Merchants • Wholesale club

Best Credit Cards for Costco

Among the cards CardTruth has reviewed, the BMO VIPorter World Elite Mastercard earns the most at Costco: 1x points, worth ≈1.5% of what you spend. Compare the top two →

Cards accepted

In store
Mastercard
Online
Mastercard and Visa

Mastercard is the only credit card accepted in Canadian warehouses and at Costco gas. Costco.ca also takes Visa. American Express isn't accepted.

How purchases code (MCC)

  • 5300Wholesale clubsCommonly reported

    Warehouses code as wholesale clubs, not grocery stores, so grocery bonus rates usually don't apply.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. BMO VIPorter World Elite MastercardBase rate
    ≈1.5%1x points
  2. WestJet RBC World Elite MastercardBase rate
    ≈1.5%1.5x points
  3. BMO CashBack World Elite MastercardBase rate
    1%1% back
  4. CIBC Costco MastercardBase rate
    1%1% back
  5. PC Insiders World Elite MastercardBase rate
    1%1% back
  6. PC MastercardBase rate
    1%1% back
  7. PC World Elite MastercardBase rate
    1%1% back
  8. PC World MastercardBase rate
    1%1% back
  9. RBC Cash Back Preferred World Elite MastercardBase rate
    1%1% back
  10. WestJet RBC MastercardBase rate
    ≈1%1x points
Show all 20 personal cardsShow fewer
  1. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  2. CIBC Adapta Mastercard for StudentsBase rate
    ≈0.83%1x points
  3. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  4. BMO Ascend World Elite MastercardBase rate
    ≈0.67%1x points
  5. BMO Blue Rewards World Elite MastercardBase rate
    ≈0.67%1x points
  6. BMO CashBack MastercardBase rate
    0.5%0.5% back
  7. RBC Cash Back MastercardBase rate
    0.5%0.5% back
  8. Scotia Momentum Mastercard Credit CardBase rate
    0.5%0.5% back
  9. Student BMO CashBack MastercardBase rate
    0.5%0.5% back
  10. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points

Online only

Costco accepts these cards online but not in store.

  1. CIBC Aeroplan Visa Infinite Privilege CardBase rate
    ≈2.5%1.25x points
  2. TD Aeroplan Visa Infinite Privilege CardBase rate
    ≈2.5%1.25x points
  3. RBC Avion Visa Infinite PrivilegeBase rate
    ≈2.25%1.25x points
  4. CIBC Aeroplan Visa Infinite CardBase rate
    ≈2%1x points
  5. TD Aeroplan Visa Infinite CardBase rate
    ≈2%1x points
Show all 47 online-only cardsShow fewer
  1. Wealthsimple Visa Infinite + Credit CardBase rate
    2%2% back
  2. Wealthsimple Visa Infinite Privilege Credit CardBase rate
    2%2% back
  3. RBC Avion Visa InfiniteBase rate
    ≈1.8%1x points
  4. RBC Avion Visa PlatinumBase rate
    ≈1.8%1x points
  5. RBC British Airways Visa InfiniteBase rate
    ≈1.5%1x points
  6. CIBC Aeroplan Visa CardBase rate
    ≈1.34%0.67x points
  7. CIBC Aeroplan Visa Card for StudentsBase rate
    ≈1.34%0.67x points
  8. TD Aeroplan Visa Platinum CardBase rate
    ≈1.34%0.67x points
  9. CIBC Aventura Visa Infinite Privilege CardBase rate
    ≈1.25%1.25x points
  10. CIBC Aventura Gold Visa CardBase rate
    ≈1%1x points
  11. CIBC Aventura Visa Infinite CardBase rate
    ≈1%1x points
  12. CIBC Dividend Platinum Visa CardBase rate
    1%1% back
  13. CIBC Dividend Visa Infinite CardBase rate
    1%1% back
  14. Scotia Momentum Visa CardBase rate
    1%1% back
  15. Scotia Momentum Visa Card (for students)Base rate
    1%1% back
  16. Scotia Momentum Visa Infinite+ CardBase rate
    1%1% back
  17. Scotiabank Passport Visa Infinite Privilege CardBase rate
    ≈1%1x points
  18. Scotiabank Passport Visa Infinite+ CardBase rate
    ≈1%1x points
  19. Scotiabank Scene+ Visa CardBase rate
    ≈1%1x points
  20. Scotiabank Scene+ Visa Card (for students)Base rate
    ≈1%1x points
  21. ScotiaGold Passport Visa CardBase rate
    ≈1%1x points
  22. TD Cash Back Visa Infinite CardBase rate
    1%1% back
  23. TD First Class Travel Visa Infinite CardBase rate
    ≈1%2x points
  24. moi RBC VisaBase rate
    ≈0.8%1x points
  25. TD Platinum Travel Visa CardBase rate
    ≈0.75%1.5x points
  26. RBC ION VisaBase rate
    ≈0.71%1x points
  27. RBC ION+ VisaBase rate
    ≈0.71%1x points
  28. RBC U.S. Dollar Visa GoldBase rate
    ≈0.71%1x points
  29. BMO eclipse Visa Infinite CardBase rate
    ≈0.67%1x points
  30. BMO eclipse Visa Infinite Privilege CardBase rate
    ≈0.67%1x points
  31. More Rewards RBC Visa InfiniteBase rate
    ≈0.6%4x points
  32. CIBC Aventura Visa CardBase rate
    ≈0.5%0.5x points
  33. CIBC Aventura Visa Card for StudentsBase rate
    ≈0.5%0.5x points
  34. CIBC Dividend Visa CardBase rate
    0.5%0.5% back
  35. CIBC Dividend Visa Card for StudentsBase rate
    0.5%0.5% back
  36. CIBC U.S. Dollar Aventura Gold Visa CardBase rate
    ≈0.5%0.5x points
  37. Scotia Momentum No-Fee Visa CardBase rate
    0.5%0.5% back
  38. Scotia Momentum No-Fee Visa Card (for students)Base rate
    0.5%0.5% back
  39. TD Cash Back Visa CardBase rate
    0.5%0.5% back
  40. TD Rewards Visa CardBase rate
    ≈0.5%1x points
  41. More Rewards RBC VisaBase rate
    ≈0.45%3x points
  42. BMO eclipse rise Visa CardBase rate
    ≈0.34%0.5x points

American Express cards aren't accepted at Costco, so they're not listed.

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.