MCC Code
5300
Category
Wholesale Clubs
Reward Category
Wholesale Clubs
Confirmed by
2 users
Best cards for Costco
BofA Customized Cash
2% back on grocery & wholesale
2% back
Costco Anywhere Visa
2% back on Costco purchases
2% back
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Search PreSwipe →Frequently asked questions
What MCC code does Costco use?
Costco uses MCC 5300 — Wholesale Clubs. This is the four-digit Merchant Category Code assigned to Costco by card networks and determines how your purchase is categorized for rewards.
Does Costco count as wholesale clubs for credit card rewards?
Costco does not code as you might expect. It uses MCC 5300 (Wholesale Clubs), which may not trigger the bonus category you're hoping for. Always check your card's terms.
Which credit card earns the most rewards at Costco?
The best card depends on how Costco codes. Since it uses MCC 5300 (Wholesale Clubs), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.