Does Costco Accept Apple Pay? Payment Options Explained

Published On - September 19, 2025

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Shopping at Costco is always an adventure. From bulk snacks to jumbo TVs, there’s something for everyone. But when it’s time to check out, you might wonder: Can I use Apple Pay at Costco? Let’s dive in and explore the answer, along with all the other ways you can pay at the warehouse giant.

Does Costco Accept Apple Pay?

Yes, Costco does accept Apple Pay! But there’s a little catch—so keep reading.

Whether you’re tapping your iPhone or using your Apple Watch, Apple Pay works at Costco stores. But only if you have the right credit card linked. Costco’s payment systems are tied to a specific credit card network.

Here’s the deal:

  • Costco accepts Visa cards in-store.
  • Your Apple Pay must be linked to a Visa card to work.

So, if you try using Apple Pay with a Mastercard, American Express, or Discover card, it won’t work—unless you’re shopping online (more on that later).

Where Can You Use Apple Pay at Costco?

You can use Apple Pay:

  • In-store: At any Costco location, just make sure your Apple Pay is connected to a Visa card.
  • At the gas station: Yes! Costco gas stations also accept Apple Pay with a Visa card.
  • In the food court: In many locations, you can use Apple Pay where contactless payment is supported.

It’s fast, easy, and secure. No need to pull out your wallet. Just tap and go!

What About Online?

If you’re shopping on Costco’s website or using the Costco mobile app, Apple Pay is not accepted for online purchases. At least not yet!

But don’t feel left out—Costco does offer several other online payment options that are just as easy. We’ll cover those soon.

How to Use Apple Pay at Costco

Using Apple Pay at Costco is simple. Just follow these quick steps:

  1. Make sure your Visa card is added to your Apple Wallet.
  2. At checkout, look for the contactless payment symbol or Apple Pay logo.
  3. Double-press the side button on your iPhone or Apple Watch.
  4. Authenticate using Face ID, Touch ID, or your passcode.
  5. Hold your device near the reader until you see “Done” or hear a beep.

That’s it! You’re on your way with a cart full of goodies and a touch-free payment experience.

What If My Apple Pay Doesn’t Work at Costco?

Ran into a hiccup? Don’t panic. Here are some things to check:

  • Make sure your Apple Pay is linked to a Visa card.
  • Your card might be expired or not activated.
  • The payment terminal might be down (rare, but possible).
  • Try holding your phone a little longer over the reader.

Still not working? You can always use another card while you sort it out.

Other Payment Methods Accepted at Costco

Costco is picky—but fair—when it comes to payment methods. Here’s what you can use in-store:

  • Visa credit and debit cards: The only accepted credit network in-store.
  • Costco Anywhere Visa card by Citi: Earns extra rewards on Costco purchases.
  • Cash: Good ol’ paper money always works.
  • Checks: Personal or business checks are accepted with proper ID.
  • EBT cards: Eligible food items only.
  • Mobile payments: Apple Pay, Google Pay, and Samsung Pay, if linked to a Visa card.

What Payment Options Work Online?

Shopping at Costco.com? You have more flexibility when it comes to cards.

The website accepts:

  • Visa credit and debit cards
  • Mastercard
  • Discover
  • Costco Shop Cards (Costco’s gift cards)

But remember—No Apple Pay for now when online shopping.

Do All Locations Accept the Same Payments?

Mostly, yes. But you might see small differences depending on your local store. Some smaller food courts or self-serve kiosks may have different systems. It’s always a good idea to ask an employee if you’re unsure.

Can I Use Google Pay or Samsung Pay?

Yes! Just like Apple Pay, you can use:

  • Google Pay
  • Samsung Pay

But here’s the same rule again: They must be linked to a Visa card for in-store payments.

These options are great for Android users looking for a quick checkout.

Why Is Costco Visa-Only?

Back in the day, Costco accepted American Express. But in 2016, they switched to Visa. It was all about getting better rates and more perks for members.

Now the partnership with Visa means you must use Visa—or a mobile wallet connected to Visa—when shopping in-store.

What Is a Costco Shop Card?

It’s Costco’s version of a gift card. You can load it up with money and use it in-store or online. It’s also a great gift for friends and family.

Even if someone doesn’t have a membership, they can use a Shop Card to shop at Costco.

One fun trick? Add your Shop Card to your Apple Wallet for fast scanning. However, you still need to back it up with a Visa card if the balance isn’t enough.

Pros of Using Apple Pay at Costco

  • It’s fast: Tap and go with no swiping or inserting cards.
  • It’s secure: Every transaction is encrypted and private.
  • It’s cleaner: Especially during cold and flu season!

A Few Tips from Savvy Shoppers

Want the smoothest Costco checkout ever with Apple Pay? Try these tips:

  • Add your Visa card to Apple Pay before reaching the store.
  • Remember to charge your phone or Apple Watch.
  • Confirm your default card is a Visa.
  • Use your Apple device where you see the contactless symbol.

Conclusion

So, does Costco accept Apple Pay? Yes! Just remember the golden rule: link it to a Visa card.

Apple Pay makes shopping faster, easier, and more secure. With bulk savings and a tap-to-pay finish, what’s not to love?

Whether you’re grabbing a huge bag of chips or a new sofa, now you can leave your wallet in your pocket and use your device with ease.

Happy shopping—and tapping! 🛒📱