Costco bulk buys, cheap gas, and Kirkland quality make it a shopping powerhouse. But limited payment options (Visa only) and membership fees mean choosing the right credit card is crucial for maximizing rewards.

Average Costco trips ($200+) across groceries, gas, and household goods favor flat-rate 2% cash back Visa cards. Heavy gas buyers can hit 5% with category pickers. The Costco Anywhere Visa shines for members (4% at Costco), but general cards offer flexibility.

Remember: Costco charges no credit card surcharge on their Visa, but only Visa works in warehouses. Gas pumps accept Visa too. Rewards add up fast on $5k+ annual spend. Pair with Executive membership (2% Costco rewards) for stacking.

Our picks based on 'everything' category rates (Costco coded as general purchase).