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113. 4 Ways to Maximize Points for Costco Spend (Without Overcomplicating It)

19 snips
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!
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INSIGHT

Costco Payment & Coding Insight

  • Costco only accepts Visa credit cards for in-store purchases, not MasterCard or Amex credit cards.
  • Costco codes as a wholesale club, so purchases don't qualify for grocery bonus categories on rewards cards.
ADVICE

Optimize Card Choice by Purchase Type

  • Use a Visa rewards card offering 1.5 to 2 points per dollar for in-store Costco purchases.
  • When shopping online at Costco.com, use MasterCard cards with strong returns since Costco accepts both Visa and MasterCard online.
ADVICE

Earn More Points via Instacart

  • Use Instacart to shop Costco and pay with cards that earn bonus points for groceries.
  • Stack points by also using shopping portals that offer extra miles or cashback on Instacart purchases.
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