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Costco Same Day Rewards Guide

2 data points

Top 2 Credit Cards by Earning Rate at Costco Same Day

Capital OneDiscover it Cash Back
5% cash backWith Bonus Earning
American ExpressGold Card
1X Membership Rewards points

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 Capital One Discover it Cash Back. Transactions on this card consistently earn 5% cash back (With Bonus Earning) by coding in the "Wholesale Clubs" category.

🔍 Merchant Category Coding (MCC): Costco Same Day transactions most frequently code as "Wholesale Clubs" (or sometimes "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 "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 Same Day?

The Capital One Discover it Cash Back is highly recommended, as it has been verified to earn 5% cash back (With Bonus Earning) on Costco Same Day. Any card offering 3% or more cash back (or 3x points) on "Wholesale Clubs" 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 "Wholesale Clubs" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.