Swipe Smart logo

Swipe Smart

Always pick the right card

Costco Online Rewards Guide

1 data point

Top Credit Card by Earning Rate at Costco Online

Bank of AmericaCustomized Cash Rewards
5.25% cash backWith Bonus Earning

Costco Online

USA

Online Shopping

Date

2025-04-22fromRedditReddit↗

Giftcard Purchased

No

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

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1k4wzbb/best_card_for_instacart_costco/mog0mn6/Read more

Quick Rewards Guide for Costco Online

💡 Top Performing Card: The community-verified best credit card for Costco Online 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 Online transactions most frequently code as "Online Shopping". 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 Online, 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 Online code as on credit cards?

Based on community data points, Costco Online transactions primarily code under the "Online Shopping" 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 Online?

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 Online. Any card offering 3% or more cash back (or 3x points) on "Online Shopping" purchases will also deliver excellent value.

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

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