What is the best credit card for Costco in Canada?

Based on the earn rate that applies at Costco, the PC Insiders World Elite Mastercard from PC Financial currently leads, with a $120 annual fee and 21.99% purchase APR. Rankings update daily.

How are these cards ranked?

We rank by the best earn rate each card delivers at Costco, expressed in cents per dollar so cash back and points compare fairly. Every figure is pulled from the official issuer page, never an affiliate feed.

How current is this information?

Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-20. Always confirm details on the issuer's site before applying.

Best for

Best Credit Card for Costco in Canada (June 2026)

Costco warehouses in Canada accept Mastercard only. These Mastercards earn the most on warehouse and grocery spending. 31 cards, ranked. Every figure cites the official issuer page. Updated 2026-06-20.

Costco warehouses in Canada accept Mastercard only (plus cash, debit, and Costco Shop Cards). Visa and American Express are not accepted in-warehouse.

0Cards ranked

0%Sourced figures

06-20Last updated

$0Affiliate bias

1Top pick · for Costco

PC Insiders World Elite Mastercard

PC Financial

Welcome value

No current offer

Annual fee

$120

Purchase APR

21.99%

Earn 70% on gas stations
6 insurance coverages

See full breakdown

Source: PC Financial·verified 2026-06-13

PC FinancialWorld Elite

••••••••••••1444

PC Insiders World Elite Mastercard

MASTERCARD

The rest of the ranking

23 more cards

Frequently asked

What is the best credit card for Costco in Canada?: Based on the earn rate that applies at Costco, the PC Insiders World Elite Mastercard from PC Financial currently leads, with a $120 annual fee and 21.99% purchase APR. Rankings update daily.
What cards does Costco accept in Canada?: Costco warehouses in Canada accept Mastercard only (plus cash, debit, and Costco Shop Cards). Visa and American Express are not accepted in-warehouse.
How are these cards ranked?: We rank by the best earn rate each card delivers at Costco, expressed in cents per dollar so cash back and points compare fairly. Every figure is pulled from the official issuer page, never an affiliate feed.
How current is this information?: Fees, rates, and offers are checked regularly against the official issuer pages. This page was last updated 2026-06-20. Always confirm details on the issuer's site before applying.

Best cards for other places

Walmart Loblaws and No Frills Amazon Tim Hortons Uber and Uber Eats Gas Stations Streaming and Subscriptions Pharmacies and Drugstores Transit and Commuting Restaurants and Dining Hotels and Travel Food Delivery Entertainment Recurring Bills and Utilities

Ranked by value, never payouts

Not sure which one is right for you?

Answer a few questions and we will match you to the cards built for how you actually spend.

Take the 60-second finder Compare cards

Best Credit Card for Costco in Canada (June 2026)

PC Insiders World Elite Mastercard

The rest of the ranking

BMO CashBack World Elite Mastercard

Neo World Elite Mastercard

Triangle Mastercard

Triangle World Mastercard

BMO CashBack Mastercard

PC World Elite Mastercard

Triangle World Elite Mastercard

CIBC Costco Mastercard (Costco World Mastercard)

MBNA Smart Cash Platinum Plus Mastercard

MBNA Smart Cash World Mastercard

Neo World Mastercard

PC World Mastercard

RBC Business Cash Back Mastercard

RBC Cash Back Mastercard

Rogers Red Mastercard

Rogers Red World Elite Mastercard

Rogers Red World Mastercard

RBC Cash Back Preferred World Elite Mastercard

Amazon.ca Rewards Mastercard

Neo Mastercard

PC Mastercard

Scotia Momentum Mastercard

Walmart Rewards Mastercard

Frequently asked

Best cards for other places

Not sure which one is right for you?