Does Costco Accept Visa & MasterCard Gift Cards As Payment? 

Checking out at Costco, one of the largest retailers in the world has become incredibly simple and easy with all the various forms of payment the stores accept.

Many people have Visa gift cards that they want to use to purchase a wide range of essential supplies, so does Costco accept Visa gift cards for payment? Here is what I’ve found out!

Does Costco Accept Visa Gift Cards As Payment?

Costco does accept Visa gift cards as payment in warehouses and at Additionally, you can use MasterCard and Discover gift cards at only, but not in-store. Costco no longer accepts payment through any American Express cards or products.

If you want to know more about why Costco accepts all forms of Visa products, why it no longer accepts Amex, and what other forms of payment it accepts in-store and online, keep on reading!

Does Costco Accept Amex Gift Cards As Payment? 

Costco does not accept any kind of American Express gift cards (or any other Amex cards) for in-store or online purchases.

Even though Costco used to partner with American Express, all Amex products were made obsolete for Costco payments after their summer 2016 switch to Visa.

However, if you can find an online gift card marketplace that sells Costco cash cards and accepts Amex credit and gift cards for payment, you can purchase value in Costco cash cards that will be accepted in-store and online, for members and non-members alike. 

Does Costco Accept Discover Gift Cards As Payment? 

Although Costco warehouses do not accept Discover cards of any type for payment, you can use your Discover card or Discover gift card to check out at

Additionally, Costco’s online marketplace also accepts Discover products including JCB and Diner’s Club cards.

Does Costco Accept Mastercard Gift Cards As Payment? 

Unfortunately, you cannot use your Mastercard gift cards for payment at a Costco warehouse.

However, you can use Mastercard credit, debit, and gift cards to check out at This is because Costco’s online shopping portal accepts almost all types of cards and gift cards from major credit partners, including Mastercard.

What Forms of Payment Do Costco Warehouses Accept? 

Costco store locations in the U.S. accept the following: 

  • All Visa cards
  • Business checks from current Costco Business Members
  • Cash
  • Costco cash cards
  • Electronic Benefit Transfer cards
  • Mobile payment applications (including Apple Pay, Google Pay, and Samsung Pay)
  • Most PIN-based Debit/ATM Cards
  • Personal checks from current Costco Executive and Gold Star Members
  • The Costco Anywhere Visa Card by Citi
  • Traveler’s Checks

What Forms of Payment Does Accept? accepts the following for online checkout: 

  • All Visa cards
  • Costco cash cards
  • Discover Cards (includingJCBand Diner’s Club).
  • MasterCard
  • Most PIN-based Debit/ATM cards
  • The Costco Anywhere Visa Card by Citi
  • Visa Click-To-Pay

To learn more, you can see our other posts on if Costco accepts MasterCard, if Costco Gas accepts credit cards, and whether or not Costco sells Visa gift cards and Amazon gift cards.


You can use Visa gift cards as payment at Costco, both online and in-store, as well as any other type of Visa card. Your payment options in-store are limited, but’s checkout accepts other credit cards and gift cards—including Discover and Mastercard products. Amex products are not accepted at all, either online or in-store. 

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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