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Costco is known for its good deals and bulk quantities on just about everything, but the payment methods they accept are decidedly less straightforward. Currently, Costco only accepts payment from one credit card network: Mastercard. They also accept debit, cash and Costco Shop Cards—which is a gift card to Costco. So, if you only have a year’s supply of toilet paper in your cart and are planning on swiping your Visa or Amex to pay for it, you’re out of luck. That said, there are different rules for payment at the Costco warehouse, Costco.ca and at Costco gas stations.
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What Credit Cards Does Costco Accept?
Costco accepts Mastercard in store at Costco Warehouses and at Costco Gas Stations. Online at Costco.ca, Visa is also accepted, as is Mastercard. Costco also has two branded credit cards that can be used in-store: The CIBC Costco Mastercard and the CIBC Costco World Mastercard.
Credit Cards Accepted at Costco Warehouses
Costco Warehouses accept a number of other payment methods aside from credit cards:
- Cash
- Debit cards
- Costco Shop Cards
Mobile payments using an eligible payment method above are also accepted.
Credit Cards Accepted at Costco Gas Stations
- Mastercard
Costco Warehouses also accept a few other payment methods:
- Debit cards
- Costco Shop Cards
Credit Cards Accepted Online at Costco.ca
- Visa
- Mastercard
The website also accepts Costco Shop Cards and some debit cards.
What Credit Cards Does Costco Not Accept?
Costco Warehouses and gas stations do not currently accept cards from any network other than Mastercard. This means Costco Members shopping in-store cannot pay with American Express or Visa.
Most debit cards are still accepted, so if you have a Visa debit or Mastercard debit, you should be able to use either to make purchases.
Online at Costco.ca, Costco Members can make purchases with a Mastercard credit card in addition to Visa credit cards.
What To Do If Costco Doesn’t Accept Your Credit Card
If you’re trying to make a purchase in-store with a non-Mastercard credit card, you don’t have many options beyond finding another payment method. At a Costco Warehouse, a number of other forms of payment are accepted:
- Cash
- Most PIN-operated debit cards
- Costco Shop Cards
Bottom Line
Costco accepts Mastercard credit cards in-store and at its gas stations but the only place to use a Visa is online at Costco.ca. Most debit cards are accepted at all three, but if you want to use your credit card, those are your options.
Featured Partner Offers
1
Neo Mastercard®
Welcome bonus
Up to 15% cashback on first-time purchases
Annual Fee
$0
Regular APR (Purchases) / Regular APR (Cash Advances)
19.99% – 29.99% / 22.99% – 31.99%
2
BMO CashBack® World Elite®* Mastercard®*
Welcome Bonus
Up to 10% cash back*
Annual Fee
$120 (waived in the first year)
Regular APR (Purchases) / Regular APR (Cash Advances)
20.99% / 23.99%