Digital Wallets and Visa Compatibility Customers who rely on mobile wallets might assume that a Citi Mastercard stored in Apple Pay would be declined. If your primary card in your wallet is a Citi Mastercard, ensure you have an alternative Visa card or a Shop Card available.
Why Costco Doesn't Accept Mastercard and What to Use Instead
Using the Costco Citi Card It is important to distinguish between the Costco Shop Card and the Costco Costco Citi Card. Costco’s Payment Network Restrictions Costco operates with a highly curated payment ecosystem to maintain low fees and maximize value for its members.
Because the Citi Mastercard carries the Mastercard logo rather than the Visa logo, point-of-sale systems at Costco are not configured to process these payments, even if the card functions normally at other retailers. The acceptance of the Citi Mastercard at Costco locations is a common point of confusion, especially given the widespread network of ATMs and payment terminals inside the warehouse.
Why Costco Doesn't Accept Citi Mastercard (Only Visa)
Members and visitors have a clear path to completing their purchases without needing to search for an alternate card at the register. For many years, the warehouse club has operated as an exclusive Visa partner, which means that third-party Mastercard products, including the Citi Mastercard, are not accepted at the register.
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