Best card for Costco
At Costco, Robinhood Gold Card earns an estimated 3.00% back: 3x × 1¢ point value. On $100, that is about $3.00 back (estimate).
Costco warehouses take Visa credit cards only, so the best card here has to be a Visa first -- and the co-brand card is not the highest earner.
Best card · Costco
Robinhood Gold Card
3x × 1¢ = 3.00%
On $100, that is about $3.00 back (estimate).
Annual fee: $0.
The card itself has no annual fee, but it is only available to paying Robinhood Gold members.
Top 3 compared
| Card | Earn math | Estimated return | Annual fee | Foreign transaction fee |
|---|---|---|---|---|
| Robinhood Gold CardThe card itself has no annual fee, but it is only available to paying Robinhood Gold members. | 3x × 1¢ | 3.00% | $0 | None |
| Capital One Venture Rewards Credit Card | 2x × 1.4¢ | 2.80% | $95/yr | None |
| Capital One Venture X Rewards Credit Card | 2x × 1.4¢ | 2.80% | $395/yr | None |
How is this ranking computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
Ranked across 91 cards open to new applicants in DanHana's catalog (debit cards and cards closed to new applicants excluded).
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
A payment place's category comes from DanHana's merchant map; if a specific location codes differently, the card falls back to its everything rate.
This page ranks the full catalog. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best at Costco may differ.
Some bonus rates have annual caps -- the panel flags the ones that matter for the winners above.
Questions about paying at Costco
What is the best card for Costco?
At Costco, Robinhood Gold Card earns an estimated 3.00% back: 3x × 1¢ point value. On $100, that is about $3.00 back (estimate).
Can I use any credit card at Costco?
No -- in a Costco warehouse, Visa is the only credit card network accepted, so Mastercard, American Express and Discover credit cards are declined at the register. Costco's online checkout accepts more card networks than the warehouse does. That is why the ranking on this page only counts Visa cards.
I already have the Capital One Venture Rewards Credit Card. Should I switch?
Capital One Venture Rewards Credit Card earns 2.80% -- about $0.20 less per $100 than the top card (estimate). No need to switch for this one category alone; it only pays if you spend a lot here.
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
- How DanHana ranks cards (Methodology)
- About DanHana
- Smart recommendations (feature)
- Robinhood Gold Card official page
Page updated: October 28, 2026