Does Costco Take Apple Pay? Your Complete Guide


Ever wondered if your shopping trip to Costco can be even more convenient? Look no further than Apple Pay! While exploring Costco’s payment methods, you might be surprised to learn that Apple Pay is accepted, offering a secure and contactless way to pay for your purchases.

However, there are a few key things to know. While Visa credit cards, including the Costco Anywhere Visa® Card by Citi, are accepted through Apple Pay, other major brands like Mastercard, Discover, and American Express are not currently supported for mobile wallet payments at Costco.

Additionally, Apple Pay is only accepted in-store, not at Costco gas stations, where you’ll need to use a physical card or cash.

Don’t forget your Costco Shop Card, as it’s another convenient option accepted at checkout, alongside other accepted payment methods like debit cards, cash, and checks for eligible members.

Can You Use Apple Pay at Costco?

Yes, you can use Apple Pay at all Costco warehouse locations in the United States for in-store purchases. This eliminates the need to carry your physical wallet and allows for a quicker and more secure checkout process.

What Payment Methods Does Costco Accept?

Costco accepts a variety of payment methods to cater to different preferences. Here’s a breakdown of accepted and limited payment methods:

Accepted Payment Methods:

  • Visa credit cards: This includes the Costco Anywhere Visa® Card by Citi.
  • Most PIN-based debit/ATM cards: Ensure your card has a PIN for chip-and-PIN transactions.
  • Costco Shop Cards: A convenient option for managing your Costco spending.
  • Cash: Always a reliable option.
  • Personal checks: Only from current Costco members.
  • Business checks: Only from current Costco business members.
  • Traveler’s checks: Less common but still accepted.
  • EBT cards: For eligible individuals using authorized benefits.
  • Mobile wallets: This includes Apple Pay, Google Pay, and Samsung Pay.

Limited Payment Methods:

  • Apple Pay: While accepted in stores, Apple Pay is not available at Costco gas stations. You’ll need a physical credit card or cash for gas purchases.
  • Mastercard, Discover, and American Express cards: These cards are not accepted through mobile wallets like Apple Pay at Costco, but you can use the physical cards themselves.

How to Use Apple Pay at Costco?

Using Apple Pay at Costco is simple and straightforward:

  1. Double-click the side button on your iPhone or Apple Watch.
  2. Hold your device near the contactless payment reader at the checkout.
  3. Authenticate your payment using Face ID, Touch ID, or your passcode.
  4. Once approved, you’ll see a confirmation message on your device and a receipt will be printed.

Remember to also scan your Costco membership card at the checkout, either physically or using the digital membership card in your Apple Wallet app.

Additional Considerations for Using Apple Pay at Costco

  • Only Visa cards linked to your Apple Pay are accepted for in-store purchases at Costco.
  • Make sure your Apple Pay information is up-to-date to avoid any payment issues.
  • For added security, consider enabling two-factor authentication for your Apple ID.

By following these tips, you can enjoy a smooth and secure checkout experience using Apple Pay at your next Costco shopping trip.