Which credit card is best for Costco purchase?

Based on community data, the American Express Blue Cash Preferred is the best credit card for Costco, with verified data points showing an earning rate of 6% cash back.

Best credit card to use at Costco

To maximize rewards at Costco, use a card like the Blue Cash Preferred. Many users report it codes as Grocery, allowing you to earn top rewards.

Best Credit Cards for Costco: Category & Rewards Data Points

Posted at	Retailer	Card	Category	Amount	Rewards
2026-03-14	Costco Same-day App•Canada	American Express Gold Card	Grocery	$50.00	4X 200Membership Rewards Points
2026-03-11	Costco Same-day Web•USA	American Express Gold Card	Grocery	$30.00	4X 120Membership Rewards Points
2026-01-21	Costco In-Store•USA	U.S. Bank Shopper Cash Rewards Visa Signature	Wholesale clubs	$100.00	3% Cash Back (with bonus earning) 3USD
2026-01-16	Costco Web•USA	Capital One Venture X Rewards	Merchandise	$649.99	2X 1300Venture Miles
2026-01-02	Costco Web•USA•Costco shop cash Giftcard	Bank of America Customized Cash Rewards	Online Shopping	$100.00	5.25% Cash Back (with bonus earning) 5.25USD
2025-12-12	Costco In-Store•USA•Uber Giftcard	Bancorp PayPal Debit Card	Grocery	$79.99	5% Cash Back (with bonus earning) 4USD
2025-12-08	Costco Web•USA	Citi Shop Your Way Mastercard	Online PurchaseWholesale Club	$100.00	1% Cash Back 1000Shop Your Way Points
2025-12-06	Costco Same-day App•USA	American Express Gold Card	Grocery	$50.00	4X 200Membership Rewards Points
2025-12-03	Costco In-Store•USA	Chase Freedom Flex	Wholesale Clubs	$50.00	1X 50Ultimate Rewards Points
2025-10-15	Costco Web•USA•Costco Giftcard	Bank of America Customized Cash Rewards	Online Shopping	$300.00	5.25% Cash Back (with bonus earning) 15.75USD
2025-10-02	Costco Web•USA•Costco Giftcard	Bank of America Customized Cash Rewards	Online Shopping	$100.00	3% Cash Back (with bonus earning) 3USD
2025-09-24	Costco Web•USA•Uber Giftcard	Citi Shop Your Way Mastercard	Online Purchase	$100.00	1% Cash Back 1000Shop Your Way Points
2025-09-15	Costco Web•USA	Bancorp PayPal Debit Card	Grocery	$100.00	5% Cash Back 5USD
2025-09-15	Costco In-Store•USA	Bancorp PayPal Debit Card	Grocery	$100.00	5% Cash Back 5USD
2025-09-13	Costco Web•USA	Bancorp PayPal Debit Card	Groceries	$100.00	5% Cash Back (with bonus earning) 5USD
2025-09-13	Costco In-Store•USA	Bancorp PayPal Debit Card	Groceries	$100.00	5% Cash Back (with bonus earning) 5USD
2025-09-10	Costco In-Store•USA	Chase Marriott Bonvoy Boundless	Wholesale Clubs	$181.30	2X 362.6Marriott Bonvoy Points
2025-08-18	Costco In-Store•USA•DoorDash Giftcard	Chase Sapphire Preferred	Wholesale	$75.00	1X 75Ultimate Rewards Points
2025-08-16	Costco Travel Web•USA	Citi Shop Your Way Mastercard	Online ShoppingTravel	$500.00	1% Cash Back 5000Shop Your Way Points
2025-08-13	Costco.com Web•USA	Bank of America Customized Cash Rewards	Online Shopping	$100.00	5.25% Cash Back (with bonus earning) 5.25USD
2025-07-21	Costco In-Store•USA	Bancorp PayPal Debit Card	Groceries	$100.00	5% Cash Back (with bonus earning) 5USD
2025-07-21	Costco In-Store•USA	Citi Costco Anywhere Visa	Wholesale	$100.00	2% Cash Back 2USD
2025-07-21	Costco In-Store•USA	U.S. Bank Altitude Reserve Visa Infinite via Apple Pay	General	$100.00	3X (with bonus earning) 300Altitude Points
2025-07-15	Costco In-Store•USA	Chase Freedom Flex	Warehouse Clubs	$100.00	1X 100Ultimate Rewards Points
2025-04-22	Costco Online Web•USA	Bank of America Customized Cash Rewards	Online Shopping	$100.00	5.25% Cash Back (with bonus earning) 5.25USD
2025-04-22	Costco Same Day Web•USA	American Express Blue Cash Preferred	Grocery	$100.00	6% Cash Back 6USD
2025-04-22	Costco In-Store•USA	Citi Costco Anywhere Visa	Warehouse Club	$100.00	3% Cash Back 3USD
2025-04-11	Costco Same-Day Web•USA	Capital One Discover it Cash Back	Wholesale Clubs	$100.00	5% Cash Back (with bonus earning) 5USD
2025-04-11	Costco Web•USA•Uber Giftcard	Bank of America Customized Cash Rewards	Online Shopping	$100.00	3% Cash Back (with bonus earning) 3USD
2025-01-30	Costco.com Web•USA	Bank of America Customized Cash Rewards	Online Shopping	$50.00	3% Cash Back (with bonus earning) 1.5USD

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Costco Same-day

Canada

Grocery

Bank & Card

American Express Gold Card

Date

2026-03-14

Giftcard Purchased

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Membership Rewards Points

Costco Same-day

USA

Grocery

Bank & Card

American Express Gold Card

Date

2026-03-11

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costcosame-day.com

Reward Details

Amount

Earning Rate

30 USD4X

Rewards

120 Membership Rewards Points

Costco

USA

Wholesale clubs

Bank & Card

U.S. Bank Shopper Cash Rewards Visa Signature

Date

2026-01-21

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

https://www.apple.com/

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (with bonus earning)

Rewards

3 USD

Costco

USA

Merchandise

Bank & Card

Capital One Venture X Rewards

Date

2026-01-16

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

649.99 USD2X

Rewards

1300 Venture Miles

Costco

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

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

Costco

USA

Grocery

Bank & Card

Bancorp PayPal Debit Card

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

Costco

USA

Online PurchaseWholesale Club

Bank & Card

Citi Shop Your Way Mastercard

Date

2025-12-08

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

Costco Same-day

USA

Grocery

Bank & Card

American Express Gold Card

Date

2025-12-06

Giftcard Purchased

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Membership Rewards Points

Costco

USA

Wholesale Clubs

Bank & Card

Chase Freedom Flex

Date

2025-12-03

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD1X

Rewards

50 Ultimate Rewards Points

Costco

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

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

Costco

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

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

Costco

USA

Online Purchase

Bank & Card

Citi Shop Your Way Mastercard

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

Costco

USA

Grocery

Bank & Card

Bancorp PayPal Debit Card

Date

2025-09-15

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back

Rewards

5 USD

Costco

USA

Grocery

Bank & Card

Bancorp PayPal Debit Card

Date

2025-09-15

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back

Rewards

5 USD

Costco

USA

Groceries

Bank & Card

Bancorp PayPal Debit Card

Date

2025-09-13

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (with bonus earning)

Rewards

5 USD

Costco

USA

Groceries

Bank & Card

Bancorp PayPal Debit Card

Date

2025-09-13

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (with bonus earning)

Rewards

5 USD

Costco

USA

Wholesale Clubs

Bank & Card

Chase Marriott Bonvoy Boundless

Date

2025-09-10

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

181.3 USD2X

Rewards

362.6 Marriott Bonvoy Points

Costco

USA

Wholesale

Bank & Card

Chase Sapphire Preferred

Date

2025-08-18

Giftcard Purchased

DoorDash

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

75 USD1X

Rewards

75 Ultimate Rewards Points

Costco Travel

USA

Online ShoppingTravel

Bank & Card

Citi Shop Your Way Mastercard

Date

2025-08-16

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costcotravel.com

Reward Details

Amount

Earning Rate

500 USD1% Cash Back

Rewards

5000 Shop Your Way Points

Costco.com

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

Date

2025-08-13

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com/

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (with bonus earning)

Rewards

5.25 USD

Costco

USA

Groceries

Bank & Card

Bancorp PayPal Debit Card

Date

2025-07-21

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (with bonus earning)

Rewards

5 USD

Costco

USA

Wholesale

Bank & Card

Citi Costco Anywhere Visa

Date

2025-07-21

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD2% Cash Back

Rewards

2 USD

Costco

USA

General

Bank & Card

U.S. Bank Altitude Reserve Visa Infinite(Apple Pay)

Date

2025-07-21

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X (with bonus earning)

Rewards

300 Altitude Points

Costco

USA

Warehouse Clubs

Bank & Card

Chase Freedom Flex

Date

2025-07-15

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Costco Online

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

Date

2025-04-22

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD5.25% Cash Back (with bonus earning)

Rewards

5.25 USD

Costco Same Day

USA

Grocery

Bank & Card

American Express Blue Cash Preferred

Date

2025-04-22

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://sameday.costco.com

Reward Details

Amount

Earning Rate

100 USD6% Cash Back

Rewards

6 USD

Costco

USA

Warehouse Club

Bank & Card

Citi Costco Anywhere Visa

Date

2025-04-22

Giftcard Purchased

Purchase Type

🛒

In-Store Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Costco Same-Day

USA

Wholesale Clubs

Bank & Card

Capital One Discover it Cash Back

Date

2025-04-11

Giftcard Purchased

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (with bonus earning)

Rewards

5 USD

Costco

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

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

Costco.com

USA

Online Shopping

Bank & Card

Bank of America Customized Cash Rewards

Date

2025-01-30

Giftcard Purchased

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back (with bonus earning)

Rewards

1.5 USD

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