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The best credit cards for Costco

To the point Looking for the best credit card for Costco to replace your Capital One? Here are the best credit cards!

The best credit cards for Costco Canada

The easiest way to pay at Costco Canada is with a Mastercard credit card!

But as you will see below, you could also use Visa cards with a back door method.

costco mastercard

However, you don’t necessarily need to own the Capital One Mastercard Costco credit card, offered at every checkout; contrary to the beliefs of many Costco members!

costco capital one affiche
Une carte pas si intéressante

As you can see, Costco cashiers have some credit card application targets to achieve every day! 😉

costco capital one ventes
Objectif: 25 souscriptions par jour !

All Mastercard credit cards are accepted at Costco!

Here’s a list of the best Mastercard and Visa credit cards in Canada to maximize your returns at Costco!

The best MASTERCARD credit card for Costco

There are many MASTERCARD credit cards out there you can use at Costco.

Choose the best one based on your goal:

Cash back

If you wish to get cash back, there are many MASTERCARD cash back credit cards for your Costco purchases!

The choice of milesopedia

If your goal is to earn cash back, the BMO® CashBack® World Elite®* Mastercard®* is a great choice.

With this credit card, you earn 1.5% per dollar at Costco. In addition, for a limited time, when you apply for this card you will get:

  • the first-year free
  • 10% in your first 3 months (up to a maximum of $2,000 ($200 cash back) in eligible card purchases)

Check out this special offer here.

Other credit cards

Several other MASTERCARD cash back credit cards may be attractive for you:

air miles

AIR MILES

If you’re an AIR MILES collector, you probably want to earn AIR MILES Bonus Miles for your Costco purchases!

The choice of milesopedia

Our choice of AIR MILES Mastercard credit card for Costco is the BMO® AIR MILES® World Elite®* Mastercard®*.

With this credit card you earn:

  • 1 reward mile for every $10 in Costco purchases
  • A great welcome bonus
  • Two annual complimentary passes to VIP airport lounges
  • Premium travel insurance
  • More information and application here.

Other credit cards

Only BMO has AIR MILES MASTERCARD credit cards. Fortunately, the choice is extensive and you can earn a welcome bonus for each card!

With all these cards, you earn 1 reward mile for every $20 in Costco purchases.

Here’s a selection of other credit cards for Costco:

Travel points

If you prefer travel points, there are many Travel Points MASTERCARD credit cards for your Costco purchases!

The choice of milesopedia

The BMO® World Elite®* Mastercard®* is a great way to earn travel points for all your purchases at Costco.

With this credit card you earn:

  • 2 points per dollar at Costco
  • A great welcome bonus
  • first-year free
  • 4 annual complimentary passes to VIP airport lounges
  • Premium travel insurance

Other credit cards

Several other Travel Points MASTERCARD credit cards may be attractive for you:

If you don’t have the minimum income for World Elite cards ($80,000 individual / $150,000 household), here are other Travel Points MASTERCARD credit cards:

Hotel points

To earn hotel points for your Costco purchases there is only one MASTERCARD credit card in Canada: the Best Western Rewards® Mastercard.

With this credit card you earn:

  • 1 point per dollar at Costco
  • No annual fee

The best VISA credit cards for Costco

On Costco.ca, you can pay with a VISA credit card. And since you can buy Costco Shop cards that you can use in warehouses, it’s a backdoor method to use any VISA credit card for Costco!

carte comptant costco

Choose the best credit card based on your goal:

amex aeroplan logo

Aeroplan

If you’re an AEROPLAN member, you’ll probably want to earn AEROPLAN miles for Costco purchases!

Buy a Costco Shop Card with your Aeroplan credit card on costco.ca, to use it in your warehouse!

The choice of milesopedia

The TD® Aeroplan® Visa Infinite Card is a great way to earn Aeroplan miles for your Costco purchases.

With this credit card you earn:

  • 1 Aeroplan mile per dollar at Costco.ca
  • A great welcome bonus
  • Great travel insurance

Other credit cards

Several other Aeroplan credit cards may be interesting for your:

Travel points

There are many Travel Points VISA credit cards for your Costco purchases!

The choice of milesopedia

The Scotiabank Passport™ Visa Infinite* is a great way to earn travel points for all your Costco purchases.

With this credit card you earn:

  • 1 point per dollar at Costco.ca
  • A great welcome bonus
  • 6 complimentary accesses to VIP airport lounges
  • No conversion fee for foreign currency transactions
  • Premium travel insurance

Other credit cards

Several other travel points credit cards may be interesting for you:

Cash back

If you prefer cash back, there are a few cash back VISA credit cards for your Costco purchases!

The choice of milesopedia

The Scotia Momentum® VISA Infinite* card is a great way to earn cash back for all your Costco purchases.

With this credit card you earn:

  • 1% on Costco.ca
  • 4% on recurring bill payments and grocery store purchases
  • Premium insurance

The other credit cards

Two other cash back credit cards may be interesting for you:

Conclusion

As you can see, you’re spoilt for choice when it comes to credit cards to use at Costco.

If we were to choose only one as travellers, we would take the BMO® World Elite®* Mastercard®*for several reasons:

  • 2 points per dollar at Costco (and everywhere else)
  • 3 points per dollar on travel, dining and entertainment purchases
  • 4 annual complimentary passes to VIP airport lounges
  • First-year free
  • Premium travel insurance(including miles and points travels)

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