Does Costco Accept Mastercard In 2022? (You’Ll Be Surprised)

If you have never visited your local Costco or if you have just recently opened up a membership with the big-box retail store, you might be surprised to learn an inconvenient quirk about the wholesale shopping super-center.

This article will cover everything about Costco’s relationship with Visa and how Mastercard fits in the equation.

Does Costco Accept Mastercard In 2022? (You'll Be Surprised)

Does Costco Accept Mastercard In 2022?

Costco will not take Mastercard credit cards in any of its locations by 2022. Costco customers can use Mastercard PIN debit cards to pay in-store and at Costco Gas. is the only online store that accepts Mastercard credit.

Costco’s potential and current customers can find Mastercard very convenient.

Continue reading to find out why Costco doesn’t accept Mastercard credit for payment at its physical stores.

  • Costco has a deal with Visa
  • Costco prohibits customers from using Mastercard credit when they shop in its stores, as the wholesale chain is part of a special deal with Visa.

    This deal began in June of 2016 when Costco and American Express could not reach an agreement upon the end of their previous contract.

    Costco is now able to accept Visa credit cards only at its stores thanks to the Visa deal. Costco memberships may not be for everyone.

    It can prove to be extremely frustrating for potential members considering membership. It could even persuade them against membership with Costco altogether.

    Creating more obstacles for consumers to navigate while shopping at a store is a gamble that Costco is willing to take. This has brought both benefits to the parties.

    The worst frustration for shoppers was likely when current customers who used American Express credit cards at Costco over years discovered that their preferred mode of payment was no more accepted.

    Costco will accept debit cards from other carriers

    Costco offers a special deal with Visa for credit card transactions. However, Costco customers are able to use their debit cards without any complications.

    For those whose banks do not issue Mastercard or American Express debit cards, this is great news.

    The forms of payment that are accepted at Costco include the following:

  • Visa credit cards issued
  • Cash
  • Most pin-protected debit cards pin-protected regardless of what company issues them
  • Card EBT
  • Costco current Costco members get checks
  • Costco’s deal with Visa does not limit the warehouse store from accepting a broad range of payment forms.

    This is good news for frustrated customers because it offers them several alternatives to pay at checkout. It is a great option for those without Visa credit cards.

    Costco does accept payment via a variety of methods, but this is still causing customers irritation.

    To maintain good credit, many people shop for groceries with their credit cards. If their credit cards are not Visa, they will have to find new ways to shop.

    You can read our posts to learn about the different payment options at Costco. These include whether you can use Apple Pay at Costco or PayPal.

  • Conclusion
  • Although it may not impact customers with Visa credit cards who currently shop at Costco, the exclusive Visa deal does have an effect on those who purchase from Costco. Costco customers may find it difficult to pay for their purchases at Costco when they have Mastercard credit cards. People always want the easiest shopping experience available.

    Costco makes it difficult for customers to find their way around every shop they visit. However, the Visa discount could change if it expires. However, until that day comes, customers will have to stick to Visa credit or choose a different form of payment altogether.

    Costco 2022: What credit cards does it accept?

    Costco has used Visa as its exclusive credit card since 2016. It means you will not be able pay in store with any credit card that is backed either by American Express or Mastercard. The website and the Costco app allow you to use a Mastercard/Discover card.

    Costco Has Since Gone Off Mastercard Acceptance

    Costco made the change to their credit cards on June 20, 2016. This is when Costco’s official switch to Visa by American Express was made. It had been officially announced on February 2015, but it took place June 20, 2016.

    Costco to Take Mastercard

    Since Costco has a contract with Visa, shoppers can’t use credit cards backed by the other three main networks, American Express, Mastercard or Discover, at Costco warehouses. You are able to use Mastercard and discover cards for,, and

    Why is Costco denying Mastercard?

    Costco takes all Visa credit cards, debit cards and gift cards. Costco takes Visa cards. Costco won’t accept Mastercard Discover, American Express or Mastercard. April 7, 2021

    .Does Costco Accept Mastercard In 2022? (You’Ll Be Surprised)

    See also  Does Costco Sell Ice