If you’re a frequent shopper at Costco, you may be wondering whether the warehouse giant accepts Apple Pay. After all, Apple Pay is a convenient and secure way to pay for purchases, and it’s widely accepted at many retailers. So, does Costco take Apple Pay?

The answer is yes. Costco accepts Apple Pay but with some limitations. You can use Apple Pay in-store but not at gas stations. Also, to pay with Apple Pay, you must have your Visa credit card or debit card linked to your Apple wallet.

Does Costco Take Apple Pay

Does Costco Take Apple Pay?

If you are wondering whether Costco accepts Apple Pay, the answer is yes, but there are some limitations.

Here’s what you need to know about payment methods at Costco.

Costco is a membership-only warehouse club that sells various products, from groceries to electronics.

It is known for its low prices and high-quality products but has slowly adopted new payment technologies.

However, in recent years, Costco has started accepting Apple Pay in its stores.

To use Apple Pay at Costco, you need to have a Costco membership and an iPhone or Apple Watch that supports Apple Pay.

When you are ready to check out, hold your iPhone or Apple Watch near the contactless reader at the register.

You will then be prompted to authorize the Touch ID or Face ID payment.

It’s important to note that not all Costco stores accept Apple Pay. Some stores may have outdated payment systems that do not support contactless payments.

Also, Costco’s gas stations do not currently accept Apple Pay.

What Payment Methods are Accepted at Costco?

When shopping at Costco, you have a variety of payment options to choose from. Here are the payment methods that are accepted at Costco:


You can pay with cash at any Costco location. However, keep in mind that some locations may not accept bills larger than $20.

Debit Cards

Costco accepts all debit cards, including Visa, Mastercard, and Discover.

Credit Cards

Costco only accepts Visa credit cards. You can use a Visa debit card instead if you don’t have a Visa credit card.

Costco Shop Cards

If you have a Costco Shop Card, you can use it to pay for your purchases at any Costco location.

Online Payment

When shopping online at Costco, you can pay using Visa, Mastercard, Discover, or American Express.

Limitations of Using Apple Pay at Costco

While using Apple Pay at Costco can be a convenient and quick way to make purchases, there are some limitations to remember.

Firstly, not all Costco stores accept Apple Pay. While many locations across the United States have updated their payment systems to allow for contactless payments, some stores may not have made the switch yet. I

t is always a good idea to check with your local Costco to see if they accept Apple Pay before using it.

Secondly, there are transaction limits when using Apple Pay at Costco. According to Costco’s website, the maximum amount that can be charged to Apple Pay is $2,500 per transaction.

If your purchase exceeds this amount, you must use another payment method.

Another limitation of is that it cannot be used to make online purchases through the Costco website.

Finally, it is important to note that using Apple Pay may not earn you rewards or cashback that you would normally receive when using a Costco credit card.

If you want rewards or cashback, using a Costco credit card may be best instead of other methods.

How to Use Apple Pay at Costco

Using Apple Pay is a quick and easy process. Here are the steps to follow:

  1. Ensure your iPhone or Apple Watch is updated to the latest version of iOS or watchOS, respectively.
  2. Add your credit or debit card to the Wallet app on your device. You can enter the security code if your card is already on file with iTunes.
  3. Hold your device near the contactless payment terminal when you’re ready to pay at Costco.
  4. Use Touch ID or Face ID to authenticate the payment.

It’s important to note that not all locations accept Apple Pay.

Alternatives to Apple Pay at

If you’re unable to use Apple Pay at Costco, don’t worry; other payment options are still available. Here are some alternatives you can consider:

  • Costco Anywhere Visa® Card by Citi: This credit card is exclusively for Costco members and can be used to make purchases in-store and online. Plus, you can earn cashback rewards on your purchases.
  • Debit Cards: Costco accepts all debit cards, including Visa, Mastercard, and Discover. You can use your debit card to purchase at the store or online.
  • Cash: If you prefer to use cash, you can pay for your Costco purchases with cash at the checkout counter.
  • Costco Shop Card: You can also use a Costco Shop Card to purchase at Costco. These cards can be purchased online or in-store and can be used like cash.

Frequently Asked Questions

Can I use my Capital One card at Costco?

Yes, you can use your Capital One credit card at Costco. Costco accepts all Visa credit cards, including Capital One.

Does Costco accept American Express?

No, Costco does not accept American Express. Costco only accepts Visa credit cards.

Is it possible to pay with a credit card at Costco?

Yes, you can pay with a credit card at Costco. However, Costco only accepts Visa credit cards.

Why does Costco only accept Visa?

Costco has an exclusive partnership with Visa, so they only accept Visa credit cards. This partnership allows Costco to offer lower transaction fees to its customers.

Can I use my MasterCard debit card at Costco?

No, you cannot use your MasterCard debit card at Costco. Costco only accepts Visa credit cards. However, you can use a Visa debit card or pay with cash or check.