Nice tip.Its super easy... all you got to do is go to your App->Costco Wallet and add shop card and enter the code and pin and the balance will be loaded to your wallet. Afterwards make sure you toggle the green button "Use Shop Card" and it will automatically deduct how much you have loaded in your wallet from your shopping haul. There is a weird quirk where if you don't enable that green toggle button, there isn't a way to pay with your loaded wallet shop card afterwards (at least as of now).With the income nerf, the 4.5% cash back for online shopping is still something, I have 4x CCR. We do a lot of shopping at Costco, I will have to figure how to to Costco shop cards online and then load them to my Costco app, which I think is a newer feature.
2.25%/3% (vs. 2.625%/3.5%) for the PR is more problematic. As much as I dislike the idea of Robinhood, their 3% CC is looking more appealing now.
I tried the digital costco wallet thing once. I found it limiting. No food court. No pharmacy. Don't know that I tried gas. Not shareable across spouses easily. Kind of a bummer. Are these limitations obviously still in place?
I find physical gift cards more functional, though admittedly more of a pain. Customer service F12 F12.
We spend about $25k/year at Costco, so the 5.25% was glorious while it lasted for many, many years.
Statistics: Posted by FrugalProfessor — Wed Feb 18, 2026 4:26 pm — Replies 9379 — Views 1803879