Does Costco Take Apple Pay?

Nicholas Russell
By Nicholas Russell 15 Min Read
15 Min Read

Hey, everyone! If you’re part of the Costco club or thinking about joining, you might be wondering: “Can I use Apple Pay at Costco?” With everyone loving the convenience of tap-and-go payments, it’s a super relevant question!

So, here’s the scoop: Costco totally accepts Apple Pay in nearly all of their stores across the U.S. and Canada. But, just like in any cool story, there are a few twists and turns, which I’ll dive into in a bit.

I’m Eric, by the way! Ever since I was a kid, technology has been my playground. I love digging into all sorts of techy questions, especially about when and how to use different gadgets and gizmos. Sharing what I discover with folks like you is my jam!

Want to get the inside track on using Apple Pay at Costco? Stick with me! We’ll explore not only how to make it work but also some nifty tips and important stuff to know for your Costco shopping sprees. Let’s roll! πŸ›’πŸ“±


Alright, so we know Costco is on board with Apple Pay, but let’s talk about the small catches, or limitations, you might bump into.

1. The Tech Behind the Tap: NFC Readers

First up, let’s geek out a bit on the tech side. Apple Pay is like a superhero of contactless payments, helping us buy stuff without spreading germs. It’s super easy to use (and if you’re new to it, Apple’s website has all the details).

But here’s the thing: to use Apple Pay, the Costco you’re shopping at needs this cool gadget called an NFC reader. NFC stands for Near-Field Communication, which is tech talk for “the thing that lets your iPhone chat with the payment machine.”

Good news is, almost all Costco stores are equipped with NFC readers. But hey, you might stumble upon a store that’s a bit behind the times, and that’s where you could hit a snag.

2. The Card Game: VISA in the U.S., MasterCard in Canada

Now, let’s talk cards. Apple Pay is like a wallet on your phone, where you can add different credit cards. But to tap-and-go at Costco in the U.S., you’ve got to have a VISA card (credit or debit) linked up. No VISA? No Apple Pay action at Costco.

And for our friends up north in Canada, the twist is different: Costco there asks for a MasterCard (again, credit or debit) to be linked to your Apple Pay.

So, before you set off on your Costco adventure, double-check your Apple Wallet. Got the right card for your country? Great! If not, you might need to go old-school with payment or update your Apple Pay setup.

Does Apple Pay Work at Costco Gas Stations?

Now, let’s steer towards a question that’s been fueling quite a bit of curiosity: “Can you use Apple Pay at Costco Gas Stations?” Well, it’s a bit of a mixed bag.

1. The Great Gas Station Mystery

When it comes to filling up your tank with Apple Pay, things get a bit hazy. Some Costco gas stations are like, “Sure, go ahead!” while others are more like, “Sorry, not yet.” It’s a bit of a guessing game.

From what people are saying online, it seems like using Apple Pay at Costco gas stations isn’t a sure bet. Some folks have had no luck, while others have been able to pay with a quick tap of their phone.

2. It’s All About Those NFC Readers… Again

Just like inside the Costco stores, the secret sauce to using Apple Pay at their gas stations lies in those NFC readers. Remember, those are the gadgets that let your phone chat with the payment machine.

Many Costco gas stations have been upgrading their pumps with these NFC readers in the last few years. But, as with any big change, not every station has caught up. So, some pumps are ready for Apple Pay, and others… well, not so much.

3. A Little Recon Mission

I did a bit of detective work myself and checked out my local Costco gas station. Guess what? They’ve upgraded! But your mileage may vary (pun intended!). If you’re an Apple Pay enthusiast, it might be worth a quick check at your nearby Costco gas station to see if they’re Apple Pay-friendly.

In a nutshell: Apple Pay at Costco gas stations is a bit of a coin toss. If you’re lucky, you’ll find those upgraded pumps. If not, you might need a backup payment plan.

Does Costco Accept Other Types of Mobile Payments?

So, we’ve talked a lot about Apple Pay at Costco, but what if you’re not an iPhone user? No worries! Let’s chat about other mobile payment methods like Google Wallet and Samsung Pay.

1. Not Just an Apple Party: Hello, Google Wallet and Samsung Pay!

Good news for those of you who are team Android or Samsung: Costco is open to more than just Apple Pay. Google Wallet and Samsung Pay are also welcome at Costco, which is great for keeping your payment options flexible.

2. The Same Rules Apply

But, remember those little twists we talked about with Apple Pay? The same goes for Google Wallet and Samsung Pay. Just like with Apple Pay, the key is whether or not the Costco store or gas station has those NFC readers we’ve been talking about.

3. Keeping Your Payment Options Open

What this means is, if you’re rocking a Samsung phone or using Google’s payment system, you’re in the game at Costco. But, just like with Apple Pay, it’s good to check if your local Costco is tech-ready for these payment methods.

In summary: Costco doesn’t play favorites with mobile payments. Whether you’re an Apple, Google, or Samsung fan, you’ve got a seat at the table. Just remember to check for those NFC readers, and you’ll be all set to tap, pay, and go!

Why do Mobile Payments Require a Specific Credit Card?

Ever wondered why you can’t just use any credit or debit card with your mobile payments at Costco? It’s not just about “getting their money.” Let’s dive into why Costco is picky about which cards you use.

1. The Deal with Credit Card Companies

Here’s the deal: Costco has special agreements with specific credit card companies. In the U.S., they’ve shaken hands with Visa, and in Canada, it’s MasterCard calling the shots. This means Costco is kind of in a partnership with these companies, and they’ve agreed to only accept their cards in their stores.

2. The Visa and MasterCard Story

So, when you’re shopping at a U.S. Costco, they’re all about Visa cards. This is why, if you’re using Apple Pay or any other mobile payment service, the card linked to your account needs to be a Visa. They’re playing by the rules of their agreement with Visa.

3. Online Shopping: A Different Ball Game

But wait, there’s a twist! When you shop online at, the rules loosen up a bit. They accept a wider range of credit cards for online purchases. Sadly, you can’t use Apple Pay for these online shopping sprees, but you do get more card options.

4. Why Not Just Take Any Card?

You might be thinking, “Why not just take any card and make life easier for everyone?” Well, it’s all about the contracts and deals Costco has with these credit card companies. These agreements often involve things like fees and transaction costs, so it’s not just about being picky – it’s business.

In summary: The reason why Costco sticks to certain credit cards for mobile payments is all about their business deals with Visa and MasterCard. It might seem a bit restrictive, but it’s just how their business cookie crumbles. πŸͺπŸ’³πŸ›’

Why Should I Use Apple Pay?

Wondering why you should jump on the Apple Pay bandwagon? Let me break down some cool reasons why Apple Pay is more than just a techy trend!

1. Super Convenient: Say Goodbye to Bulky Wallets!

First off, Apple Pay is all about making your life easier. Imagine not having to lug around your wallet or purse stuffed with cards. Apple Pay lets you do just that! It’s a breeze to set up and even easier to use. When you’re at the checkout, just wave your phone or Apple device near the NFC reader, and boom, you’re done!

2. Safety First: A Fortress in Your Phone

Next up, security. Apple Pay is like a digital fortress. You need access to your device to use it, which means it’s way more secure than carrying around physical cards that can be lost or stolen. Plus, it’s contactless, so you’re not touching screens or payment devices that everyone else has been tapping on. Less germ-sharing, more peace of mind!

3. All Your Cards in One Spot

Here’s another cool part: Apple Pay is like a magic wallet on your phone. It holds multiple credit/debit cards and other payment methods, all in one place. This means you get to pick which card you want to use at the checkout without fumbling through your wallet.

4. Cashback Perks: Who Doesn’t Love Extra Cash?

Lastly, who doesn’t love getting money back? Many cards offer cashback rewards when used with Apple Pay. If you’re a regular Apple Pay user, this can add up pretty quickly, giving you some sweet cash bonuses to spend on, well, anything you like!

In a nutshell: Apple Pay isn’t just a fancy way to pay; it’s convenient, secure, and can even put some extra cash back in your pocket. Definitely worth giving a try!

Final Words

And that’s a wrap on our deep dive into using Apple Pay at Costco!

We’ve explored how Costco embraces Apple Pay, making it super easy and secure for you to shop in their stores and, at times, even at their gas stations. From the convenience of a digital wallet to the security of contactless payments, Apple Pay at Costco is a match made in shopping heaven.

I really hope this guide has shed some light on how you can make your Costco trips smoother and safer with Apple Pay. Got any questions or thoughts? I’m all ears! I’d love to hear from you. Your feedback, queries, or just a quick “hello” are always welcome.

Remember, staying informed about tech like Apple Pay not only makes shopping more convenient but also adds an extra layer of security to your transactions. So next time you’re at Costco, why not give Apple Pay a whirl?

Thanks for sticking with me through this tech talk. Happy shopping at Costco, and here’s to making your checkout experience a breeze! πŸŽ‰πŸ›’πŸ“²


Does Costco Accept Apple Pay?

Yes, Costco accepts Apple Pay in almost all of their locations across the U.S. and Canada. However, it’s important to note that each store needs to be equipped with NFC (Near-Field Communication) readers for Apple Pay to work.

Can I Use Apple Pay at Costco Gas Stations?

The ability to use Apple Pay at Costco Gas Stations varies. It depends on whether the gas station has upgraded its pumps with NFC readers. While many have, there are still some that may not have this technology yet.

Are There Any Restrictions on Using Apple Pay at Costco?

Yes, the main restriction is the type of credit card you can use. In the U.S., you need to have a Visa credit or debit card linked to your Apple Pay, and in Canada, a MasterCard is required.

Why Can’t I Use Any Credit Card With Apple Pay at Costco?

This is due to Costco’s exclusive agreements with certain credit card companies – Visa in the United States and MasterCard in Canada. These agreements specify which cards can be accepted in their stores.

What Are the Benefits of Using Apple Pay at Costco?

Apple Pay offers several benefits, including convenience (no need to carry physical cards), enhanced security (requires access to your device), contactless payment (reducing germ transmission), and the ability to link multiple credit/debit cards. Additionally, many cards offer cashback rewards when used with Apple Pay.

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