Card Optimizer

Best credit card for Costco

The card that earns the most on a $100 purchase at Costco, out of the 106 cards we track.

Top pick

Robinhood Gold Card

$3.00 on $100

3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

  • 3% cash back base rate.
See which of your cards wins at Costco

Also worth a look

  • Runner-up

    Capital One Venture Business

    $2.80 on $100

    2.8% back · $95 annual fee

  • Also good

    Capital One Venture X Business

    $2.80 on $100

    2.8% back · $395 annual fee

  • Also good

    Capital One Venture X Rewards

    $2.80 on $100

    2.8% back · $395 annual fee

  • Best with no annual fee

    Chase Freedom Unlimited

    $2.25 on $100

    2.25% back · $0 annual fee

See the top 10 at Costco with rates, fees and why each earns what it does

  1. Robinhood Gold Card

    3% back · $0 annual fee · needs Robinhood Gold ($50 a year)

    $3.00 on $100

    • 3% cash back base rate.

  2. Capital One Venture Business

    2.8% back · $95 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  3. Capital One Venture X Business

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  4. Capital One Venture X Rewards

    2.8% back · $395 annual fee

    $2.80 on $100

    • 2x points base rate.
    • 200 Capital One Miles valued at 1.4¢ each.

  5. Chase Freedom Unlimited

    2.25% back · $0 annual fee

    $2.25 on $100

    • 1.5x points base rate.
    • 150 Chase Ultimate Rewards points valued at 1.5¢ each.

  6. Chase Ink Business Unlimited

    2.25% back · $0 annual fee

    $2.25 on $100

    • 1.5x points base rate.
    • 150 Chase Ultimate Rewards points valued at 1.5¢ each.

  7. Fidelity Rewards Visa Signature

    2% back · $0 annual fee

    $2.00 on $100

    • 2% cash back base rate.

  8. Navy Federal cashRewards Plus

    2% back · $0 annual fee

    $2.00 on $100

    • 2% cash back base rate.

  9. Wells Fargo Active Cash

    2% back · $0 annual fee

    $2.00 on $100

    • 2% cash back base rate.

  10. Citi Costco Anywhere Visa

    2% back · $0 annual fee · needs Costco ($65 a year)

    $2.00 on $100

    • 2% cash back at Costco.