Does Costco Accept Afterpay? (All You Need to Know)

Buy-now-pay-later financing options have become popular among shoppers looking to make purchases and pay them off over a certain period.

So, if you regularly shop at Costco, you might be wondering whether the warehouse club accepts payment methods like Afterpay. If so, keep reading to learn more!

Does Costco Accept Afterpay In [currentyear]?

Unfortunately, Costco does not accept Afterpay in [currentyear]. Rather, Costco has other payment plans that customers can use. Costco takes Zip, formerly known as Quadpay, allowing shoppers to pay for products in installments. Costco also accepts all Visa cards, Mastercard, debit and ATM cards, Costco shop cards, Apple Pay, Google Pay, and Samsung Pay.

To learn more about whether Costco accepts Afterpay and which payment methods you can use, read on for useful facts and tips!

Why Doesn’t Costco Accept Afterpay?

Costco doesn’t accept Afterpay because the company has other payment methods for customers to use.

Therefore, you can’t use this payment whether you are shopping in-store or online.

However, this doesn’t mean that Costco refuses other buy-now-pay-later financing plans. In fact, if you need to use such a platform, you can choose the other options like Zip.

Does Costco Take Buy-Now-Pay-Later Payments?

Like most retailers, Costco accepts buy-now-pay-later financing. You can use Zip, previously known as Quadpay, to make purchases at Costco.

For this deal with Zip, Costco customers can pay for their purchases in 4 installments over 6 weeks.

With this method, customers are expected to pay 25% of the total cost upfront and split the rest over the payment period.

To use Zip, Costco customers need to download the Zip app, search for Costco, and add their items to the shopping cart. At checkout, tap “Pay with Zip” to process the payment.

Installment payments are automatically deducted from your linked credit or debit card every two weeks.

Additionally, Zip sends Costco customers notifications to ensure they don’t miss a payment.

If you’re shopping in-store at Costco, select the in-store tab on the Zip app, enter the total purchase amount, and confirm the amount to generate a virtual card.

Next, add the Zip virtual card to Google Play or Apple Wallet for easier access and complete the payment.

What Other Payment Methods Can You Use at Costco?

What Other Payment Methods Can You Use at Costco?

Costco accepts different types of payment methods depending on where you shop, so let’s look at each of them in more detail:

If you shop at U.S. warehouse locations, you can use the following:

  • Visa cards
  • Most PIN-based debit or ATM cards
  • The Costco Anywhere Visa Card by Citi
  • Cash
  • Costco Shop cards
  • Traveler’s checks
  • Personal checks from Costco members
  • EBT cards
  • Business checks from Costco members
  • Mobile payment via Google Pay, Apple Pay, and Samsung Pay

If you prefer to shop online via, the company accepts the following:

  • Costco Shop cards
  • All Visa cards
  • MasterCard
  • The Costco Anywhere Visa Card by Citi
  • Discover cards such as JCB and Diners Club
  • Most PIN-based debit or ATM cards

At Costco gas stations, you can use the following:

  • The Costco Anywhere Visa Card by Citi
  • All Visa cards
  • Most PIN-based debit/ATM cards
  • Costco Shop cards

Do You Have to Pay Interest for ‘Buy Now Pay Later’ Services at Costco?

If you’re using buy-now-pay-later financing such as Zip at Costco, you won’t be charged interest.

However, you might incur late payment fees when the installment is late; therefore, you need to confirm that with the store.

Which Other Stores Accept Afterpay?

Now that we’ve established Costco doesn’t accept Afterpay, are there other stores that accept this buy-now-pay-later form of financing? Let’s take a look at the following companies:


Target accepts Afterpay; however, it’s only available in the U.S. through and the Target app; therefore, you can’t use this buy-now-pay-later service in-store.

When shopping online, you can use the Afterpay app or the Afterpay card you get via the app.

Fortunately, you don’t need to log into the account if you have the card- you’ll just use the card like any other debit or credit card.

However, keep in mind that there is an Afterpay limit. To use Afterpay on, you have to spend a maximum of $1,000 and a minimum of $1.

Therefore, you need to keep track of your purchases to ensure that you don’t go past this limit.

Bed Bath & Beyond

You can also use Afterpay at Bed Bath & Beyond retail stores.

When shopping at this store with Afterpay, your first payment will be made at the time of purchase, and the remaining three payments will be deducted every two weeks.

However, you can choose to make additional payments ahead of your scheduled dates.

While Afterpay is available for purchases at Bed Bath & Beyond, there is a minimum limit of $10 when shopping online or in-store.

Therefore, you’re recommended to check the Afterpay app for the pre-approved amount that you’re able to spend.

Additionally, keep in mind that you can’t use Afterpay to purchase gift cards at Bed Bath & Beyond.

How Does Afterpay Work?

If your retailer has Afterpay, you can buy products now and pay later at no interest. Shoppers can pay for the product within 6 weeks over four installments.

Although Afterpay doesn’t specify the minimum purchase amount, you’ll need to align to the set requirements from the retailer.

To use this service, you need to download the Afterpay app and sign up to open an account.

During checkout, you can choose Afterpay as your payment method. In addition, you can add the card to a digital wallet like Apple Pay to make payments easier.

To know more, you can also read our posts on whether or not Costco accepts GoodRx, does Costco accepts Mastercard, and does Costco accepts Amex.


Costco does not accept Afterpay, but it has other payment plans that customers can use. Costco takes Zip, formerly known as Quadpay, allowing shoppers to pay for products in installments.

Costco also accepts all Visa cards, Mastercard, debit and ATM cards, Costco shop cards, Apple Pay, Google Pay, and Samsung Pay. Additionally, you can use cash, EBT cards, or checks when shopping in-store.

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Mackenzie Jerks

Mackenzie is a freelance writer and editor, published author, and music enthusiast who holds a Bachelor of Science in Business Administration. When she’s not writing, Mackenzie is either wrapped up in a book, discovering new music, or introducing herself to a new fitness regimen.

1 thought on “Does Costco Accept Afterpay? (All You Need to Know)”

  1. I use Afterpay at Costco all the time. Afterpay offers a digital card to customers for in store use, as long as the store has Google Pay and is a merchant Afterpay works with. You just use the in store option in Afterpay and select the amount you need, then you use Google Pay at the register with your phone. I am able to spend up to $1,000 at Costco using Afterpay, but did get a decline after going above $1,000.

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