How to Apply for the Costco Credit Card

If you are interested in earning some cash back on purchases made at Costco restaurants, gas stations, or stores, be assured that applying for the Costco Credit Card is not difficult and can be done in less than 5 minutes. The card’s benefits, aside from the cash back rewards, include the flexibility to pay charges over time, and no annual fee associated with using the card.

It should be noted that you are required to be a Costco member to apply for the card. If you are not already a Costco member, you can become one on the Costco website.


Keep in mind that there are some requirements you must fulfill in order to become a Costco Credit Card holder. These include:

  • Being a Costco member
  • Being at least 18 years of age
  • Passing a credit check
    Being a resident of the United States of America
  • Having a social security number

How to Apply

As mentioned, applying for the card is simple and can be very quick. Here are the instructions:

Step 1: Visit This WebPage.

Note the two green “Apply Now” buttons. The one towards the center of the page is for regular card holders. The one on the right is for business owners. Click one of these depending on your status.

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Step 2: This next step requires you to enter in some personal information. This information includes your:

  • Costco membership number
  • Name
  • Name you would like on your card
  • Date of birth
  • Social security number
  • Email address
  • Phone number
  • Address
  • ZIP code

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After clicking the green “Continue” button, you will finalize your application by consulting the Terms and Conditions, consenting to them, and choosing details regarding your membership.

You are now finished your application for the Costco Credit Card. Good luck on your application.