Do you want to know whether Costco accepts Mastercard or not?
If that’s the case, you have landed on the right page. Here, we have explained all you need to know about what card Costco accept and how to use Mastercard with Costco.
So, let’s begin.
Does Costco accept Mastercard
In US, Costco does not accept Mastercard at its warehouses or gas stations. However, you will still be able to shop with your Mastercard on Costco.com or Costco app.
You may ask why Costco does not accept MasterCard at its warehouses.
The answer to this question is simple: Costco does not accept MasterCard at its warehouses because of its exclusive partnership with Visa.
Well, originally, Costco limited its users to only shopping with AMEX-backed cards, but in 2016, Costco partnered with Visa. Since then, Visa has become the exclusive credit card network of Costco.
Not only Mastercard but other renowned card networks such as American Express and Discover are also not accepted by the Costco warehouses.
On the other hand, In Canada, Costco has an exclusive partnership with Mastercard. So, in Canada, you will only be able to use Mastercard at Costco warehouses, not the Visa or other credit card issuers.
What card does Costco accept (Payment methods)
Costco at its warehouses and gas stations only accepts Visa-branded credit cards in the USA. However, In Canada, Costco has a partnership with Mastercard and only accepts Mastercard credit cards at its stores.
However, if you do not only have a Visa card, do not fret, as Costco provided several other ways you can shop with them.
Costco accepts cash, checks, debit/ATM, EBT, and Costco Shop Cards. Well, to use a check, you will need to have a valid government issues ID card.
Also, Costco gas stations and car washes do not accept cash, checks, or EBT. So, at these places, you will have to use your Visa card, debit/ATM card, or Costco Shop Card for your transactions.
| Credit card type | Accepted at Costco USA? |
| Visa | Yes |
| Mastercard | No |
| American Express | No |
| Discover | No |
U.S. Costco warehouse locations accept:
- All Visa Cards
- The Costco Anywhere Visa Card by Citi
- Most PIN-based Debit/ATM Cards
- Costco Shop Cards*
- Cash
- Personal checks from current Costco Members
- Business checks from current Costco Business Members
- Traveler’s checks
- EBT cards
- Mobile Payment (Apple Pay, Google Pay, Samsung Pay)
U.S. Costco Gas Stations:
- All Visa Cards
- The Costco Anywhere Visa Card by Citi
- Most PIN-based Debit/ATM Cards
- Costco Shop Cards*
Costco.com:
- All Visa Cards
- The Costco Anywhere Visa Card by Citi
- MasterCard
- Discover Cards (Including JCB and Diners Club)
- Most PIN-based Debit/ATM Cards
- Costco Shop Cards
Ways to use Mastercard with Costco
Costco does not accept Mastercard credit cards at its warehouses and gas stations in the USA. However, there are still a few ways to use your Mastercard with Costco, as discussed below.
1. Use Mastercard at Costco.com or Costco App
The first method to use your Mastercard with Costco is to purchase items online from Costco.
Costco.com or Costco App accepts all Visa Cards, MasterCard, Discover cards, Costco Shop cards, the majority of PIN-based debit or ATM cards, and Visa checkout.
2. Get Costco cash card
If you only want to shop with Costco at its warehouse, you can purchase a Costco cash card from Costco.com. And as Mastercard is accepted as the payment method on Costco.com, pay with your Mastercard at the time of checkout.
Once you have the Costco cash card, visit the Costco warehouse and shop with it.
Hence, in this way, you have used your Mastercard to shop with Costco at its warehouse or gas stations.
Also, you can find our other stores or outlets selling Costco cash cards and purchase them using your Mastercard.
3. First buy Visa gift card with your Mastercard
Another way would be to buy a visa gift card with MasterCard and then use the visa gift card at a Costco warehouse or gas station.
4. Use Apple Pay, Google Pay or Samsung Pay
As Costco allows using Apple Pay, Google Pay and Samsung Pay, so you can your Mastercard with Costco by using any of the apps
So, simply add your Mastercard to any of these payment apps, and you should be able to use your Mastercard at Costco warehouses and gas stations.
Conclusion
The best way to pay at Costco warehouses and gas stations is to use Visa credit cards, as using Visa-branded cards, you will be able to earn maximum rewards.
However, if you do not have Visa, do not fret, as there are several other ways to pay and even use the Mastercard with Costco, as explained above in this post.
So, that’s all for now, guys. I hope after going through this post, you were able to know how to use your Mastercard with Costco.
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