Does Costco Accept Afterpay: A Shopper’s Comprehensive Guide


Costco, the popular wholesale club, is a one-stop shopping destination for those looking to buy groceries, electronics, clothing, and much more at great prices. In today’s world, consumers are increasingly looking for convenient and flexible payment options to suit their needs. Afterpay, a popular “buy now, pay later” service, has gained traction as a flexible payment method. But does Costco accept Afterpay? In this article, we will explore the relationship between Costco and Afterpay and discuss alternative payment options available for your shopping needs.

What is Afterpay?

Customers using the buy now, pay later Afterpay service can make purchases and settle the balance in four equal, interest-free installments. This payment method has gained popularity for its flexibility, as it enables shoppers to split their payments over a few weeks, making it easier to budget for their purchases.

Costco and Afterpay

Costco has its own exclusive payment options, such as credit cards, debit cards, cash, and checks, which customers can use for their purchases. It’s essential to check with Costco’s official website or inquire at your local store for the most up-to-date information on their accepted payment methods, as policies may have changed since my last update.

Does Costco Accept Afterpay?

As of my last knowledge update in January 2022, Costco does not accept Afterpay as a payment method. However, it’s essential to note that payment methods can change over time, and retailers may periodically update their accepted payment options to meet customer demand and changing trends. To get the most up-to-date information, it’s advisable to check Costco’s official website or contact your local warehouse.

Should Costco Start Accepting Afterpay?

The decision of whether or not Costco should accept Afterpay ultimately depends on the company’s goals and the demands of its members. Accepting Afterpay could potentially attract new customers and offer existing members an additional payment option, making shopping more convenient. However, Costco may have concerns about the associated fees and costs that Afterpay may impose on retailers. These considerations can be complex and require a careful analysis of the potential benefits and drawbacks.

The Benefits of Using Afterpay at Costco

The Benefits of Using Afterpay at Costco

  1. Budget Flexibility: Afterpay allows you to split your payments into manageable installments, making it easier to budget your Costco shopping.
  2. Interest-Free: With Afterpay, there are no interest charges or hidden fees, ensuring you pay only the price of the products you purchase.
  3. Online Shopping Convenience: This method is particularly useful for online Costco shoppers who want to make their payments more manageable.

Alternative Payment Options at Costco

Alternative Payment Options at Costco

While Afterpay is not an option at Costco, there are several other payment methods you can use when shopping at the wholesale retailer:

Costco Membership Card:

To shop at Costco, you typically need a valid Costco membership card, either Gold Star or Executive. This card is used to gain access to the store and make purchases.

Costco Credit Card:

Costco offers its co-branded credit card, the Costco Anywhere Visa Card, which provides various benefits, including cashback rewards on purchases both inside and outside of Costco.

Debit Cards:

You can use your debit card, as long as it has a Visa or Mastercard logo, to make payments at Costco.

Cash and Checks:

Costco also accepts cash and checks for in-store purchases, providing traditional payment methods for their customers.

Gift Cards:

You can purchase and use Costco gift cards for your shopping needs. These cards are available in-store and online, and they can also be used to reload your Costco Cash Card.

Mobile Payment Apps:

Costco may accept mobile payment apps like Apple Pay, Google Pay, or Samsung Pay, depending on your location and the specific store’s policies.


While Afterpay is a popular and convenient payment method for many retailers, it is not currently accepted at Costco. However, there are numerous other payment options available, allowing you to shop for your favorite items at this wholesale club. Remember to check with your local Costco store for the most current information on accepted payment methods and any recent policy changes.

Costco continues to provide its customers with an array of ways to make their purchases, ensuring that you can shop with ease and convenience. Whether you prefer traditional methods like cash and checks or the convenience of credit cards and mobile payment apps, Costco has you covered for your shopping needs.

Frequently Asked Questions (FAQ) About Costco and Afterpay

Q: Are there any alternative “buy now, pay later” services that Costco accepts?

Costco primarily relies on its own payment methods and may not accept other “buy now, pay later” services. It’s best to check with your local store for any changes in their payment policies.

Q: Can I pay with cash or checks at Costco?

Yes, Costco accepts both cash and checks as payment methods for in-store purchases. However, keep in mind that they might not accept checks from all financial institutions.

Q: Can I use Costco gift cards to make a purchase at Costco?

Yes, you can use Costco gift cards for your shopping at Costco. These gift cards are available for purchase in-store and online.

Q: Are there any mobile payment options available at Costco?

Depending on your location and specific store policies, Costco may accept mobile payment apps like Apple Pay, Google Pay, or Samsung Pay. It’s recommended to check with your local store for the most current information.

Q: How can I find out if Costco’s payment policies have changed since 2022?

To get the most up-to-date information on Costco’s payment methods, visit Costco’s official website or contact your local Costco store directly. They will have the latest information on accepted payment options and any recent policy changes.

Q: Is a membership required to shop at Costco?

In most cases, yes, you need a Costco membership to shop at Costco. They offer different types of memberships, including Gold Star and Executive, each with its own set of benefits and annual fees.

Q: Can I apply for a Costco membership online?

Yes, you can apply for a Costco membership online through their official website, and you can choose the membership type that suits your needs.

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