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  • Exclusively for Costco®* members
  • Earn 3% cash back at restaurants, 2% on gas and up to 1% on all other purchases1

Right for you if:

  • You're a 

    You must be a Costco member to apply for and use this card. If you're not, go to to become a member, and then come back here to apply for the card.

    Costco member
  • You like earning cash back






Balance Transfer

19.75% (Currently Not Available)

Cash Advance



Not yet rated


Earn cash back virtually everywhere.

The Capital One MasterCard is exclusively for Costco members.


  • Get 3% on restaurant purchases, 2% on gas purchases and up to 1% on all other purchases
  • No limit on how much you can earn
  • No annual fee

Earn cash back virtually everywhere – not just at Costco

Your card is accepted at over 35 million locations worldwide. Whether you're at the mall, the grocery store or on vacation, you'll earn cash back on every purchase you make.

  • 3% on restaurant purchases
  • 2% on gas purchases
  • 0.5% on the first $3,000 you spend annually on all other purchases, and 1% after that
  • There's no limit on how much you can earn
  • Get your cash back in January as a rebate coupon you can use to shop at Costco3


Price Protection Service

When you use your Capital One credit card to buy a new item in Canada that is offered for sale at a lower price within 60 days of purchase, Price Protection Service pays you the difference up to $100 per item and $500 per calendar year.

Purchase Assurance

Most personal items purchased are automatically insured against theft, loss or damage anywhere in the world for 120 days from the date of purchase when the full cost of the item is charged to your Capital One credit card. Covered items will be replaced or repaired or the purchase price will be reimbursed at the insurance company's discretion.

Extended Warranty

When you use your Capital One credit card to purchase most personal items (and the full cost of the item is charged to your card), Extended Warranty coverage automatically doubles the original manufacturer's warranty for up to two years.


Common Carrier Travel Accident Insurance

Charge your fare to your Capital One credit card and you, your spouse and dependent children are insured against accidental loss of life or dismemberment for up to $250,000 while travelling on a common carrier (for example, a bus, cruise ship, plane or train).

Car Rental Collision/Loss Damage Waiver

Charge the full cost of your car rental to your Capital One credit card and decline the collision damage waiver insurance offered by the rental agency (you could save $20-$30 per day) and you'll be insured if your rental car is damaged or stolen when you rent the car for a period of up to 31 days.

Baggage Delay

If your checked baggage is delayed for more than four hours at your away-from-home destination, you may be eligible for reimbursement of up to $100 per day for up to three days to purchase essential items. Simply charge the full cost of your tickets to your Capital One credit card.

Travel Assistance

Provides 24/7 assistance for medical referrals, emergency cash transfers, lost documents and ticket replacements, lost luggage assistance and legal referrals when travelling outside your province of residence. Any costs incurred in connection with these services are charged to your Capital One credit card.


MasterCard Global ServiceTM

Provides emergency card replacement, emergency cash advance, 24/7 telephone access and referral to the closest ABM.

Zero Liability

If you’re worried about unauthorized charges being made to your account, relax. As a Capital One® cardholder, you’re protected. We provide Zero Liability for unauthorized use of your card. That means you won’t pay for any unauthorized purchases on your card. We also monitor your account regularly for fraudulent activity.

Download the Certificate of Insurance for this card (304.82kb PDF)
Requires the latest version of Adobe Reader® 


Cash back is applied to total net purchases. That means any purchase that's charged to your credit card minus credits or returns. Cash advances, balance transfers, fees, interest charges and account access cheques aren't eligible for cash back.


Purchase Assurance, Extended Warranty, Car Rental Collision/Loss Damage Waiver and Baggage Delay insurance are underwritten by American Bankers Insurance Company of Florida (ABIC), while Price Protection Service is a service provided by ABIC. Travel Accident insurance is underwritten by American Bankers Life Assurance Company of Florida. Details of the coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with the card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel.


Rebate coupons are only issued to eligible accounts.

Additional terms and conditions apply to the cash back program and will be provided upon approval.

®*: Registered trademark of Price Costco International, Inc. used under license.
MasterCard, the MasterCard Brand Mark and the Cirrus Brand Mark are registered trademarks of MasterCard International Incorporated.

In addition, we have a number of checkpoints to ensure your identity stays safe during the application process. If we're unable to confirm your identity during the application process, you'll need to go into a Costco Wholesale warehouse and complete a new application.