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Top Credit Cards for Costco Shoppers

The right card in your wallet could save you $100s a year, so you can get more from your Costco trips.
Last updated Nov. 17, 2022 | By Greg Van Horn

If you love shopping at Costco, then these credit cards are perfect for you. You can make the most of your Costco trips by choosing a credit card with exceptional cash back rewards. That means you could keep more money in your wallet for even more of your favorite Costco products.

Wells Fargo Active Cash® Card

When it comes to rewards credit cards, sorting through the hundreds of options can be overwhelming. And if you’re new to credit cards, the idea of juggling multiple cards or monitoring ever-changing spending categories can be downright stressful.

That’s why the Wells Fargo Active Cash® Card Rates and Fees is such a smart choice. You can earn unlimited 2% cash rewards on purchases  — easy! That's one of the best cash rewards options available. 

Plus, new cardholders can get a one-time cash rewards bonus$200 cash rewards bonus after spending $1,000 in the first 3 months. Use your card just for essentials at the gas station or grocery stores, and you can easily meet the spending requirement.

The best part? There's no annual fee.

Click here to apply now

Bank of America® Customized Cash Rewards credit card

You can really maximize your earning potential when you're able to choose your top cashback rewards category. This can truly be a fantastic credit card for anyone, especially Costco lovers!

With the Bank of America® Customized Cash Rewards credit card, you can automatically receive 3% cash back on the category of your choice; 2% cash back at grocery stores and wholesale clubs (on the first $2,500 spent each quarter in the 2% and 3% categories combined); and 1% cash back on all other purchases. So, you get the power and flexibility to customize your card and maximize your rewards according to how you shop. 

Plus, new cardholders also can get one-time cash bonus — earn a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. That's more money in your wallet for your favorite Costco products.

This card also offers a 0% intro APR for 18 billing cycles for any qualifying balance transfers made in the first 60 days (transfer fee $10 or 3%, whichever is greater). After the intro period, the APR is 16.99% - 26.99% variable.

You can enjoy all these benefits, plus no annual fee.

Click here to apply for the Bank of America® Customized Cash Rewards credit card now.

Costco Anywhere Visa® Card by Citi

If you're a true Costco fanatic, then the Costco Anywhere Visa® Card by Citi has your name on it. You can easily earn fantastic rewards on everyday purchases and Costco trips.

You'll love the cashback rewards this card offers. You can receive 4% cash back on eligible gas and EV charging purchases (up to $7,000), 3% on restaurant and travel purchases, 2% on all other Costco purchases, and 1% on everything else.

On top of earning amazing rewards when you shop at Costco, you can earn valuable rewards on gas, restaurants, and travel purchases. You can even gain access to exclusive experiences, ticket presales, and thousands of events from Citi Entertainment. If you're a Costco and entertainment enthusiast, this card is perfect for your lifestyle.

There are some important things to note for this credit card. First, you must already be a Costco member to enjoy the benefits of this credit card. Second, the cash back can only be redeemed once a year. But with such a high cashback rate and exclusive rewards, it's worth the wait.

One of the best parts about this card? There's no annual fee.

Annual Fee: $0

Learn how to apply for the Costco Anywhere Visa® Card by Citi now.

Lucrative, Flat-Rate Cash Rewards

Current Offer

$200 cash rewards bonus after spending $1,000 in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks

Benefits

  • $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • Intro APR on purchases and balance transfers
  • $0 annual fee

Drawbacks

  • Has foreign transaction fee
  • No bonus categories
Card Details
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 18.74%, 23.74%, or 28.74% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select "Apply Now" to learn more about the product features, terms and conditions

Author Details

Greg Van Horn Greg Van Horn is the founder and CEO of FinanceBuzz. A serial technology entrepreneur, he has built and scaled over a dozen multiple-million dollar digital companies in the last 15 years.