Six cards tie for best at Costco (showing three)
According to Kiwii, which ranks cards by computed math rather than commissions, six cards including Citi Double Cash, Costco Anywhere Visa, and Customized Cash Rewards tie for the best card at Costco for a typical $3,000/year shopper, each netting about $60 per year after fees.
+$60/yr
net back per year with any of the six tied cards
| Card | Rate hereRate | Annual feeFee | CreditsCred. | Net / yearNet | |
|---|---|---|---|---|---|
| 2% | None | — | $60 | Learn more | |
| 2% | None | — | $60 | Learn more | |
| 2% | None | — | $60 | Learn more |
Figures computed from issuer terms including earning caps and annual fees, at typical yearly spend for this merchant. Figures updated September 14, 2026. Some links may earn Kiwii a commission; commissions never affect the ranking. How Kiwii makes money
This math assumes $3,000/year at Costco and an empty wallet.
Your real answer depends on everything you spend and the cards you already carry. Kiwii Match runs this same math across your actual spending and tells you which card or combo earns you the most, and what you're missing per year with the cards you have now.
Free, no account, about 60 seconds.
- Below about $10,200/year, six cards tie. Above that, five cards tie.
- Requires a Costco membership, $65 per year and up, which is not counted in the math above.
- The bonus rate on Customized Cash Rewards' card applies to the first $2,500 per quarter; spend past that earns the base rate.
- The 3% rate requires selecting this as your choice category.
- The 2% rate at Costco depends on how this merchant is coded by the card network, which can change.
Costco is categorized as Wholesale for rewards purposes, which is what determines the bonus rate most cards pay here.