Costco Credit Card for USA

When you are regular user of Costco products, Costco Credit Card is best for you. Costco is warehouse club that is famous for low prices, unique & large selection of product, free samples, cheap food and clever shopping hacks. Buyer can enjoy unlimited discounts at bulks. Costco issue credit card with the partnership of Citi Bank that is powered by Visa. Costco does not accept all kind of credit or debit card, only if you have Visa power card than you can use it at Costco. Costco is doing business with 848 warehouses around the world. It has 548 warehouses in the USA. You can use Costco Credit anywhere Visa is accepted. You can use it ATM even for cash withdrawals. Approximately more than 64 Million users have Costco card that represent 26% adults.

Obviously, Costco credit card offer you 4% cash back at gas and EV Charging purchases during the first year. But limit is earning is up to $7,000. You have opportunity to earn 3% cash back at restaurants & travel purchases. For Costco purchases you get 2% cash back reward. Costco is high rewarding credit card which has no annual fee if you are Costco Member. Costco membership fee is $60 and up gradation fee is also $60. So total you have to pay $120 for membership, but this cost will be offset with its benefits.


Drawback of this card is that it does not offer welcome bonus. Earned rewards could be redeemed for Costco buying only. If you not utilized the rewards in a year, they got expire. Further you can redeem reward once a year. You have to wait entire year for more redemption. 

Additional Benefits:

Furthermore, with this card you got following additional benefits.

  • Theft protection
  • Lost Card Assistance
  • 24 house Helpline Services

Requirements to apply Costco Credit Card

To apply for Costco Credit Cards, you have following requirements that are mandatory.

  1. Photo Identification Documents that contain address
  2. Street Address not PO Box
  3. Excellent Credit Score 750 or plus

Undeniably, you can earn 4% cash back at gas & EV Charging Purchases.  But, this offer is valid for first year and up to limit of $7,000.

Second, you can earn 3% cash back for every dollar spends for restaurants buying.

Third, you can earn 2% cash back for Costco Purchases.

Finally you can earn 1% cash back for all purchases.

Welcome Bonus:

As has been noted, Welcome Bonus is not available for this card.

Annual Fee:

Without a doubt, This card has no annual fee. But you have need of Costco membership that have cost of $120.

Intro APR:

This card does not offer Intro APR. 

Regular APR:

Still, regular APR at this card is 19.75% that is variable.

Balance Transfer Fee:

Balance transfer fee at this card is 5%.

Foreign Transaction Fee:

Surprisingly, Foreign Transaction Fee at this card is at 0%.

Credit Needed:

Summing up, to get this card you have need excellent or very good credit score history. Your score should be 750 or plus. 

Frequently Asked Questions:

Can Costco Credit Cards be used anywhere?

Naturally, Costco Credit Cards are Visa Cards that are issued by Citi Bank. It could be used at every place where Visa Card is accepted. You can use it at ATM for cash withdrawal also. 

How to pay bill of the Costco Credit Cards?

To pay credit card bill there is the large network of Citi Bank Branches, Costco Stores and also online facility by using Costco store app. Costco can accept all Visa, Master Card, American Express debit and credit cards.

How can I get credit card from Costco?

Hence, You can apply credit card at Costco’s stores or you have also facility to apply at website

How much a Costco Credit Card cost?

In brief, Costco Credit Cards has no annual or monthly fee.  But you have need of member ship. Costco membership cost is $60 with up gradation fee of $60, so total you have to pay $120. But this payment of $120 will be off set with it benefits.

Which bank issue Costco Credit Cards?

Accordingly, Costco Credit Card is full fledging Visa card that is powered by Visa and is issued by Citi Bank.  So card issuer helps you for bill payment and also support card related issues.

Can I use Costco credit cards at Wal-Mart?

Yes, Costco Credit Cards are powered by Visa Card and issued by Citi Bank, you can use it anywhere also for Wal-Mart buying.

Can Costco credit cards be used internationally?

To conclude, we can say Yes, Costco Credit Cards are powered by Visa and issued by Citi Bank.  You can use this it for international transaction. This card has 0% Foreign Transaction Fee will charge.

Does Costco Credit Cards have an App?

Yes, just like other credit cards in the market, Costco Credit Cards has an App for its user.  This App help’s in buying, rewards redemption, checking account status and for payment of bills. 

Is it difficult to get Costco Credit Cards?

Yes, to apply for this card you have need of strong credit history, required credit score is 750 or more. It is indicator that Costco have huge number of customers, and these customers are quality customers.

Is it worth having a Costco Credit Card?

As a result, Costco Credit cards user enjoys huge cash back reward without paying any annual fee. However it will cost you $120 as a membership fee. Its benefits are enough to set off this membership fee.

Does Costco Rewards expire?

Costco Card never expires, but Costco earned rewards will expire if you will remain fail to redeem during one year. Point can be redeemed at 31 December each year.

What percentage of American has a Costco Credit Cards?

Costco have issued more than 64 Million credit cards. According to our research data approximately 26% adults in USA have Costco Credit Card.

Is the $120 Costco membership worth it?

Despite of $120 membership fee, Costco Credit Card is hot cake due to its zero annual fee and multiple rewards and perks. Paid amount is set off by its benefits.

Can everyone get Costco Credit Cards?

Undeniably, Costco Credit Cards are suitable for businesses and traders. However everyone who has excellent credit score history may apply for this card.

How to get Costco Membership?

For getting Costco membership you should have 18 years of age or plus, photo identification government document and a street address. Costco does not accept PO address.

How much is Costco yearly membership fee?

Costco Credit Cards do not have any annual fee, but for availing the card facility you should have membership. For getting membership you have to pay a total $120. $60 is membership fee while other $60 is up gradation fee.