10 Best Credit Cards for Costco of October 2026
Top picks for Costco from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Costco. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card earns the top spot for Costco purchases at 4.4¢ per dollar on all other — a $495 annual fee. We ranked every card in our database against Costco purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Bilt Palladium Card
Cardless
- +50,000 points bonus (~$1,100.00 value)
- +Est. $300/yr in usable credits offset part of the $495 fee — actual value depends on use and eligibility
Costco Anywhere Visa Card by Citi
Citi
- +Official cobrand card — earns rewards on all purchases
- +2% cash back on Costco
- +No annual fee
Capital One Venture Rewards Credit Card
Capital One
- +75,000 miles bonus (~$975 value)
- +Up to 1.4¢/pt via British Airways Club
- +Est. $15/yr in usable credits offset part of the $95 fee — actual value depends on use and eligibility
Why Bilt Palladium Card wins for Costco
Bilt Palladium Card earns 4.4¢ per dollar on all other when you shop at Costco, the highest marginal rate in our list for this brand. At 4.4¢ per dollar, rewards cover the $495 fee after about $11,250 a year in Costco spending. To come out ahead of Costco Anywhere Visa Card by Citi (2.0¢), you'd need about $20,620 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Wholesale Clubs Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 2% cash back | 2.0¢/$ | $0 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | $15 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | $315 | visa |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $465 | mastercard |
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $1,063 | visa |
| Synchrony Premier World Mastercard®Synchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTD Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
More Options
How to maximize value at Costco
- Use Bilt Palladium Card for Costco purchases — it earns 4.4¢ per dollar on all other at Costco in our scoring.
- Shopping portals sometimes offer extra rewards at Costco; check current portal rates before you buy.
- Pair Bilt Palladium Card with Costco Anywhere Visa Card by Citi to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Costco purchase around your card's welcome offer window — Bilt Palladium Card's sign-up bonus is worth roughly $1100 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Food, Beverages & Tobacco where the top picks above also earn well.
Other categories Costco sits in
Frequently asked
- What credit cards does Costco accept?
- Costco accepts Visa credit cards. Costco accepts Mastercard on Costco.com only — U.S. warehouses and Costco gas stations take Visa credit cards
- What credit card earns the most at Costco?
- Bilt Palladium Card ranks #1 for Costco in our list at 4.4¢ per dollar on all other (including Costco) — $495 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Does Costco have a co-branded credit card?
- Yes — Costco Anywhere Visa Card by Citi is Costco's co-branded card. See our Costco Anywhere Visa Card by Citi page for earn rates and fees.
- Can I stack a shopping portal with my credit card at Costco?
- Shopping portals sometimes offer extra rewards at Costco; check current portal rates before you buy.
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