroughCard
Amount & Rewards$100.00 → 3 USD
Gift Card / ReloadCostco
Website:https://www.costco.com
Online Shopping3% Cash Back (With Bonus Earning)Bonus: Yes
Verified 2025-04-11·from Doctor of Credit ↗
Purchase TypeOnline (USA)
Paid ThroughCard
Amount & Rewards$100.00 → 3 USD
Gift Card / ReloadUber
Website:www.costco.com
Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/payments-workshop/
Wholesale Clubs2% Cash Back (With Bonus Earning)Bonus: Yes
Verified 2024-11-20
Purchase TypeIn-store (USA)
Paid ThroughCard
Amount & Rewards$100.00 → 2 USD
Gift Card / ReloadNo
Confirmed in Cards and Points - https://www.cardsandpoints.com/bofa-customized-cash-data-points/
Online Shopping1% Cash BackBonus: false
Verified 2024-09-16·from Doctor of Credit ↗
Purchase TypeOnline (USA)
Paid ThroughCard
Amount & Rewards$100.00 → 1 USD
Gift Card / ReloadGift Card
Website:https://www.costco.com
Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/which-online-retailers-earn-3x-with-bank-of-america-cash-rewards/#comment-1913025 - Sharing some data points –Fandango (Movie ticket purchase) – CountedPorkbun (domain registrar) – CountedESPN Plus – CountedStacksocial – CountedCostco.com – CountedStartEngine – CountedRaise (formerly Slide – Gift Card Purchase) – CountedBanana Republic Factory (Online Purchase) – CountedBouqs.com – CountedWalmart Pay (In store, supercenter) – Did Not Count (Counted as Groceries)

❓ Frequently Asked Questions

What category does Costco code as on Bank of America Customized Cash Rewards?▼

Based on 6 verified community data points (83% reporting Online Shopping), Costco online purchases code as Online Shopping on the Bank of America Customized Cash Rewards.

How many points or cash back do you earn at Costco with Bank of America Customized Cash Rewards?▼

You earn 5.25% Cash Back (With Bonus Earning) on Costco purchases with the Bank of America Customized Cash Rewards, as it codes as Online Shopping.

Does Costco code consistently as Online Shopping?▼

Community reports indicate varying categories depending on purchase method or merchant terminal:

  • Online Shopping: 83% (5 reports) — earns 5.25% cash back
  • Wholesale Clubs: 17% (1 report) — earns 2% cash back
See all credit cards tested at Costco →See all stores tested on Bank of America Customized Cash Rewards →