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Costcocom Rewards Guide

2 data points

Top Credit Card by Earning Rate at Costcocom

Bank of AmericaCustomized Cash Rewards
5.25% cash backWith Bonus Earning

Costco.com

USA

Online Shopping

Date

2025-08-13

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

Costco.com

USA

Online Shopping

Date

2025-01-30fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back (With Bonus Earning)

Rewards

1.5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1ic2vy7/Read more

Quick Rewards Guide for Costcocom

💡 Top Performing Card: The community-verified best credit card for Costcocom 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): Costcocom 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 Costcocom, 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 Costcocom code as on credit cards?

Based on community data points, Costcocom 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 Costcocom?

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

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

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