What Is a Costco Card?

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Whether you’re a frequent shopper at Costco or just considering a membership, you’ve probably heard about the Costco Card. But what exactly is it, and what benefits does it offer? In this comprehensive guide, we’ll delve deep into the details of the Costco Card, its various types, and how to maximize its benefits.


A Costco Card, also known as a Costco membership card, is a card that gives you access to Costco, a retail giant that sells a variety of products in bulk at discounted prices. There are different types of Costco cards, including the Gold Star Membership, Business Membership, and Executive Membership, each offering unique benefits. The card also offers various discounts and the opportunity to earn cash back on purchases.

What is a Costco Card?

A Costco Card, more formally known as a Costco membership card, is a key that grants you access to the Costco warehouse club, a retail giant that sells a wide range of products in bulk at discounted prices. There are various types of Costco memberships, each with its own unique set of benefits.

Different Types of Costco Cards

  1. Gold Star Membership ($60 per year): The basic membership option for individuals, this card grants access to all Costco locations worldwide and includes a free Household Card.
  2. Business Membership ($60 per year): Designed for business owners, this card allows you to purchase products for business and resale use. It also includes a free Household Card and the option to add Affiliate Cardholders for $60 each.
  3. Executive Membership ($120 per year): This premium membership offers an annual 2% reward on qualified Costco purchases (up to $1,000) and greater savings on Costco services and select Costco Travel products.

Applying for a Costco Card

To apply for a Costco membership, you can either visit the membership desk at any Costco warehouse or sign up online. Membership is available to all qualifying individuals who are 18 years of age and over. For the Costco Anywhere Visa® Card by Citi, you must be at least 18 years old with a valid Social Security number and an excellent credit score (750 or higher).

Benefits of a Costco Card

Costco cardholders can expect various benefits, such as food and grocery discounts, gas discounts, clothing and home goods discounts, travel discounts, and auto discounts. For the Costco Anywhere Visa Card, cardholders can earn 4% cash back on eligible gas and EV charging purchases, 3% back on restaurants and eligible travel purchases, 2% back on Costco and purchases, and 1% back on all other purchases.

Maximizing Your Rewards

To maximize rewards, cardholders should use their card for all purchases, shop during double cash back events, leverage bonus categories, and take advantage of various perks and protections. It’s important to note that the cash back earned is provided once a year via an annual reward certificate after the February billing statement closes.

Potential Drawbacks

While the Costco Card offers many benefits, there are a few potential drawbacks to consider. These include the redemption of rewards only once per year, the requirement of an active Costco membership, the lack of a welcome bonus, and the limitation to Visa credit cards.


Whether you’re a frequent Costco shopper or just considering a membership, the Costco Card offers a variety of benefits that can help you save money. However, it’s important to consider the potential drawbacks and weigh them against the benefits to determine if the Costco Card is the right choice for you. As with any financial decision, careful consideration and research are key to making the best choice for your situation.

Frequently Asked Questions

Can I use my Costco Card at other retailers?

No, the Costco membership card is exclusive to Costco warehouses and However, the Costco Anywhere Visa Card by Citi can be used anywhere Visa is accepted.

Do I get instant access to my Costco membership after I apply?

Yes, if you apply for your Costco membership in person at a Costco warehouse, you’ll receive your membership card immediately. If you apply online, you will receive a digital membership card for immediate use at

Can my family members use my Costco Card?

Family members over the age of 18 who live at the same address can be added to certain memberships as a Household Cardholder. However, they cannot use the primary member’s card.

Can I cancel my Costco Card if I’m not satisfied?

Yes, Costco offers a risk-free 100% satisfaction guarantee. If you’re not satisfied with your membership, you can cancel at any time and get a full refund of the unused portion of your membership fees.

Is there a limit to how much cash back I can earn with the Costco Anywhere Visa Card by Citi?

Yes, you can earn 4% cash back on eligible gas purchases for the first $7,000 per year and then 1% thereafter. Other categories do not have a cap.

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