Point Me To First Class
113. 4 Ways to Maximize Points for Costco Spend (Without Overcomplicating It)
Apr 28, 2025
Discover how to supercharge your Costco shopping trips with strategic credit card usage. Learn four effortless ways to earn maximum points, whether you’re shopping in-store or online. The discussion highlights which cards work best and provides tips for using methods like Instacart. Find out how to align your spending habits with your points goals, making your shopping experience both rewarding and simple!
20:10
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Quick takeaways
- To maximize points at Costco, it's essential to choose the right Visa credit card that aligns with your purchase habits.
- Shopping online at Costco.com or using Instacart allows for greater flexibility in payment options, boosting potential points earned.
Deep dives
Understanding Costco Payment Mechanics
Costco has specific payment acceptance rules that significantly impact points earning strategies. Since 2016, the warehouse only accepts Visa credit cards for in-store purchases, which limits options for points accumulation. Additionally, purchases at Costco are categorized as wholesale club spend, not grocery, meaning no traditional grocery bonus categories apply when using a credit card. It's crucial for shoppers to recognize these coding practices and payment restrictions to maximize points earned during their Costco visits.
