Costco Cash Card [What It Is, How To Use It & More]

What is Costco cash card and how is it different from a shop card? What are the rules and how do you reload and check your balance? Here are the answers.

It’s no secret that Costco offers products and services at incredibly low prices to its members, which is why it’s one of the most popular retail chains in the world.

And to make shopping easier for customers, Costco now offers a Costco Cash Card that gives people an easier and more convenient way to pay at any Costco store or location.

But what is the Costco Cash Card and how does it work?

In this article, we’ll be answering just that. Keep reading to find out everything you need to know about the Costco Cash Card, how it differs from the Costco Shop Card, and how to get your hands on one yourself.

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What Is The Costco Cash Card?

Costco Wholesale cash card

The Costco Cash Card is the Costco version of a gift card that can be reloaded with funds. So, whenever you go to a Costco location, you can use the card for a cashless and more convenient transaction. The Costco Cash Card is also known as the Costco Shop Card, which can arguably leave some customers confused.

Costco Shop Card vs Cash Card

As mentioned earlier, the Costco Shop Card is the same thing as the Costco Cash Card. These two share both names, so it isn’t uncommon for customers to mistake the two for different cards.

What Are The Costco Cash Card Rules?

Costco Executive Membership Hours

You can purchase and reload the Costco Cash Card in denominations between $5-$2000. Once you have the card and loaded it with cash, you can begin to use it to pay at any Costco till or scan and go checkout for your groceries and other purchases. There is, however, a spending limit on the Costco Cash Card of $10,000 per day.

Costco Cash Cards can be used at any Costco location in the world. Since Costco has also branched out to Puerto Rico and Canada, the card is also useable in stores in those countries. You can also use the Cash Card to pay for online purchases made on the Costco website.

However, if you aren’t a Costco member, when you make a payment using the Cash Card online you will be charged an extra 5%. Once your card starts to run low on funds, you can easily add more funds in-store.

Where Can I Buy A Costco Cash Card?

You can purchase a Costco Cash Card in any Costco location in the world. However, only members qualify to purchase the card, which is important to remember. If you’re a member, you can buy the card in a Costco store or purchase one on the website.

Costco doesn’t offer digital shop cards, so when you order a Cash Card online, it will arrive at your shipping address within a specific timeframe. However, keep in mind that on top of purchasing the card, reloading the card is a privilege only reserved for Costco members.

So, if you aren’t a Costco member looking to buy a card or reload one, you need to call a friend who is a member of Costco to come with you. That way, they can purchase or reload the card for you, which you can use on the Costco website or in any Costco location.

Related:Where Can You Buy Costco Gift Cards? [In Other Stores & More]

Do I Have To Be A Member To Use The Costco Cash Card?

Does Walmart Own Costco

While purchasing and reloading the cash card is specifically reserved for Costco members, anyone can use the cash card to pay at the store or for online purchases. It is clearly stated in the Costco Cash Card terms and conditions that both members and non-members can use the card to pay.

So, if you’re unwilling to pay the annual membership fee of Costco, you can ask a friend or family member to purchase the cash card for you and avail of the same discounts. However, keep in mind that if you make a purchase on the Costco website or in one of the warehouses with the cash card as a non-member, you will be charged an extra 5%.

How To Check Your Costco Cash Card Balance

If you’re unsure if the balance in your card is enough to cover your purchase, there are multiple ways to check your balance. Behind your Costco card, you will see a phone number. This is a toll-free number that customers can call and ask about their balance. When you make the call, you will receive prompts that you have to follow to hear your current balance on your card.

Another option is checking your balance on the Costco website. For this method, all you have to do is log into your account and input your card details. From there, you can view your full Costco shop card balance at the moment.

The last way people can view the balance on their Costco card is to check their receipt after purchase. On your receipts, there is a section that will display your remaining balance on your card.

When you’re at the end of your shopping trip, you can also slide the card through the kiosk and view your balance.

How To Reload Your Costco Cash Card

Costco exterior

Members are the only people allowed to reload a Costco Cash Card. You can do this at any Costco store in the world if you’re a member.

To ensure that only members are reloading the cash card, you can only reload the card at the store. To do this, you can ask any Costco staff member, and they will guide you through the entire process of reloading your card.

Can You Pay For Gas Using The Costco Cash Card?

You can. Once you top up the card with the amount of money you want to keep in it, you can use it to pay for anything including gas. Do note that just like in-store, if you aren’t a Costco member and are trying to take advantage of the cheaper fuel prices at Costco, you’ll be charged an extra 5%.

Otherwise, the payment process is pretty much the same regardless of whether you’re paying using Apple Pay or the Costco Cash Card.


Costco Store

The Costco Cash Card offers a convenient way for members and non-members to pay for their purchases at any Costco location. Aside from using them in-store, customers may also use the card to pay for purchases on the Costco website. However, if you aren’t a member, there’s a 5% surcharge when using the Cash Card for payments.

The Costco Cash Card can only be purchased and reloaded by members. However, anyone can use the cash card to pay for items at Costco, as per their terms and conditions. So, if you aren’t keen on paying the annual Costco membership fee and have a friend who’s a Costco member, you can ask them to purchase a card for you and you can use it at any Costco location worldwide.

There is a $10,000 per day limit on the card, and members can buy cards in denominations of $5 with a maximum of $2,000. After making the initial payment, customers may then reload their cards at any Costco store by asking a staff member who will guide them through the process.

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Arthur Beringer

Arthur graduated in 2002 with a Master's in Business Administration from LSU Alexandria. After working in the retail industry for almost 20 years, he decided to quit and write full-time to help readers who are searching online for consumer-related answers.