Apple Pay at Costco: How To Use It? Is It Safe?

When the name of supermarket chains comes up, Costco is one of the top contenders. It is one of the biggest retailers.

The chain has almost all the products you need. Plus, it accepts tons of payment options, including mobile payments.

But Does Costco take Apple Pay? Here’s everything you need to know about this matter!

Does Costco Take Apple Pay?

Does Costco Take Apple Pay

Yes! As of 2023, Costco has made it convenient for its customers by accepting popular mobile payment options, including Apple Pay, Samsung Pay, and Google Pay.

Costco has recently upgraded its stores to support Near Field Communication (NFC) payments, making it easier than ever to use Apple Pay at checkout terminals. Simply hold your iPhone or Apple Watch near the terminal, and you’re good to go!

However, it’s worth noting that some smaller Costco locations may not be equipped with NFC readers. To avoid any inconvenience, it’s a good idea to contact your nearest Costco location beforehand to inquire about their payment options.

How Do You Use Apple Pay at Costco?

Use Apple Pay as a payment method by holding your device near the contactless reader at Costco.

It is quite simple to use Apple Pay at Costco. The first thing to do is to set up your account. It is a step you should do before heading to a store.

And connect your account to a bank or credit card. Once that’s sorted, here’s how to use Apple Pay at Costco:

  • Go to the checkout terminal
  • Inform the cashier that you will be using Apple Pay for the payment.
  • Double tap on the side button and verify the device with Face ID, passcode, or fingerprint.
  • Hold your phone close to the contactless card reader.
  • Wait until you get the confirmation message on the screen.

You can also change cards from the Apple Pay application. Tap on the default card and select a new one. And just like that, you can pay with Apple Pay!

How to use Apple Pay at Costco

How to Use Apple Pay for Costco Online?

You can use Apple Pay for Costco online by selecting it as the payment method from the checkout screen. We have also used this option on Costco Instacart.  

Using Apple Pay for Costco online is no challenge. Here’s how you can use it:

  • Shop as normal by adding items to your cart.
  • Go to the checkout screen.
  • Select Apple Pay from the list of available payment methods.
  • Enter your card information and confirm payment.

You can also use Apple Pay at Costco Instacart following the above method. The only difference is that you will have to confirm via Face ID, Touch ID, or passcode.

Does Costco Take Apple Pay for Gas?

Yes, most Costco gas stations take Apple Pay. However, I also found some locations that were not equipped with NFC readers.

The key is to look for a gas station that has contactless payment facilities. If they do, they will gladly accept Apple Pay.

The same is the case for Costco. Most of its gas stations take mobile payment methods, but some do not.

Does Costco Take Apple Pay for Instacart?

Yes, Costco does take Apple Pay for shopping from its Instacart.

Note that Instacart is a third-party service. So, it does accept tons of payment methods. Instacart even takes those options that most stores do not.

Luckily, Costco’s Instacart allows using Apple Pay as a payment method. You can use it for home delivery or in-store pickup.

Does Costco Food Court Take Apple Pay?

Yes, you can use Apple Pay at most Costco food courts. That said, some of them still lack NFC capabilities.

The case with Costco food courts is the same as its gas stations. Most of them will gladly take Apple Pay.

However, some do not have NFC readers yet. In such locations, you will have to opt for old-fashioned payment options.

Apple Pay at Costco

What Devices Can Be Used for Apple Pay at Costco?

Costco accepts Apple Pay via multiple devices, including the iPhone, Apple Watch, and iPad.

Apple Pay is a built-in application in most of the company’s devices. That includes all the newer models of iPhone and iPad.

Moreover, we have also tried using Apple Watch for this payment option. And it works flawlessly. You can use it at the checkout as it is used the same way as an iPhone.

Is Using Apple Pay at Costco Safe?

Yes, using Apple Pay at Costco is 100% safe. Note that this payment method is backed by one of the biggest tech companies in the world. Hence, it also uses top-notch security protocols to protect your data.

Apple Pay is more secure than a traditional card. It does not give away your financial information, like your PIN or card number, during a transaction. Instead, it decrypts the data so the receiver will not understand.

What Are the Benefits of Using Apple Pay at Costco?

The convenience factor can be considered the biggest benefit of using Apple Pay at Costco.

Costco has been accepting Apple Pay since 2018. Not only is it allowed in its stores, but also in a few warehouses.

Furthermore, it is a secure payment method. You can use it without worrying about any financial leaks.

Another benefit of using Apple Pay is that it is easy and quick. All you need is to hold your compatible device near the card reader. And it’s done!

Can You Earn Cashback With Apple Pay for Costco Purchases?

Yes, you can earn a 3% cashback with Apple Pay when shopping at Costco.

While it may seem good, there is a catch. You must have an Apple card to participate in this cashback program.

The benefit of the card is that they keep adding new stores for such rewards. So, you can earn cashback at Costco and many other retailers.

What Other Payment Methods Does Costco Accept?

Costco accepts tons of payment methods, including credit cards, debit cards, Costco gift cards, personal checks, mobile payments, and EBT.

Here is a detailed list of all the payment methods you can use at Costco gas stations, warehouses, and online:

  • Credit cards (American Express, Discover, Visa, Mastercard)
  • Debit/ATM Cards
  • EBT Cards
  • Personal Checks
  • Traveler’s Checks
  • Business Checks
  • Costco Shop Cards
  • Cash
  • The Costco Anywhere Visa Card
  • Mobile Payment Options (Samsung Pay, Apple Pay, Google Pay)

Check out the following blogs for other Apple Pay queries:

Summing Up

And that brings us to the end of this detailed guide on Costco and its payment methods. In short, the store does accept all the popular options. You can use mobile payments, too.

Apple Pay is a secure option that works at almost all Costco locations. Simply use it during the checkout, and you are all set.

Costco warehouses also accept other NFC payments. You can opt for Samsung Pay and Google Pay.

They work almost the same as Apple Pay. So, the convenience and reliability factor at Costco is pretty high.

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Hi, I'm Teresa Verner, the founder, and writer of QueryBoomer, your ultimate destination for hard-to-find answers to online stores and e-commerce site queries. I launched QueryBoomer to provide accurate and credible answers to online store-related inquiries. I hope you find my articles helpful in your search for answers about online stores and e-commerce sites.

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