Best credit card for Costco in Canada
Costco's Canadian warehouses take Mastercard, not Visa or American Express. So the question is which Mastercard pays the most on everything you buy there.
WestJet RBC World Elite Mastercard leads at 1.9 Canadian cents back per C$1.
Updated 2026-09-16
| # | Card | Value ¢ CAD per C$1 | Rate | Applies to | Fee |
|---|---|---|---|---|---|
| 1 | WestJet RBC World Elite Mastercard Royal Bank of Canada |
1.9 | 1.5x | everything | C$139 |
| 2 | Rogers Red World Elite Mastercard Rogers Bank |
1.5 | 1.5% | everything | C$0 |
| 3 | Triangle World Elite Mastercard Canadian Tire Bank |
1.0 | 1x | everything | C$0 |
| 4 | PC World Elite Mastercard PC Financial |
1.0 | 10x | everything | C$0 |
| 5 | Brim World Elite Mastercard Brim Financial |
1.0 | 1% | everything | C$89 |
| 6 | BMO CashBack World Elite Mastercard BMO |
1.0 | 1% | everything | C$139 |
| 7 | Neo World Elite Mastercard Neo Financial |
1.0 | 1% | everything | C$149 |
| 8 | National Bank World Elite Mastercard National Bank of Canada |
1.0 | 1x | everything | C$150 |
| 9 | Tangerine Money-Back Credit Card Tangerine Bank |
0.5 | 0.5% | everything | C$0 |
How to read this
Many Canadian card terms leave warehouse clubs out of their grocery category, so these are ranked on the rate each Mastercard pays on everything. Check your own card's terms: if it does count Costco as groceries, it will earn more than shown. Every rate is multiplied by our conservative value for the points it pays, in Canadian dollars, so a big multiplier in a weak programme can't win on the number alone. Card terms change; check with the issuer before you apply.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
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