Chase Amazon Prime Visa vs Citi Costco Visa

[Repo-ed]

Thank you everyone for the feedback. All was great and helpful!

I did swing by Costco to put a whopping .86 gallon of gas into my card and noticed that both at the pump AND inside the store, they do accept ANY VISA for the payment portion of your tranaction. Of course, you will still need a Costco membership to swipe at the pump before being asked to swipe/insert your VISA and the same inside.

Thanks again everyone.

[SBR249]

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@nrmwrote:

Many missed the extra 2% for shopping at Costco and Costco.com. The check mailed out in August each year. Plus, if your cash back each year does not offset the $120.00 annual fee, Costco will reimburse you the difference. Personally, I avoid Chase at all cost.

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I believe the redemption check for Costco Visa holders is actually mailed out in February. At least that's when I got mine this year. Also the reimburse-the-difference policy hasn't been a thing for quite some time now. At least I have never heard of anyone successfully claiming this in several years now. If you've upgraded from regular to executive membership within the past year and you are not satisfied, I think Costco does have a policy of refunding you the difference at any point within that year. They also have an unconditional guarantee where they will cancel and refund your membership fee at any time if you aren't satisfied. But AFAIK, there's no active policy where if you don't make your membership cost back in CB they'll reimburse and let you keep your membership and let you do that year after year. 

I will also note that Costco will take any VISA credit card in store, they will also take any debit card (no network restriction) in store, and they will take any credit card online (no network restriction). If you aren't a member, they may tack on a surcharge for online purchases. If you'd like to shop in store, you can always ask a friend to buy you a Costco cash card, then you can shop without a membership. 

[nrm]

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@SBR249wrote:

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@nrmwrote:

Many missed the extra 2% for shopping at Costco and Costco.com. The check mailed out in August each year. Plus, if your cash back each year does not offset the $120.00 annual fee, Costco will reimburse you the difference. Personally, I avoid Chase at all cost.

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I believe the redemption check for Costco Visa holders is actually mailed out in February. At least that's when I got mine this year. Also the reimburse-the-difference policy hasn't been a thing for quite some time now. At least I have never heard of anyone successfully claiming this in several years now. If you've upgraded from regular to executive membership within the past year and you are not satisfied, I think Costco does have a policy of refunding you the difference at any point within that year. They also have an unconditional guarantee where they will cancel and refund your membership fee at any time if you aren't satisfied. But AFAIK, there's no active policy where if you don't make your membership cost back in CB they'll reimburse and let you keep your membership and let you do that year after year. 

I will also note that Costco will take any VISA credit card in store, they will also take any debit card (no network restriction) in store, and they will take any credit card online (no network restriction). If you aren't a member, they may tack on a surcharge for online purchases. If you'd like to shop in store, you can always ask a friend to buy you a Costco cash card, then you can shop without a membership. 

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This is not true! Amex is a no no. 

Also, most members exceed their annual fee in term of cash back, thus so far almost none has claimed the difference in annual fee. 

http://funcheaporfree.com/2013/03/howtogetthemostoutofyourcostcomembership/

[AverageJoesCredit]

Curious minds want to know...how in devils eggs did you put a gallon of gas into your card? LOL but seriously, are you Steven Segal

[Anonymous]

To get 5 percent back at Amazon you have to get prime membership. So it is a 99 dollar annual fee card. That makes the card pretty worthless if you are concerned about saving money as I am always able to find better deal elsewhere than Amazon. The only time I order there is when someone gives me a gift card.

[HeavenOhio]

Without a Prime membership, the Chase Amazon card still offers 3% rewards on Amazon and Whole Foods purchases. And the 2% categories remain the same. Without a Costco membership, the card can't be kept.

[SBR249]

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@nrmwrote:

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@SBR249wrote:

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@nrmwrote:

Many missed the extra 2% for shopping at Costco and Costco.com. The check mailed out in August each year. Plus, if your cash back each year does not offset the $120.00 annual fee, Costco will reimburse you the difference. Personally, I avoid Chase at all cost.

---

I believe the redemption check for Costco Visa holders is actually mailed out in February. At least that's when I got mine this year. Also the reimburse-the-difference policy hasn't been a thing for quite some time now. At least I have never heard of anyone successfully claiming this in several years now. If you've upgraded from regular to executive membership within the past year and you are not satisfied, I think Costco does have a policy of refunding you the difference at any point within that year. They also have an unconditional guarantee where they will cancel and refund your membership fee at any time if you aren't satisfied. But AFAIK, there's no active policy where if you don't make your membership cost back in CB they'll reimburse and let you keep your membership and let you do that year after year. 

I will also note that Costco will take any VISA credit card in store, they will also take any debit card (no network restriction) in store, and they will take any credit card online (no network restriction). If you aren't a member, they may tack on a surcharge for online purchases. If you'd like to shop in store, you can always ask a friend to buy you a Costco cash card, then you can shop without a membership. 

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This is not true! Amex is a no no. 

Also, most members exceed their annual fee in term of cash back, thus so far almost none has claimed the difference in annual fee. 

http://funcheaporfree.com/2013/03/howtogetthemostoutofyourcostcomembership/

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I stand corrected, Costco's website will only accept Visa, Mastercard, and Discover. However, I do stand by the fact that a reimbursement of the difference is not an official policy that I can find anywhere or have heard any Costco associate say when promoting the higher tier. Despite the fact that most people who sign up for executive membership do probably at least breakeven, there is no guarantee that I've ever seen or heard of that Costco will always make sure that you do beyond their standard promise to cancel and refund your membership in full whenever you ask. I, for one, will be most interested to see any source that proves me to be incorrect in this respect because I would sign up for an executive membership in a heartbeat in that case.