Costco Warehouse

Costco : How do I use a VISA credit card at Costco?

To the point There's a simple way to use a VISA credit card at Costco, so you can earn lots of points and miles!

Costco and credit cards

Our readers often ask how to use a Visa credit card at Costco warehouses.

For a few years now, Costco Canada has only accepted Mastercard for warehouse payments (in addition to cash or debit card payments).

In fact, we have established a list of the best Mastercard credit cards to use at Costco. For example, you can collect 2X AIR MILES at Costco with the BMO® AIR MILES® World Elite Mastercard®*.

At the warehouse, you cannot use a VISA credit card (or an American Express card). However, there is a way to use a VISA credit card: on the website!


The website

The website allows you to pay with a VISA credit card or a Mastercard credit card!

Costcoca Categories En

It is quite convenient for all products available on the website (however, most of these products will generally be more expensive than those found in the warehouse). This remains interesting for the purchase of household appliances.

But what interests us most here is the possibility of buying, with a VISA credit card, “Shop” cards you can then use at the warehouse!

Costco Shop Cards

Les cartes “Achat” de Costco sont tout simplement des cartes-cadeaux que vous pourrez utiliser :

  • en entrepôt
  • aux postes d’essence de Costco
  • sur

Elles existent en différentes dénominations de 50 $ à 2 000 $. Vous pourriez par exemple acheter 3 cartes de 1 000 $ (la limite d’achat de cartes Achat de Costco étant de 10 000 $ par jour).

Et vous pouvez donc les acheter avec une carte de crédit VISA.


Moreover, it is now possible to receive them in digital version: you will not have to wait for a delivery by mail and will be able to use them quickly!

costco digital cash card

These Purchase cards can also be used by people who are not Costco members!

If you are a Costco member, you can pass on your membership to others: in exchange for this service, you will use your credit card to buy them a Shop Card (and they will send you an Interac as a refund)!

So you’ll earn Points and Cash Back on your VISA credit card 😉

Which VISA credit cards for Costco

The CIBC Costco Mastercard credit card

The CIBC Costco Mastercard is Costco’s official credit card. Read all about it in this article:

Frequently asked questions about Costco and credit cards

Does Costco accept Mastercard?

Yes, Mastercard credit cards are accepted at Costco in Canada.

Is Costco taking Amex?

Are Visa cards accepted at Costco?

No, Visa credit cards are not accepted directly at Costco in Canada. This article explains how to pay with a Visa card.

How can I pay at Costco?

In Canada, warehouses accept payment by cash, debit card and Mastercard.

Does Costco accept Apple Pay?

Yes, you can use your phone and your virtual wallet (Apple Pay, Samsung Pay, Google Pay) to pay for your purchases at Costco, with a Mastercard.

Come to discuss that topic in our Facebook Group!
Jean-Maximilien Voisine
Jean-Maximilien is an expert in Canada and France about Loyalty programs, Credit cards and Travel. He is the Founding President of Milesopedia.

Suggested Reading