Costco is all about finding ways to save. Whether it’s on luxury finds, decorations for the home, appliances, or everyday groceries, Costco has an abundance of high-quality goods at affordable prices. But did you know that you could save even more depending on how you pay? That’s right.
Let’s dive into some of the best credit cards for Costco and learn how you can save even more when shopping at the wholesale store.
Related: Does Costco Accept Mastercard for Payment?
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5. U.S. Bank Shopper Cash Rewards Visa Signature Card
First on the list of the best credit cards for Costco is the U.S. Bank Shopper Cash Rewards Visa card, which has a $0 annual fee for the first year and then $95 for the following years.
The reason this is one of the best is that not many cards offer rewards at wholesale stores, but this one thankfully does. If you select the “wholesale clubs” category, you can earn 3% cashback up to a $1,500 quarterly cap on one everyday category. After hitting that cap, you’ll earn an unlimited 1.5%.
4. Bank of America Customized Cash Rewards Card
Next on the list of best credit cards for Costco is the Bank of America Customized Cash Rewards card, which has a $0 annual fee.
When purchasing at Costco, shoppers will automatically get 2% cashback on spending at wholesale clubs until they hit the quarterly spending cap, which is $2,500. That’s also in addition to having a choice of your 3% rewards category, which includes gas, online shopping, travel, home improvement, and more.
Also Read: Does Costco Take Discover?
3. Chase Freedom Unlimited Card
Another card that offers a $0 annual fee and is considered one of the best credit cards for Costco is the Chase Freedom Unlimited. With this card, you have the chance to earn $200 after you spend $500 on purchases in the first three months from opening the account.
Along with that, shoppers get 1.5% rewards on purchases at Costco, but can potentially turn those points into more value if shoppers have the Chase Sapphire Preferred Card or the Chase Sapphire Reserve card.
Check Out: Does Costco Take American Express?
2. Wells Fargo Active Cash Card
The Wells Fargo Active Cash card is another great option when shopping at Costco, as you’ll earn the same bonus rewards as you would with Costco’s own credit card.
Not only that, but the annual fee is $0, and you’ll have the opportunity to earn $200 after spending $500 in the first three months, similar to the Chase Freedom Unlimited card.
1. Costco Anywhere Visa Card by Citi
The final but overall best credit card for Costco goes to the Costco Anywhere Visa Card by Citi. If you’re a dedicated Costco shopper, this is your best bet when shopping at the wholesale store.
Thankfully, there is no annual fee since you already pay for a Costco membership. And the rewards are plentiful, with 5% cashback on gas at Costco, 4% cashback on gas and electric vehicle charging, 3% cashback on restaurants and most travel purchases, 2% cashback at Costco and Costco.com, and 1% cashback on all other purchases.
The only downside is that you receive these rewards at the end of the year in the form of a certificate, which is redeemed for cash or merchandise at Costco.
Read More: Does Costco Take Apple Pay?
Don’t forget to keep checking back here at Costco97 for information on the best deals and hidden sales like .97 discounts. We talk about the best Costco bargains, secret hacks, and everything there is to know about the wholesaler and being a part of its membership. And be sure to stay in touch with the upcoming coupons listed in our Costco Coupon Book (updated monthly).