Does Costco Gas Take Credit Cards?

Does Costco Gas Take Credit Cards?

Does Costco Gas Take Credit Cards?


  • Costco members do not receive any perks or bonuses.
  • To qualify, you must have a high credit score
  • 5% cash back on your first $2,000 in eligible net purchases each quarter on the combined two categories you choose.
  • 2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible net purchases.
  • You will receive 5% cashback on the first $2,000 of eligible net purchases you make each quarter in either one of these two categories.
  • 2% cash back on your choice on one everyday category, like Gas Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible net purchases.

The U.S. Bank Cash+(tm) Visa Signature(r) Card allows you to choose a couple of categories each quarter to earn 5%. If you anticipate spending more on specific items, this is an excellent option. These categories include electronics, furniture, electronic sporting goods, selected clothing, department stores and utilities as well as streaming and internet services. Get 2% cash back on grocery, gas and restaurant spending or 1% on everything else. While Costco cards may not be eligible for cashback, refueling can earn you 2%.

There’s no annual fee for carrying the Cash+(tm) and you can receive $150 in rewards as a bonus if you spend $500 within 90 days of approval. In addition, balance transfers get an introductory 0% APR in the first 12 months, which will revert to the standard variable APR of 13.99%-23.99%.

What does the Switch to Visa do for Costco members?

Per their agreement, Visa is the only payment network that Costco will work with. Credit card payments are made through payment networks. When a credit card is swiped in a store, the transaction information is sent through the credit card processor to the payment network (in this case, Visa). The network relays the information to the card’s issuing bank (e.g. Citi or Chase), which then approves or denies the transaction based on the cardholder’s available credit. The bank sends the approval or denial back to the network, which sends it to the processor, then the store. Visa contacts the bank to obtain the authorization and then transmits funds.

Does Costco Gas Take Credit Cards?

What Visa Cards Are Accepted At Costco?

The most important decision when choosing the top credit card for Costco purchases is how you deal with the offers and rewards.

The points reward credit card can help you maximize the value of your earnings. The co-branded card is good for those who aren’t averse to Costco rewards, but limitless cash back cards will offer the greatest redemption flexibility.

  • Chase Sapphire Reserve Card
  • Chase Sapphire Preferred Credit Card
  • Costco Anywhere Visa Card by Citi
  • Chase Freedom Unlimited
  • Wells Fargo Cash Wise Visa Card
  • Citi Costco Anywhere Visa Business card

Costco Gas Station: How to Pay?

It is not a shop, but a station that allows you to refuel. The payment methods are different here. Costco has four payment options at its gas stations. And those are like this-Costco Shop Cards*

  • All Visa Cards
  • The Costco Anywhere Visa(r) Card by Citi
  • PIN-based debit/ATM cards are most common

Freedom to use any PIN debit card. The other is the Costco Anywhere Visa Card by Citi, which can be used for its term.

Now your curious mind may ask you another question and that will be, why Costco does not accept any credit card other than Visa?

Does Costco Gas Take Credit Cards?

Do You Need The Costco Anywhere Visa card By Citi?

If you are a frequent Costco shopper, the simplest solution to credit card spending at the store may be signing up for the Costco Anywhere Visa Card by Citi.

Money expert Clark Howard carries this card as one of the five personal credit cards in his wallet.

“If you’re already a member anyway, I love the wholesale club cards as a no-annual-fee card option.”

This card also can serve as your membership card, and gives you damage and theft protections beyond the already generous Costco store policies on purchases.

Team Clark has written a detailed review about this card.

Capital One Venture X

  • Reward: Get 10X Miles per Dollar for hotels, car rentals, or flights through Capital One Travel. You can also earn 5X Miles on all other bookings through Capital One Travel.
  • Sign-up Bonus: Earn 75,000 bonus miles after spending $4,000 on purchases in the first 3 months
  • Annual Fee: $395

For rewards credit cards, this is one of the highest rates out there. This equates to being able to earn a large number of rewards at all times without any specific categories to worry about. Not many premium travel cards offer this same type of convenience.

Does Costco Gas Take Credit Cards?

What Credit Cards Does Costco Accept?

Costco accepts Visa debit and credit cards only, as mentioned previously. Costco will not accept MasterCard, AmEx, or Discover cards issued by credit union or your bank. This is usually not problematic for Costco consumers. Costco customers are loyal enough to have a Costco-branded Visa Card. Many people have a Visa debit or credit card, even if they don’t own one. In fact, 261 million American people owned a Visa debit or credit card in 2012.

Costco and Visa are involved in an exclusive contract that bans other major credit card networks such as Discover, MasterCard and American Express. Costco will require you to have a Visa card in order for you to shop there. Costco used to have this contract with American Express, which limited card usage to that network until the recent Visa switch.

Visa is more than a credit card issuer. It is also a credit-card-processing network. Visa processes only transactions; the issuing bank handles everything else.

Chase Bank issues Chase Freedom Flex which works on Visa networks. Chase has full control on the credit line and decides the fees and rates. Chase sends bills and cardholders have to pay Chase.

This means Costco’s Visa network policy might limit your options, but it isn’t as severe as you would think. Visa has many bank partners who issue Visa cards, including Costco’s partnered credit card through Citi.

How about Gas at Costco Gas Station

Gas at Costco gas station is of superior quality at a nominal rate. And these are not only our views you can check anywhere as Costco’s own brand Kirkland signature which comes under the top tier in the gas industry. But everyone gets the gas at the same cost then why it can be filled at a low cost.

Does Costco Gas Take Credit Cards?


  • You can increase your reward-earning potential by earning 5% cashback on 2 categories each quarter.
  • Costco gas purchases and those at other stations will earn you a 2% bonus
  • 150-dollar cash bonus
  • There is no annual charge
  • Transfers of no-interest balance for the first twelve months

What are the Terms of Costco’s Visa Card?

Costco Anywhere Visa(r) Card by Citi is available for no annual fee to Costco members, and offers better rewards than its American Express predecessor. Its bonus points include 4% back on up to $7,000 per year (and 1% thereafter) in eligible gas purchases, 3% back at restaurants and on eligible travel, 2% back at Costco and on and 1% back on everything else. The Visa card is also accepted by more merchants than American Express. Only Costco Warehouse stores and can redeem reward points.

Does Costco Gas Take Credit Cards?

Costco Offers Gas at Low Prices

Another thing to consider is your membership. It will be cheaper not only at the gas station but also in its shop and on its website.

Reward Rate

Chase Ultimate Rewards offers a 5% discount on travel, while dining and pharmacy purchases are 3% off and all purchases are 1.5%.

Does Costco Gas Take Credit Cards?

Can You Shop At Costco If You Don’T Have A Costco Membership?

Yes, the “Today Show” publicized this hack several years ago and it still works. If a Costco member buys you a store gift card, aka Costco Cash Card, you can use it in the store without a membership. A card can be purchased for $25-$2,000.

Chase Freedom Unlimited

  • Rewards: 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases.

Does Costco Gas Take Credit Cards?

Costco Accepts Ebt

Costco sells food, so people often wonder if Costco accepts EBT (food stamp) payments. Yes! Costco accepts EBT when it comes to in-store purchases (not available at, Costco car wash stations, and Costco gas stations).

Does Costco Accept Discover?

Costco will not accept Discover as a form of in-store payment. You can still use a Discover Card to purchase on and through the Costco App.

If you’re going to use a Discover card for shopping online with the wholesale retailer, here are three cards we suggest using for maximized rewards on Costco spending:

Does Costco Gas Take Credit Cards?


  • Earn $200 cash back after spending $500 on purchases in the first 3 months
  • Travel, dining and pharmacy bonus rewards
  • No annual fee
  • Purchases and Balance Transfers: 0% Intro APR

Does Costco Gas Take Credit Cards? (Accepted Cards 2022)

Costco Wholesale Corporation




NASDAQ-100 Component

S&P 100 Component

S&P 500 Component

Price Club
Founded July 12, 1976

; 45 years ago




(as Price Club)

San Diego, California

, U.S.

September 15, 1983

; 38 years ago




(as Costco)

Seattle, Washington

, U.S.

James Sinegal

Jeffrey Brotman

Sol Price

Robert Price



Number of locations


Area served








New Zealand

South Korea



United Kingdom

United States

Key people

Hamilton E. James


W. Craig Jelinek

(President and CEO)

Brands Kirkland Signature

Cash & Carry

Warehouse club

Filling stations

Revenue Increase

US$166.76 billion


US$6.023 billion


US$4.002 billion



Total assets

US$45.40 billion



Total equity

US$15.24 billion


Members Increase
105.5 million


Number of employees






Edit this at Wikidata

Costco is a trusted company with loyal customers. However, many people don’t like the partnership between Costco and Visa to pay in-store.

  • You might wonder, then, if Costco gas also gets overflown by it. So, does Costco gas take all credit cards? This is what I found!
  • Does Costco Gas Take Credit Cards? (Accepted Cards 2022)

    Costco Gas Will Accept Credit Cards From 2022

    Costco Gas only accepts Visa credit cards for gas purchases as of 2022. NFC payments made by Apple Pay and Google Pay as well as Samsung Pay using Visa debit or credit cards are included in this. Costco gas doesn’t accept American Express and MasterCard credit cards.

  • To learn more about payment methods, memberships for Costco gas, and mobile payments, keep on reading!
  • Costco Gas accepts which credit cards?

    Costco gas in America accepts:

  • Visa credit cards
  • The Costco Anywhere Visa Card
  • PIN-based debit/ATM cards are most common
  • Costco shop cards
  • Costco can accept Visa credit and other types of cards.

    A Visa credit card is required if you wish to use your Costco card to purchase products.

    Does Costco Gas Take Credit Cards? (Accepted Cards 2022)

    Why can I not use my mastercard credit card when buying Costco gas?

    Costco has an exclusive contract with Visa that prohibits them from using any other credit card networks, including Mastercard, Discover, and American Express.

    A Visa credit card is required to shop at Costco.

    Do I Need A Membership To Get Gas At Costco With A Credit Card?

    To get Costco gas with a credit card, you must have a Costco member.

    This is because you’re asked to swipe your membership card before you can enter your payment method. If you do not have a membership you cannot get gas.

    However, if you have a Costco card you do not need to be a member in order to purchase gas.

    Does Costco Gas Take Credit Cards? (Accepted Cards 2022)

    Does Costco Gas Accept Apple Pay, Samsung Pay, or Google Pay?

    Costco’s gas pumps have been equipped with near-field communication (NFC).

    Customers will be able to pay by contactless means such as Apple Pay/Samsung Pay/Google Pay (aslong as their Visa card)

    You can also use the ‘tap’ feature of your credit and debit cards on the pump.

    Costco accepts Visa credit card only if you are considering Apple Pay.

    Contactless payments cannot work without a Visa card in your iPhone Apple Pay pocket.

    You can also find more details in my Costco Gas Operating Hours and Guides.

    Conclusion: Costco accepts credit cards?

    Costco gas is able to accept most Visa credit cards as well as PIN debit cards. Costco doesn’t accept non-members and those who do not have Visa cards or debit cards will be denied gas.

    .Does Costco Gas Take Credit Cards? (Accepted Cards 2022)

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