Best credit card to use at Costco (October 2026)

The best card to use at Costco is the Robinhood Gold Card, which earns 3% cash back there.

Top cards at Costco

1Robinhood Gold Card Robinhood3% cash back on everything
2Always Cash Visa Signature Rewards Hawaii State FCU2.5% cash back on everything
3Premier Rewards Visa Idaho Central Credit Union2.5% cash back · Wholesale clubs
44-3-2-1 Everyday Visa UCCU2% cash back · Wholesale clubs
5Active Cash Wells Fargo2% cash back on everything

Good to know

Costco warehouses in the U.S. only accept Visa.
Wholesale clubs are excluded from most supermarket bonuses.
Robinhood Gold Card: 3% on everything while you hold a Gold subscription.
Premier Rewards Visa: Wholesale clubs (Costco, Sam's Club).
4-3-2-1 Everyday Visa: Wholesale clubs such as Costco and Sam's Club (MCC 5300).
4-3-2-1 Everyday Visa: Cash back is deposited quarterly. No annual fee. Also sold as the Wolverine Everyday card (UVU design).

Ranked by what each card earns at Costco, valuing points at their cash-out value. Closed, business and pick-your-own-category cards are left out. Rates checked against each issuer between October 4, 2026 and October 12, 2026.

Check your own cards at Costco

TapWise ranks the cards you carry. No account, card numbers or bank logins.