1
Best no-fee pick
Costco Anywhere Visa by Citi
2x on Costco purchases year-round — requires an active Costco membership (Gold Star $65/yr or Executive $130/yr)Cash Back
Best Credit Cards for Costco
Costco only accepts Visa cards. These are the best Visa options ranked by earn rate at Costco.
Costco only accepts Visa — Mastercard, AmEx & Discover are not accepted at the register
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Wells Fargo Active Cash
2x on everything — no category restrictionsCash Back
3
Also good
Chase Freedom Unlimited
1.5x catch-allUltimate Rewards
Top picks — with annual fee
Pays for itself if used right1
Best overall
Capital One Venture XorCapital One Venture
2x on everything (Visa — works at Costco)Capital One Miles2x on everything (Visa — works at Costco)Capital One MilesCapital One Venture X: $395/yr · Capital One Venture: $95/yr
Honorable mentions
Annual fee
Reward type
3 cards
#1
Chase Freedom Unlimited
No FeeCash Back
5x Travel via Chase
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#2
Costco Anywhere Visa
No FeeCash Back
4x Gas (5x Costco Gas)
- 4x Gas (5x Costco Gas)
- 4x EV Charging
- 3x Restaurants
- 3x Travel
- 2x Costco
- 1x everything else
Click to see redemption options
Requires an active Costco membership to hold this card — Gold Star ($65/yr) or Executive ($130/yr).
#3
Navy Federal cashRewards Plus Visa
No FeeCash Back
2x on all purchases
Click to see redemption options
$250 after $2,500 in 90 days
Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.