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Costco Rewards Guide

📊22 community entries

💳 Top 5 Credit Cards by Earning Rate at Costco

Bank of AmericaCustomized Cash Rewards
5.25% cash backWith Bonus Earning
U.S. BankShopper Cash Rewards Visa Signature
3% cash backWith Bonus Earning
U.S. BankAltitude Reserve Visa Infinite
3X pointsWith Bonus Earning
Capital OneVenture X Rewards
2X miles
ChaseMarriott Bonvoy Boundless
2X Ultimate Rewards points
Wholesale clubs

Date

2026-01-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.apple.com/

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Merchandise

Date

2026-01-16

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

649.99 USD2X

Rewards

1300 Venture Miles

Online Shopping

Date

2026-01-02

Giftcard Purchased

Costco shop cash

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (With Bonus Earning)

Rewards

5.25 USD

Grocery

Date

2025-12-12

Giftcard Purchased

Uber

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

79.99 USD5% Cash Back (With Bonus Earning)

Rewards

4 USD

Online PurchaseWholesale Club

Date

2025-12-08

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

Wholesale Clubs

Date

2025-12-03

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD1X

Rewards

50 Ultimate Rewards Points

Online Shopping

Date

2025-10-15

Giftcard Purchased

Costco

Purchase Type

🌐

Online Purchase

https://www.costco.com/costco-shop-card

Reward Details

Amount

Earning Rate

300 USD5.25% Cash Back (With Bonus Earning)

Rewards

15.75 USD

Online Shopping

Date

2025-10-02

Giftcard Purchased

Costco

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Online Purchase

Date

2025-09-24

Giftcard Purchased

Uber

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

Grocery

Date

2025-09-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back

Rewards

5 USD

Grocery

Date

2025-09-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back

Rewards

5 USD

Groceries

Date

2025-09-13

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Groceries

Date

2025-09-13

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Wholesale Clubs

Date

2025-09-10

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

181.3 USD2X

Rewards

362.6 Marriott Bonvoy Points

Wholesale

Date

2025-08-18

Giftcard Purchased

DoorDash

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

75 USD1X

Rewards

75 Ultimate Rewards Points

Groceries

Date

2025-07-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Wholesale

Date

2025-07-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD2% Cash Back

Rewards

2 USD

General

Date

2025-07-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X (With Bonus Earning)

Rewards

300 Altitude Points

Warehouse Clubs

Date

2025-07-15

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Warehouse Club

Date

2025-04-22

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Online Shopping

Date

2025-04-11

Giftcard Purchased

Uber

Purchase Type

🌐

Online Purchase

www.costco.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Wholesale Clubs

Date

2024-11-20

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD2% Cash Back (With Bonus Earning)

Rewards

2 USD


Quick Rewards Guide for Costco

💡 Top Performing Card: The community-verified best credit card for Costco purchases is the Bank of America Customized Cash Rewards. Transactions on this card consistently earn 5.25% cash back (With Bonus Earning) by coding in the "Online Shopping" category.

🔍 Merchant Category Coding (MCC): Costco transactions most frequently code as "wholesale clubs" (or sometimes "Merchandise / Online Shopping / Grocery / Online Purchase, Wholesale Club / Wholesale Clubs / Online Purchase / Groceries / Wholesale / General / Warehouse Clubs / Warehouse Club"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Costco, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Costco code as on credit cards?

Based on community data points, Costco transactions primarily code under the "wholesale clubs" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Costco?

The Bank of America Customized Cash Rewards is highly recommended, as it has been verified to earn 5.25% cash back (With Bonus Earning) on Costco. Any card offering 3% or more cash back (or 3x points) on "wholesale clubs" purchases will also deliver excellent value.

Q:Does Costco code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Costco usually codes as "wholesale clubs" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.