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
1.8%
Avg no-fee back
2%
Avg with-fee back
2%
Best rate available
$395
Avg with-fee cost/yr
Spend about $237,000/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
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 X
2x on everything (Visa — works at Costco)Capital One Miles$395/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
4 cards
#1
Chase Freedom Unlimited
No FeeCash Back
1.5x everything else
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#2
AAA Daily Advantage Visa Signature
No FeeCash Back
3% Wholesale Clubs (incl. Costco)
- 5% Grocery Stores
- 3% Gas Stations & EV Charging
- 3% Wholesale Clubs (incl. Costco)
- 3% Streaming Services
- 3% Pharmacies
- 3% AAA Purchases
- 1% All Other Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
#3
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).
#4
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) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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