Apple Pay Guides
Apple Pay Guides

When you shop at Costco, you have several ways to pay. In Costco warehouses, you can use Visa credit cards, cash, PIN-based debit cards, Costco Shop Cards, personal checks, and EBT cards. You can also use mobile payments like Apple Pay, Google Pay, and Samsung Pay. If you’re shopping on, you can use all major credit cards, not just Visa. This means you can use cards like MasterCard, Discover, or American Express for online purchases. You can also use debit cards and Costco Cash Cards for online shopping. Keep in mind that in-store payment options are more limited compared to the flexibility offered for online purchases.

What payment methods are accepted at Costco?

U.S. Costco warehouse locations accept:

  • All Visa Cards
  • The Costco Anywhere Visa® Card by Citi
  • Most PIN-based Debit/ATM Cards
  • Costco Shop Cards*
  • Cash
  • Personal checks from current Costco Members
  • Business checks from current Costco Business Members
  • Traveler’s checks
  • EBT cards
  • Mobile Payment (Apple Pay, Google Pay, Samsung Pay)
  • FSA/HSA Visa or MasterCard Debit cards are accepted at Pharmacies, Optical and Hearing Aid Departments

U.S. Costco Gas Stations:

  • All Visa Cards
  • The Costco Anywhere Visa® Card by Citi
  • Most PIN-based Debit/ATM Cards
  • Apple Pay
  • Costco Shop Cards*

  • All Visa Cards
  • The Costco Anywhere Visa® Card by Citi
  • MasterCard
  • Most PIN-based Debit/ATM Cards
  • Costco Shop Cards*
  • Visa

Does Costco Accept Apple Pay?

Yes! Costco does accept Apple Pay along with other mobile payment options at all of their US warehouses including Google Pay and Samsung Pay.

Key Takeaways

  • Costco warehouses mainly accept Visa credit cards and other selected payment methods.
  • allows the use of all major credit cards and debit cards.
  • Payment options include Costco Shop Cards and mobile payments for member convenience.

Available Payment Options at Costco Warehouses

Costco warehouses offer multiple payment methods to accommodate various preferences and needs.

Credit and Debit Cards

Costco warehouses accept all Visa cards including the Costco Anywhere Visa Card by Citi. They also accept most PIN-based debit or ATM cards. However, Costco does not accept cards from networks like Discover, Diners Club, or American Express for in-store purchases.

Cash, Checks, and EBT

Shoppers can use cash or EBT cards at all Costco locations. Personal checks are accepted from existing Costco members. Business checks from current business members are also allowed. Costco even accepts traveler’s checks.

Digital and Mobile Payments

Mobile payment options such as Apple Pay, Google Pay, and Samsung Pay are accepted. These options offer a quick and secure way to purchase merchandise.

Costco Shop and Cash Cards

Costco Shop Cards and Costco Cash Cards can be used by members as well as non-members. These cards work at all Costco warehouses, including gas stations.

Alternative Payment Methods

At Costco’s optical and hearing aid departments, members can use FSA/HSA Visa or MasterCard debit cards. These departments are designed to accommodate health-related spending accounts.

Online Payment Options at

When shopping online at, customers have specific payment options. Understanding these can help ensure a smooth checkout process.

Accepted Online Payment Methods allows customers to use various payment methods. These include:

  • Visa Credit Cards: All Visa cards are accepted.
  • MasterCard: This is also a valid payment method.
  • Debit Cards: Customers can use most PIN-based Debit/ATM Cards.
  • Costco Anywhere Visa Card by Citi and Costco Anywhere Visa Business Card by Citi: Users can earn rewards and cash back on purchases.

Online Purchases with Costco Cash Cards

  • Costco Cash Cards: Members and non-members may use these for payments.
  • Value: Cards come in different amounts and can be used for partial payment with another method covering the balance.

Online Payment Security commits to keeping customer information secure. It uses advanced technology to protect against fraud and unauthorized transactions. Always review Visa FAQs for best security practices.

Delivery and Billing Addresses

  • Deliveries Within the United States: An address in the US is required.
  • Delivery Options Outside the U.S.: Currently, does not offer international shipping.
  • U.S. or Canadian Billing Address: A valid billing address from the US or Canada is necessary for online purchases.

Frequently Asked Questions

When shopping at Costco, knowing the accepted payment methods simplifies the checkout process.

What forms of payment are accepted in-store at Costco?

Costco warehouses accept several payment options. Shoppers can use PIN-based debit cards, Costco Shop Cards, cash, personal checks for existing members, traveler’s checks, EBT cards, and certain mobile payment platforms like Apple Pay, Google Pay, and Samsung Pay. The pharmacy, optical, and hearing aid departments also accept FSA/HSA Visa or MasterCard debit cards.

Can you use Mastercard credit or debit cards at Costco?

In-store Costco locations do not accept Mastercard credit or debit cards. Visa is the exclusive credit card used at Costco warehouses.

Is Apple Pay a valid payment method at Costco locations?

Apple Pay is accepted at Costco. Customers can use this mobile payment option for in-store purchases.

Does Costco accept American Express cards for payment?

Costco does not accept American Express cards for payment in-store or online. This is due to an exclusive agreement with Visa.

Are online payments for Costco purchases supported with PayPal? does not support PayPal as a payment method. Shoppers can use Visa, MasterCard, and the Costco Anywhere Visa Card by Citi instead.

What credit cards can you use when shopping at Costco online?

Shopping at, you can use all Visa cards, the Costco Anywhere Visa Card by Citi, and MasterCard. These offer convenience for online purchases.

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