7 Best Business Credit Cards for Costco Purchases

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Want to maximize your business spending at Costco? Costco is unique in that it only accepts Visa credit cards in-store.

If you have a Mastercard or an American Express card, it won’t work in-store, although Mastercard does work on Costco.com.

Below are our favorite business credit cards earn the most rewards at Costco.

1. Capital One Spark Miles for Business

Capital One Spark Miles for Business
  • Earn 50,000 Bonus Miles After Spending $4,500 in the First 3 Months
  • 2x Miles On Every Purchase
  • Global Entry or TSA PreCheck Credit
  • No Foreign Transaction Fees
  • $0 Intro Annual Fee for the First Year, $95 Thereafter
Learn More

The Capital One Spark Miles for Business is one of the top travel rewards credit cards for small business owners.

The card earns unlimited 2 miles per dollar on all purchases, which can be transferred to Capital One’s airline and hotel partners.

The Spark Miles also offers a $100 statement credit for your Global Entry or TSA PreCheck application and no foreign transaction fees.

2. Ink Business Unlimited® Credit Card

$900 Welcome Bonus
Ink Business Unlimited®
  • Earn $900 Bonus Cash Back After Spending $6,000 in the First 90 Days
  • Unlimited 1.5% Cash Back on Every Purchase
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Ink Business Unlimited® Credit Card is a no-annual fee card that earns 1.5% cash back on all purchases, with a huge welcome bonus of $900 after spending $6,000 in the first 90 days.

It also pairs well with the Chase Sapphire Preferred or Chase Sapphire Reserve, which unlocks the ability to convert the Ink Business Unlimited cash back to airline and hotel points.

This combo allows you effectively earn 1.5 airline miles per dollar with this card, which is worth more than 1.5% cash back.

3. Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by Citi
  • 4% Cash Back on Eligible Gas and EV Charging for the First $7,000 Per Year, 1% Thereafter
  • 3% Cash Back on Restaurants and Travel
  • 2% Cash Back at Costco and Costco.com
  • No Foreign Transaction Fees
  • No Annual Fee
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The Costco Anywhere Visa® Business Card by Citi is a no-annual-fee card that earns 4% cash back on gas up to $7,000 per year (then 1%), 3% cash back at restaurants and eligible travel purchases, and 2% cash back at Costco. 

The Costco card also offers purchase protection and no foreign transaction fees.

4.  Chase Ink Business Preferred® Credit Card

100,000 Welcome Bonus Points
Chase Ink Business Preferred® Credit Card
  • Earn 100,000 Ultimate Rewards Points After Spending $15,000 in Purchases in the First 3 Months
  • 3X Points on Travel, Shipping, Advertising (Social Media and Search Engines), Internet, Cable, and Phone on the First $150,000 Each Account Year
  • 25% Additional Points Value in Travel Redemption
  • Primary Rental Car Insurance
  • Trip Cancellation/Interruption Insurance
  • Cell Phone Protection
  • Purchase Protection and Extended Warranty
  • No Foreign Transaction Fees
  • $95 Annual Fee

Click Here to Learn How to Apply

The Ink Business Preferred® is a versatile business rewards card earning 3x Chase Ultimate Rewards points on up to $150,000 in combined purchases per year in business categories, including shipping, online advertising, internet, phone, and travel. 

This business card offers a lucrative bonus of 100,000 points worth $1,000 cash back or $1,250 when redeemed toward travel via Chase.  

For $95 per year, the Chase Ink Business Preferred offers comprehensive protection, including trip cancellation insurance, trip delay insurance, primary rental car insurance, purchase protection, cell phone insurance, and extended warranty.

5. Capital One Spark Cash Plus Card

$1,000 Cash Bonus
Capital One Spark Cash Plus
  • Earn $1,000 Bonus Cash: $500 after Spending $5,000 in the First 3 Months, and $500 after Spending $50,000 in the First 6 Months
  • 5% Back on Hotels and Rental Cars Booked Via Capital One Travel
  • 2% Cash Back on All Purchases
  • Extended Warranty & No Foreign Transaction Fees
  • $150 Annual Fee
Learn More Our Review

The Capital One Spark Cash Plus is great for businesses that spend a lot each year. 

The card earns 2% cash back on all purchases and comes with no preset spending limit so that it can adapt to your needs based on your spending behavior, payment history, and credit profile.

The card also earns unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

6. United℠ Business Card

75,000 Miles
United℠ Business Card
  • Earn 75,000 Miles after Spending $5,000 in the First 3 Months
  • 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
  • 2 United Club One-Time Passes Per Year
  • $100 United Travel Credit
  • Free First Checked Bags and Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $0 Intro Annual Fee, $99 Annual Fee Thereafter

Click Here to Learn How to Apply

The United℠ Business Card currently offers a welcome bonus of 75,000 miles after spending $5,000 within three months.

The United Business card offers nice perks on United Airlines, including:

  • Two United Club lounge passes annually;
  • Priority boarding for you and your companions;
  • Free first checked bag for you and one companion on the same reservation;
  • 25% back on in-flight purchases in the form of statement credits;
  • $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
  • Anniversary bonus of 5,000 miles;
  • Premier upgrades on award tickets; 
  • Expanded award availability; and
  • Ability to earn Premier Qualifying Points for United elite status with spending.

7. Ink Business Cash® Credit Card

$900 Welcome Bonus
Chase Ink Business Cash®
  • Earn a $900 Cash Welcome Bonus After Spending $6,000 in the First 90 Days
  • 5% Cash Back at Office Supply Stores, Internet, Cable, and Phone Services up to $25,000 Each Account Year
  • 2% Cash Back at Gas Stations and Restaurants Up to $25,000 Each Account Year
  • Primary Rental Car Insurance
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The no-annual-fee Chase Ink Business Cash® currently offers a $900 cash back bonus when you spend $6,000 in purchases in the first 3 months.

Plus, the Ink Business Cash earns:

  • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, and phone services each account anniversary year.
  • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
  • 1% cash back on all other purchases.

The card also offers nice benefits such as primary rental car insurance (when renting for business purposes), 120-day purchase protection, and extended warranty protection.

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