What MCC code does Costco use for credit card transactions?
Costco transactions can post under more than one MCC. The code depends on how you pay (in store, online, in-app, wallet top-up, bill payment) and, for marketplaces and platforms, on which seller or payment provider processes the transaction. Codes seen for Costco:
1.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 路 Issuer terms 路
1.Bank of America Customized Cash Rewards Credit Card
Wholesale clubs
Automatic 2% category (MCC 5300 per program rules). Shares the $2,500 quarterly cap with grocery and the choice category.
Terms checked 2026-09-30 路 Issuer terms 路
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 路 Issuer terms 路
Based on published card terms; the MCC can differ by payment channel, so check your statement.
Statement descriptors and business names linked to Costco:
Primary MCC
5300
Category
Wholesale
Total MCC Codes
7
Available In
5 regions
Data source
Estimated from business type (unconfirmed)
Saw a different MCC for Costco on your statement?
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