Costco has some of the most loyal customers in retail — and for good reason. With low prices on everything from paper towels to medicine to 4k TVs, and one of the best return policies around, it’s no surprise why people love shopping at Costco.

But if you want to make the most of your Costco runs, you’ll want a credit card that rewards you for your spending. Since Costco only accepts Visa credit cards in-store, we’ve rounded up the best options to maximize your rewards and perks.

Here are the top two credit cards for shopping at Costco and how they can help you save more.

1. Wells Fargo Active Cash® Card

The Wells Fargo Active Cash® Card (see rates and fees) offers a generous 2% cash rewards on all purchases, making it a simple yet powerful choice for Costco shoppers who value consistency.

Key perks:

• Unlimited 2% cash rewards on all purchases
• No rotating categories and $0 annual fee
• APR offer on purchases and balance transfers for new cardholders

The unlimited 2% cash rewards apply to all Costco purchases, maximizing your savings without the need to track spending categories. Snag an Executive membership at Costco, and the additional 2% cash rewards means you’ll be earning double back on almost all of your Costco and Costco.com purchases.

Remember that Costco membership cash back is paid annually in Costco store credit.

2. Chase Freedom Unlimited®

The Chase Freedom Unlimited® card stands out for Costco shoppers who want flexible, easy-to-earn rewards without the hassle of tracking categories. While it doesn’t have specific Costco bonuses, its competitive cash back rates make it a worthy contender.

Key perks:

• 5% cash back on travel purchased through Chase Travel
• 3% cash back on drugstores, restaurants, takeout, and eligible food delivery
• 1.5% cash back on all other purchases, including those at Costco

The consistent 1.5% cash back on all Costco purchases provides a reliable way to earn rewards, especially when combined with additional perks like travel and dining bonuses. Plus, you can redeem rewards through the Chase Ultimate Rewards® portal for added value.

Honorable mentions

1. Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is the obvious choice for frequent Costco shoppers who routinely buy gas from Costco. You can get 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.

2. Bank of America® Customized Cash Rewards credit card

The Bank of America® Customized Cash Rewards credit card offers the flexibility to choose your 3% cash back category, making it ideal for shoppers who also spend heavily in categories like gas or online shopping. The card also offers 2% cash back at at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.

Upgrade your wallet today. Check out our list of best credit cards now.

Make the most of your Costco trips

Shopping at Costco can already save you money, but pairing your purchases with the right credit card can take your savings even further. Whether you prefer the dedicated perks of Costco Anywhere Visa® Card by Citi or the flexibility of flat-rate cash back, there’s a card here for every type of shopper.