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Costco Same-day Rewards Guide

6 data points

Top 3 Credit Cards by Earning Rate at Costco Same-day

American ExpressBlue Cash Preferred
6% cash back
DiscoverDiscover it Cash Back
5% cash backWith Bonus Earning
American ExpressGold Card
4X Membership Rewards points

Costco Same-day

Canada

Grocery

Date

2026-03-14fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Membership Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/amex/comments/1pfxj5u/comment/nsn4b5b/Read more

Costco Same-day

USA

Grocery

Date

2026-03-11

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.costcosame-day.com

Reward Details

Amount

Earning Rate

30 USD4X

Rewards

120 Membership Rewards Points

Additional Notes

Coded as instacart

Costco Same-day

USA

Grocery

Date

2025-12-06fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD4X

Rewards

200 Membership Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/amex/comments/1pfxj5u/comment/nsn2bew/Read more

Costco Same Day

USA

Grocery

Date

2025-04-22fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://sameday.costco.com

Reward Details

Amount

Earning Rate

100 USD6% Cash Back

Rewards

6 USD

Additional Notes

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

Costco Same-Day

USA

Wholesale Clubs

Date

2025-04-11fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Additional Notes

Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/payments-workshop/Read more

Costco Same-Day

USA

Other

Date

2025-01-02fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://sameday.costco.com/

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Membership Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/amex/comments/1hrz48u/comment/m5djm9p/Read more

Quick Rewards Guide for Costco Same-day

💡 Top Performing Card: The community-verified best credit card for Costco Same-day purchases is the American Express Blue Cash Preferred. Transactions on this card consistently earn 6% cash back by coding in the "Grocery" category.

🔍 Merchant Category Coding (MCC): Costco Same-day transactions most frequently code as "Grocery" (or sometimes "Wholesale Clubs / Other"). 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 Same-day, 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 Same-day code as on credit cards?

Based on community data points, Costco Same-day transactions primarily code under the "Grocery" 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 Same-day?

The American Express Blue Cash Preferred is highly recommended, as it has been verified to earn 6% cash back on Costco Same-day. Any card offering 3% or more cash back (or 3x points) on "Grocery" purchases will also deliver excellent value.

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

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