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Guide

Does Costco count as a grocery store for credit card rewards?

No. Costco is classified as a warehouse club, not a supermarket, so grocery bonus cards pay their base rate there. US Costco warehouses also take only Visa credit cards, which narrows the choice before rewards come into it.

Warehouse clubs are their own category

Every merchant carries a category code assigned by its payment processor. Costco, Sam's Club and BJ's sit under wholesale or warehouse clubs, a separate code from supermarkets.

Most cards that advertise a grocery bonus write it against US supermarkets and list warehouse clubs as an explicit exclusion. The food in the cart does not change the code.

A small number of cards do name wholesale clubs as a bonus category of their own. If you shop at a warehouse club often, that is the clause to look for, not the grocery one.

The card network decides first

In the US, Costco warehouses accept Visa credit cards and debit cards from most networks, but not Mastercard, American Express or Discover credit cards. A grocery card on another network cannot be used at the register at all.

That makes the realistic choice at the warehouse the best Visa card you carry. Often that is a flat-rate card or a card with a broad everyday category.

Costco's own Visa pays its highest rates on gas at Costco, then restaurants and travel, then Costco purchases, with a cap on the gas category. Compare it on those categories rather than on groceries.

Costco gas is a different question

Fuel at a Costco station is usually coded as a gas station, separately from the warehouse. Cards with a gas bonus generally earn it at the pump even when they earn the base rate inside.

The Visa-only rule applies at the pump too, so the best gas card you hold only helps if it runs on Visa.

If you fill up and shop on the same trip, two different cards can be the right answer within a few minutes of each other.

Common follow-ups

Does Sam's Club count as a grocery store for credit cards?
No. Sam's Club is a warehouse club like Costco, and most supermarket bonuses exclude it. Unlike Costco, Sam's Club accepts all major card networks, so more of your cards are usable there.
Can I use a Mastercard at Costco?
Not a Mastercard credit card at a US warehouse. Costco accepts Visa credit cards in its US warehouses. Costco's website accepts a wider set of cards, so the best online choice can differ.
Does Costco gas count as gas for rewards?
Usually yes. Costco fuel stations generally code as gas stations, so gas bonuses apply. Check that the card you want to use is a Visa first.

Figures come from issuer terms published at the time of writing and are estimates, not guarantees. Your own card agreement governs what you earn. Updated October 2026.

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CardSwipe support will never ask for account numbers, passwords, card numbers, or any other credential, for any reason. Reward rates are estimates based on published issuer terms, not guarantees. CardSwipe is not affiliated with, endorsed by, or sponsored by any card issuer named on this site, and carries no paid placement: rankings are computed from published issuer terms alone.