What Is the Best Credit Card for Costco in June 2026?
Updated June 2026 picks for this store — compare reward rates, caps, annual fees, and issuer terms before you apply.
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What are the top picks for June 2026?
Costco Anywhere Visa Card by Citi
Best for Costco members who want one Visa for warehouse, Costco.com, gas, dining, and travel
- Rewards
- Citi lists 2% on Costco and Costco.com purchases, 3% on restaurants and eligible travel, and 4% on eligible Costco gas, other gas, and EV charging up to a combined annual cap before 1%.
- Annual fee
- $0 card annual fee with paid Costco membership
Pros
- Accepted at U.S. Costco warehouses and designed around Costco purchases.
- Strong gas and dining rates for members who also fuel at Costco.
- No card annual fee beyond the Costco membership itself.
Cons
- Requires an active paid Costco membership.
- Higher gas rewards are capped each year.
- Cash back is paid through Costco's annual reward certificate process.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
Bank of America® Customized Cash Rewards Credit Card
Best Visa fallback when wholesale clubs earn 2% automatically and you want a separate online-shopping or gas category
- Rewards
- Automatic 2% at grocery stores and wholesale clubs on the first $2,500 in combined quarterly choice-category, grocery, and wholesale-club purchases, then 1%; optional 3% in a selected category each quarter.
- Annual fee
- $0
Pros
- Visa network works at Costco warehouses.
- Automatic wholesale-club rate without a Costco membership card.
- Flexible 3% category can cover gas, online shopping, or dining.
Cons
- 2% wholesale-club rate is usually below the Costco card's in-store rate for members.
- Quarterly caps and category selection add maintenance.
- Costco gas may code as gas, not wholesale club.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
Chase Freedom Unlimited® Credit Card
Best simple Visa fallback when you want uncapped base rewards without quarterly choices
- Rewards
- 1.5% cash back on all purchases; 3% on dining and drugstores; 5% on travel purchased through Chase Travel.
- Annual fee
- $0
Pros
- Visa acceptance at Costco warehouses.
- No quarterly activation for the base rate.
- Useful if you already carry Freedom Unlimited for dining or drugstores.
Cons
- 1.5% base rate loses to the Costco card's 2% in-warehouse rate for members.
- Wholesale clubs are not a bonus category.
- Ultimate Rewards value depends on how you redeem.
Issuer terms are authoritative. Card links may point to issuer pages or approved partners when available.
June 2026 update: This month’s picks reflect Madeen’s catalog snapshot 2026-05-01. For the evergreen guide, see which credit card for costco. Browse programmatic rankings for full catalog coverage.
What are the best credit card picks for June 2026?
For June 2026, the best card depends on what you already carry, whether the purchase codes in the bonus category you expect, and whether an annual fee is worth it for your spend level. Madeen’s catalog tracks 3,944 U.S. cards — use the picks below as starting points, then confirm issuer terms before you apply.
What changed since last month?
This is the first monthly installment in this series — there is no last month spoke to compare yet. Card picks below use Madeen’s latest catalog snapshot.
Best cards for costco in June 2026
Costco is not a normal supermarket for credit card rewards. U.S. warehouses accept Visa credit cards (plus the Costco Anywhere Visa, debit, and a few other methods), which rules out many popular Mastercard, Amex, and Discover bonus cards at the register. The best Costco card depends on membership, whether you shop in-warehouse or on Costco.com, and how much you also spend on Costco Gas, dining, and travel.
What is the best credit card for Costco?
For most Costco members, the Costco Anywhere Visa Card by Citi is the best starting point because it is accepted at Costco warehouses and earns elevated rewards on Costco and Costco.com purchases under current Citi terms. Non-members or shoppers who want a general Visa without a Costco membership card should compare a strong flat-rate Visa such as Chase Freedom Unlimited or a wholesale-club-friendly card such as Bank of America Customized Cash Rewards — but only when the effective rate after caps beats 2% on in-warehouse spend.
Madeen’s catalog shows why this is a distinct decision. Across 3,944 cards, 14 cards carry reward rules with explicit wholesale, warehouse, Costco, Sam’s Club, or BJ’s language. That narrow set is why a Costco-specific guide matters even though a broader warehouse club comparison already exists.
What are the best credit cards for Costco right now?
| Card | In-warehouse / Costco.com | Gas at Costco | Annual fee | Best for |
|---|---|---|---|---|
| Costco Anywhere Visa by Citi | 2% on Costco and Costco.com (issuer terms) | 4% on eligible Gas and EV charging up to annual cap | $0 card fee + Costco membership | Costco members who want one dedicated Visa |
| BofA Customized Cash Rewards | 2% at wholesale clubs (quarterly cap shared with Groceries/choice category) | 3% if Gas is your selected quarterly category | $0 | Members who want a flexible Visa fallback |
| Chase Freedom Unlimited | 1.5% base on all purchases | 1.5% base unless another category applies | $0 | Simple Visa fallback without quarterly choices |
Issuer and Costco terms are authoritative. Verify rewards, caps, membership tiers, redemption rules, and payment acceptance before applying or changing your default card.
Costco Anywhere Visa Card by Citi: best for Costco members
Citi markets the Costco Anywhere Visa for 2% on Costco and Costco.com purchases, 3% on restaurants and eligible travel, and 4% on eligible Costco Gas, other eligible Gas, and EV charging up to a combined annual cap before purchases earn 1%. The card has no annual fee, but you need a paid Costco membership, and Cash Back is delivered through Costco’s annual reward certificate process.
Choose this card when you are already a Costco member and want one Visa tuned to warehouse, online, Gas, dining, and travel spend. Skip it when you rarely shop Costco, do not want membership overhead, or another Visa in your wallet beats the effective rate after caps.
Bank of America Customized Cash Rewards: best wholesale-club Visa fallback
Bank of America lists automatic 2% Cash Back at grocery stores and wholesale clubs on the first $2,500 in combined quarterly choice-category, grocery, and wholesale-club purchases, then 1%. You can also select a 3% category each quarter (Gas, online shopping, dining, travel, drugstores, or home improvement).
This card fits shoppers who want Visa acceptance at Costco without
…
See Madeen methodology for how effective rates are calculated.
Related encyclopedia topics
Frequently asked questions
What credit cards does Costco accept in the warehouse?
Costco says U.S. warehouse locations accept all Visa credit cards, the Costco Anywhere Visa Card by Citi, most PIN-based debit or ATM cards, cash, checks from members, Costco Shop Cards, and selected other payment methods. Mastercard, American Express, and Discover credit cards are not accepted for warehouse checkout.
Is the Costco Anywhere Visa the best card for Costco?
For most Costco members, it is the first card to compare because it earns elevated rewards on Costco and Costco.com purchases and is accepted everywhere Costco takes Visa. Another Visa can win only if its effective rate after caps, membership costs, and redemption beats the Costco card for your exact basket.
Can I use a grocery credit card at Costco?
Often no. Many grocery bonus cards exclude warehouse clubs or Costco specifically. Check issuer terms before assuming a supermarket multiplier applies inside a Costco warehouse.
Should I use the same card for Costco gas and in-warehouse purchases?
Not always. Gas and warehouse purchases can earn different rates and share or separate caps. Compare the dedicated Costco gas guide if fuel is a large part of your Costco spend.
Can Madeen pick a Costco card without bank login?
Madeen compares reward rules for the cards you select without bank login or card numbers, but Costco's Visa-only rule, membership requirements, issuer caps, and merchant coding still control the final answer.
Sources and notes
- Madeen analysis Madeen card catalog Costco and wholesale-club reward-rule analysis - Madeen Accessed 2026-06-07.
- Issuer terms Costco Anywhere Visa Card by Citi - Citi Accessed 2026-06-07.
- Issuer terms What payment methods are accepted at Costco? - Costco Accessed 2026-06-07.
- Issuer terms Bank of America Customized Cash Rewards - Bank of America Accessed 2026-06-07.
- Issuer terms Chase Freedom Unlimited - Chase Accessed 2026-06-07.