What forms of payment does Costco accept?

Q. What are my options for paying at Costco?

Adam answers:

That depends on if you are talking about paying at a Costco warehouse store or online at Costco.com:

  • At a Costco store: you may pay with cash, a check, a debit card, a Costco Cash Card, or with an American Express card (including the Costco TrueEarnings American Express card). American Express is the ONLY credit card accepted in Costco warehouse stores in the United States. (Note that this will change at the end of March, 2016 — the agreement between American Express and Costco will end on March 31, 2016 and Visa will then take over as Costco’s exclusive credit card partner. At that time Costco will also begin to offer a Costco-branded credit card in partnership with Citibank that replaces the current TrueEarnings Amex Card.)
  • On Costco.com: you can use just about any credit card — American Express, MasterCard, Visa, or Discover — as well as Costco Cash Cards.

Of note: if you don’t want to get the Costco American Express card but want to use your credit card for in-store purchases, you could buy Costco Cash Cards online with your credit card and then use those in store. It’s a bit of a pain as a workaround, but that’s up to you.