Costco Online ↗ Credit Card Rewards
Maximize your rewards with the best credit cards for Costco Online
MCC Code
5300
Wholesale Clubs
Eligible Cards
2
Cards earn rewards
Top Rate
2x Miles (2 MPD)
No cap
Quick Answer
The best credit card for Costco Online is Capital One Venture X, earning 2x Miles (2 MPD)
With no cap, this card is ideal for online spending at Costco Online. Alternative options include Citi Double Cash.
Best Credit Cards for Costco Online
Capital One Venture X
No restrictions
2x Miles (2 MPD)
No cap
Special Conditions
Earns 2x on everything, 5x on travel via Capital One Travel portal. $395 annual fee.
Citi Double Cash
No restrictions
2% Cash Back (2 MPD equiv.)
No cap
Special Conditions
Earns 2% on everything (1% purchase + 1% payment). No annual fee.
Reward Calculator
Estimated Monthly Rewards
Frequently Asked Questions
What is the MCC code for Costco Online?
Costco Online uses MCC code 5300, which stands for “Wholesale Clubs”. This code determines which credit cards earn rewards at this merchant. Banks use MCC codes to categorize transactions and apply bonus rewards accordingly.
What credit cards work at Costco Online?
The best credit cards for Costco Online include:
- Capital One Venture X- 2x Miles (2 MPD) (no cap)
- Citi Double Cash- 2% Cash Back (2 MPD equiv.) (no cap)
Is Costco Online classified as online or offline spending?
Costco Online is classified as online spending. This affects card eligibility - some cards only earn rewards on online transactions. For example, cards like Citibank Rewards MasterCard only earn bonus rewards on online spend, while UOB Visa Signature only works for offline (contactless or foreign currency) transactions.
How can I maximize rewards at Costco Online?
To maximize rewards at Costco Online:
- Use Capital One Venture X for 2x Miles (2 MPD) on all transactions
- Be mindful of the monthly cap: no cap
- Consider pairing with Citi Double Cash for additional categories
- Track your spending to stay within bonus category limits