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
2 cards
#1
Capital One Venture X
Transferable Points
10x Hotels & Car Rentals via C1
- 10x Hotels & Car Rentals via C1
- 5x Flights via C1
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#2
Capital One Venture Rewards
Transferable Points
5x Flights via C1 Travel
- 5x Flights via C1 Travel
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
Not sure which one fits you?
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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.