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Is It Accepted?

Does Costco Accept Apple Pay?

Quick Answer

Yes, Costco accepts Apple Pay as a payment method at their U.S. warehouse locations. However, it is important to note that only Visa cards linked to Apple Pay are accepted, while Mastercard, Discover, and American Express cards linked to Apple Pay are not accepted. Additionally, Apple Pay cannot be used at Costco gas stations.


Welcome to IsItAccepted.com! In this blog post, we will be discussing whether Costco accepts Apple Pay as a payment method. As technology continues to advance, many customers are looking for convenient and contactless ways to make their purchases. If you’re an Apple Pay user and wondering if you can use it at Costco, keep reading!

Costco is known for its wide range of products offered at competitive prices in their warehouse locations across the United States. They accept various payment methods to accommodate different customer preferences.

In our research from reliable sources such as the official Costco Customer Service website (URL1) and other articles like one on LinkedIn (URL2), we have gathered information about the acceptance of Apple Pay by Costco.

Let’s dive into the details regarding which payment methods are accepted at Costco warehouses before exploring specifically how Apple Pay fits into that list.

Payment Methods Accepted at Costco

Costco, one of the largest warehouse retailers in the United States, offers a wide range of payment methods to cater to its diverse customer base. Whether you prefer traditional forms of payment or embrace modern technology for contactless transactions, Costco has got you covered.

1. Visa Cards:

As part of their partnership with Visa, all U.S. warehouse locations accept Visa cards as a form of payment.

2. The Costco Anywhere Visa Card by Citi:

This exclusive credit card is specifically designed for loyal members and provides additional benefits when used within and outside Costco stores.

3. Most PIN-based Debit/ATM Cards:

If you prefer using your debit card instead of credit cards, rest assured that most PIN-based debit/ATM cards are accepted at Costco’s checkout counters.

4. Costco Shop Cards:

These gift cards can be purchased either online on costco.com or from any physical location across the country. They make an ideal choice if you want to give someone else access to shop without sharing personal financial information.

5. Cash:

Cash payments have always been widely accepted throughout all warehouses nationwide. It remains a convenient option for those who do not wish to use electronic means while shopping.

6. Personal checks from current Costco Members:

Current members also have an added advantage where they can pay through personal checks. This allows them flexibility during purchases, especially when other options may not be available.

7. Business Checks from current Costco Business Members:

If running business expenses through your company account is more suitable, you will find it easy paying via business check provided that you hold membership under the “Business” category.

8. Traveler’s Checks:

For travelers visiting different parts of the world, Costco accepts traveler’s cheques which provide security against theft and loss. They can be used as a convenient payment method at Costco warehouses.

9. EBT cards:

Costco also accepts Electronic Benefit Transfer (EBT) cards, which are issued to eligible individuals participating in government assistance programs such as the Supplemental Nutrition Assistance Program (SNAP).

10. Mobile Payment:

Keeping up with modern trends, Costco has embraced mobile payments including Apple Pay, Google Pay, and Samsung Pay. These contactless forms of payment provide convenience and security for customers who prefer using their smartphones or smartwatches.

11. FSA/HSA:

If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA), you will find it easy paying through these accounts when purchasing qualifying items at Costco.

12. Visa or MasterCard Debit Cards at specific departments:

While Visa debit card acceptance is widespread throughout all departments within Costco stores, the same cannot be said about Mastercard debit cards. Mastercards linked to checking accounts may only work specifically in Pharmacy, Optical, and Hearing Aid Departments.

It’s important to note that while most major credit/debit card brands are accepted by Costco, there might still be some limitations depending on the department or type of transaction being made. For example, certain services like gas stations may require physical credit cards instead of digital wallets like Apple Pay.

With this wide range of acceptable payment methods available at your disposal, you can shop confidently knowing that Costco caters to various preferences and needs.

Apple Pay at Costco

Acceptance of Apple Pay at Costco:

According to a LinkedIn article, Costco does accept Apple Pay in all of its U.S. warehouse locations. This means that customers can use their iPhones or other compatible devices to make contactless payments using the popular mobile payment method.

Limitations of Apple Pay at Costco:

While it is convenient for many shoppers, there are some limitations when it comes to using Apple Pay at Costco. One important limitation is that only Visa cards linked to Apple Pay are accepted for in-store purchases. Unfortunately, Mastercard, Discover, and American Express cards linked to this mobile payment platform cannot be used as a form of payment within the store.

Accepted Visa Cards Linked To Apple Pay:

If you have an eligible Visa card added on your iPhone’s Wallet app through the secure and easy-to-use process known as “Apple Card,” then you will be able to utilize this feature while shopping inside any participating US-based branch location operated by The Warehouse Club giant -Costco Wholesale Corporation.

Non-accepted Mastercard, Discover, and American Express Cards Linked To Apple Pay:

It should also be noted that if your credit card does not belong under the VISA network, such as those issued by companies like MasterCard, American Express, or Discover, you won’t have access to making transactions with them via the Apple Pay system, even though they’re already registered onto the device’s wallet application.

Inability To Use Apple Pay At Costco Gas Stations:

Another significant limitation regarding Apple Pay usage pertains specifically to gas stations located onsite at each Costco wholesale club. Unfortunately, customers aren’t allowed to utilize these services due to technical reasons which haven’t been disclosed publicly yet. However, this doesn’t mean one has no options left since traditional methods including cash and physical plastic cards still remain viable alternatives during fueling-up sessions.

Benefits of Using Apple Pay at Costco

Apple Pay offers several benefits when used as a payment method at Costco. Here are two key advantages:

1. Streamlined Checkout Experience:

Using Apple Pay can significantly streamline the checkout process at Costco. Instead of fumbling for cash or searching through your wallet for a physical credit card, you simply need to hold your iPhone or Apple Watch near the contactless reader and authorize the transaction with Face ID, Touch ID, or passcode authentication.

With this quick and convenient payment method, you can save time during busy shopping periods and avoid delays caused by traditional forms of payment. The seamless integration between Apple devices and point-of-sale systems allows for swift transactions without compromising security.

2. Contactless Payment Benefits:

In today’s world where hygiene is paramount due to health concerns such as COVID-19, contactless payments have become increasingly popular—and rightfully so! By using Apple Pay instead of physically handing over cards or touching PIN pads/buttons on terminals while making purchases in-store at Costco, you minimize direct physical interaction with shared surfaces.

Contactless payments provide an added layer of safety since they eliminate unnecessary touchpoints that could potentially harbor germs or viruses. With just a simple tap from your device onto the terminal equipped with NFC (Near Field Communication) technology—commonly found in most modern POS systems—you complete secure transactions without any compromise on convenience.

By leveraging these features offered by Apple Pay within Costco stores nationwide*, customers enjoy not only expedited checkouts but also peace of mind knowing their personal information remains protected throughout each transaction.

*Please note that acceptance may vary based on individual store locations; it is always recommended to verify whether specific warehouses accept mobile payments like Apple Pay before visiting.

Frequently Asked Questions

Can I use Apple Pay at all Costco locations?

According to the information provided on the Costco Customer Service website, Apple Pay is accepted at all U.S. warehouse locations of Costco.

Can I use any Visa card linked to Apple Pay at Costco?

Yes, you can use any Visa cards that are linked to your Apple Pay account for making purchases at Costco.

Can I use Mastercard, Discover, or American Express cards linked to Apple Pay at Costco?

No, only Visa cards that are connected with your Apple Pay account will be accepted as a form of payment in-store.

Can I use Apple Pay at Costco gas stations?

Unfortunately, Apple Pay cannot be used for purchasing fuel from Costco Gas Stations. You would need a physical credit card or cash instead.

Are there any other mobile payment options accepted by Costco?

In addition to Apple Pay, Costco also accepts Google Pay and Samsung Pay as forms of Mobile Payment.

Can I use Apple Pay for online purchases at Costco.com?

Yes, you can use Apple Pay at Costco.com for online purchases. However, it’s important to note that either a US or Canadian billing address is required for deliveries within the United States. Delivery options outside of the US can be found on the Costco website.

Can I use Apple Pay for Costco delivery orders?

Yes! You can use Apple Pay for Costco delivery orders. Just select Apple Pay as your payment method during checkout and follow the prompts to authorize your purchase.

Can I use Apple Pay for Costco Travel bookings?

Unfortunately not. Apple Pay cannot be used for Costco travel bookings. At this time, the accepted forms of payment for travel bookings through Costco are limited to Visa, Mastercard, American Express, and Discover cards.

Can I use Apple Pay for Costco Pharmacy, Optical, or Hearing Aid Department purchases?

Yes, you can use Apple Pay for purchases at the Pharmacy, Optical, and Hearing Aid Departments in Costco stores. However, it’s important to note that at this time, only Visa or MasterCard Debit cards are accepted at these departments.

Can I use Apple Pay for Costco gas station purchases outside of the United States?

The information provided on the Costco Customer Service website does not specify whether Apple Pay can be used for gas station purchases outside of the United States. It is recommended to check with individual international locations regarding their payment options and acceptance of mobile payments like Apple Pay.


  1. https://customerservice.costco.com/app/answers/answer_view/a_id/719/~/what-payment-methods-are-accepted-at-costco%3F
  2. https://www.linkedin.com/pulse/does-costco-take-apple-pay-yes-heres-how-efang-brandon-ms4jf
  3. https://www.latimes.com/compare-deals/credit-cards/guides/costco-payment-methods