When you’re trying to maximize your credit card rewards, Costco is a tough beast to battle. The wholesale club only accepts Visa cards, which excludes many of the best cards on the market, including Discover, American Express, and Mastercard.

The best Visa cards earn 2% and 3% at Costco, which isn’t bad. But if you’re looking for 5% back on a credit card, you’ll be disappointed to know that there isn’t one that earns that much consistently.

And yet – still! — there is still a little hope. Two credit cards, even if they don’t earn 5% all the time, have rotating bonus categories that sometimes include wholesale clubs. Neither card is a Visa, but they are accepted at Costco.com for higher cash back rewards. Let’s look at the two cards separately and see if they’re worth applying for.

1. Hunt Freedom Flex

The Chase Freedom Flex® offers 5% bonus categories that rotate quarterly and must be activated (on up to $1,500 in quarterly spending). Unlike Discover it® Cash Back, which we will talk about shortly, it has other cash back rates that make it a more comprehensive credit card.

As a cardholder, you will earn cash back in the following ways.

• 5% back on up to $1,500 in combined purchases in bonus categories each quarter you activate
• 5% back on travel purchased through Chase Ultimate Rewards
• 5% off Lyft rides through March 31, 2025
• 3% back on dining at restaurants, including takeout and orders through eligible delivery services
• 3% discount in pharmacy
• 1% off other purchases

These rates make the Chase Freedom Flex® a powerful card to have in your wallet. Click here to learn how to earn a $200 bonus as a new cardholder.

Chase frequently includes wholesale clubs as a rotating category. Because the Chase Freedom Flex® is a Mastercard, it is not accepted at Costco warehouses. But using the tip above, you can order your items from the Costco website, where Mastercard is accepted.

2. Cash Back Discover It®

Discover it® Cash Back is one of the best cash back credit cards on this planet. It may be an exaggeration, but few credit cards offer the opportunity to earn as much cash back as this one.

For one, the card earns 5% on bonus categories that change each quarter (up to $1,500 spent each quarter). You must activate them. If you maximize your spending in these categories, you can earn $75 per quarter or $300 per year. They often include purchases you already make, like groceries, gas and restaurants. And yes, this has also included wholesale clubs in the past.

But the most interesting part of this card, in my opinion, is the welcome bonus. Discover will match any cash back you’ve earned at the end of your first year. If you earned $300 in your first year, Discover would give you an additional $300 as a bonus. This offer is not guaranteed to last forever, so click here to learn more before Discover realizes how much money you could make and changes it.

As for Costco, again the map includes wholesale clubs as a category. Although you can’t use Discover in the warehouse, Costco accepts it as payment for online orders. This could help you get 5% back at Costco, as well as other wholesale clubs like Sam’s Club and BJ’s.

Overall, if you’re looking to earn 5% at Costco, you don’t have many options. However, you can Regularly earn up to 3% in warehouses. If you’re not currently earning 2-3% at Costco with a credit card, you’re missing out. Click here to check out our list of the best credit cards with huge rewards at Costco. and start saving the money that belongs to you.