Best cards at Costco Gas Station
Costco Anywhere Visa Card by Citi earns the most at Costco Gas Station right now at 5%. Heads up: in store, Costco Gas Station only accepts Visa.
Rankings use issuer rates verified as of July 26, 2026.
Heads up: in store, Costco Gas Station only accepts Visa.
#15%5%Costco Anywhere Visa Card by Citi
Citi · Visa · up to $7,000/yr (combined) · Lower rate after the cap
#24%4%Costco Anywhere Visa Business Card by Citi
Citi · Visa · up to $7,000/yr (combined) · Lower rate after the cap
#33%3%Bank of America Customized Cash Rewards
Bank of America · Visa · Choose this category · up to $2,500/qtr (combined) · Lower rate after the cap
#43x3xChase Sapphire Preferred
Chase · Visa
#53%3%U.S. Bank Business Triple Cash Rewards Visa
U.S. Bank · Visa
#63x3xWells Fargo Autograph Card
Wells Fargo · Visa
#74x4xWyndham Rewards Earner Plus Card
Barclays · Visa
#83x3xMy Best Buy Visa Card
Citi · Visa
#92x2xAtmos Rewards Ascent Visa Signature
Bank of America · Visa
#102x2xSouthwest Rapid Rewards Plus Credit Card
Chase · Visa · up to $5,000/anniversary yr (combined)
Good to know at Costco Gas Station
Costco fuel is its own answer, separate from the warehouse aisle. The pumps take Visa only, exactly like the checkout inside, so a Mastercard or Amex that ranks well on a general gas page is simply unusable here. Sort the network question first and the rate question second, because the best card you cannot swipe is worth nothing at the pump.
The Costco Anywhere Visa Card by Citi is the reason this page exists as its own entry. It earns 5% on gas bought at Costco warehouse fuel stations, a full point above the 4% it pays at gas stations everywhere else, and both rates draw on the same combined $7,000 of gas spend per year before dropping to 1%. That cap is generous for most drivers but it is shared, so heavy non-Costco fueling eats into the 5% just as fast.
If you do not carry the Citi Costco card, your ordinary gas card is the fallback and it still has to be a Visa. Cards that pay a flat rate on everything tend to beat category cards here, since several strong grocery-and-gas cards run on Amex or Mastercard and never make it past the terminal.
The math
Spend $200 a month at Costco Gas Station and Costco Anywhere Visa Card by Citi returns about $120 a year at our valuations — a flat 2% card returns $48.
Common questions
- What is the best credit card at Costco Gas Station?
- Costco Anywhere Visa Card by Citi earns the most at Costco Gas Station right now at 5%. Heads up: in store, Costco Gas Station only accepts Visa.
- How does SwipeCaddy pick the best card at Costco Gas Station?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply Costco Gas Station's card-acceptance rules, so the "best" card is one you can actually use at the register.
- Why is Costco gas ranked separately from Costco the warehouse?
- Because the categories differ. Warehouse purchases fall under wholesale clubs, while fuel falls under gas, and several cards pay very different rates on the two. The Costco Anywhere Visa Card by Citi is the clearest example: it earns 5% at the pump and a much lower rate on a cart of groceries inside. Ranking them together would hide that gap.
- Can I use a Mastercard or Amex at a Costco gas station?
- No. Costco fuel stations accept Visa only, the same restriction that applies inside the warehouse. There is no online channel that loosens the rule the way costco.com does for merchandise, so the network filter here is absolute. Bring a Visa or you will not be able to pay at the pump at all.
Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.