10 Best Credit Cards for Costco Travel of October 2026
Top picks for Costco Travel 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 Travel. Order can differ from that column because ranking adds the adjustments above.
Bilt Palladium Card earns the top spot for Costco Travel purchases at 4.0¢ per dollar on all other — a $495 annual fee. We ranked every card in our database against Costco Travel 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
- +Est. $200/yr value — $400 Bilt Travel Hotel credit
- +Priority Pass Airport Lounge Access
- +MasterRental Coverage
Capital One Venture X Rewards Credit Card
Capital One
- +Est. $240/yr value — $300 Annual Capital One Travel Credit
- +Primary Auto Rental Collision Damage Waiver
- +Capital One Lounge Access
Citi Strata Elite℠ Card
Citi
- +Citigold® Private Client Relationship Credit: Requires a qualifying Citigold Private Client banking relationship; eligibility has not been established and this credit is not counted.
- +Priority Pass™ Select membership
- +Est. $150/yr value — Up to $300 Annual Hotel Benefit
Why Bilt Palladium Card wins for Costco Travel
Bilt Palladium Card earns 4.0¢ per dollar on all other when you shop at Costco Travel, the highest marginal rate in our list for this brand. At 4.0¢ per dollar, rewards cover the $495 fee after about $12,380 a year in Costco Travel spending. To come out ahead of Fidelity Rewards Visa Signature Card (2.0¢), you'd need about $24,750 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Wholesale Clubs Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | $100 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $395 | — | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $300 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | — | mastercard |
| IHG One Rewards Premier Credit CardChase | 3x IHG One Rewards | 1.8¢/$ | $150 | — | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | — | visa |
| SoFi Unlimited 2%SoFi | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Bank of America Premium Rewards Credit CardBank of America | 1.5x Bank of America Points | 1.5¢/$ | $95 | $50 | visa |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards | 1.8¢/$ | $795 | $588 | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
More Options
How to maximize value at Costco Travel
- Use Bilt Palladium Card for Costco Travel purchases — it earns 4.0¢ per dollar on all other at Costco Travel in our scoring.
- Shopping portals sometimes offer extra rewards at Costco Travel; check current portal rates before you buy.
- Pair Bilt Palladium Card with Capital One Venture X Rewards Credit Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Costco Travel purchase around your card's welcome offer window — Bilt Palladium Card's sign-up bonus is worth roughly $1000 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 Shopping where the top picks above also earn well.
Frequently asked
- What credit card earns the most at Costco Travel?
- Bilt Palladium Card ranks #1 for Costco Travel in our list at 4.0¢ per dollar on all other (including Costco Travel) — $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.
- Can I stack a shopping portal with my credit card at Costco Travel?
- Shopping portals sometimes offer extra rewards at Costco Travel; check current portal rates before you buy.
Want to filter by spend amount, network, or fee preference?
Open in full search with filters →