Does Costco Take Care Credit? (All You Need To Know)

Care Credit is a credit card line specifically used for care items. Typically, it is used at doctor’s offices and hospitals; however, some stores also accept it.

No matter where you use it, you can only buy care items. To find out if you can use Care Credit to purchase bulk items at Costco, check out all my research on the matter below!

Does Costco Take Care Credit In [currentyear]?

Costco does not accept Care Credit, and it is doubtful that it will accept Care Credit at any point in the future since it has a partnership with Visa that limits the credit cards it can take as of [currentyear]. However, Costco does take most other payment methods, including cash, checks, and debit cards.

Keep reading for everything you need to know about accepted payment methods before heading to Costco!

What Payment Methods Does Costco Accept?

While Costco does not accept Care Credit, it takes many other major payment sources. For instance, you can pay for your items using cash and checks.

Additionally, Costco also accepts debit cards, credit cards, and Costco cash cards. Fortunately, Costco accepts most of the major payment methods.

However, less common methods like Care Credit are not likely to be taken.

With that, Costco car washes and gas stations do not accept cash, checks, or EBT, and you need to pay with a card at these locations.

Does Costco Take Credit Card Payments?

Currently, Costco has a deal with Visa. Therefore, it only accepts Visa credit cards at its stores.

Further, you cannot use a credit card backed by the other three main networks, including American Express, Mastercard, and Discover. However, this only applies if you shop in-store.

For one reason or another, you can pay with both Mastercard and Discover cards when you purchase on its website or through the Costco app.

Often, many people avoid Costco if they do not have a Visa card. While you don’t necessarily have to do this (Costco accepts cash and debit cards), it may be a better idea if you’re set on paying with a credit card.

Can You Finance At Costco?

Can You Finance At Costco?

You cannot finance larger purchases at Costco. However, you can use a Costco credit card, which can also be used anywhere that Visa cards are accepted.

Moreover, this credit card is one of Costco’s benefits in its Visa card partnership. On top of allowing you to finance bigger purchases, you can also earn rewards using this credit card.

But, it is particularly great for gas purchases. Plus, there is no annual fee as long as you have a Costco membership.

Does Costco Take Capital One?

You cannot use the Capital One Quicksilver card at Costco because it is a Mastercard, which Costco does not accept.

As previously mentioned, Costco only allows cards in the Visa network to be used in stores. Still, you may be able to use this card online, as Costco’s online vendor goes by different rules.

Does Costco Have A Layaway Plan?

Currency, Costco does not offer a layaway plan of any sort. However, you may be able to use some third-party layaway plans, such as eLayaway.

Of course, this will be through a third-party site and not supported by Costco. That said, be sure to look at the conditions and requirements before signing up.

Can You Use A Non-Member Credit Card At Costco?

You do not need to use a Costco Credit Card specifically at its stores. However, Costco only accepts Visa cards at its in-person locations.

Therefore, you cannot use any credit card brand when shopping at a warehouse. However, Costco does accept some non-member cards online and through its app.

Of course, you can always pay with “normal” payment methods.

To learn more, you can also read our posts on whether or not Costco accepts GoodRx, if Costco accepts Visa & Mastercard gift cards, and if Costco accepts Amex.


Costco does not accept Care Credit or several other credit cards either. With that, Costco currently has an arrangement with Visa, so it only accepts Visa cards.

However, Costco also takes other standard payment methods, including cash, checks, and debit cards.

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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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