How to get a costco card online

Now you can fill your cart stress-free.

There’s so much to love about Costco with its winding aisles and giant guilty pleasures. (Where else will you get tubs of Nutella bigger than your head?) If it’s your favorite place to shop, we get it, because it’s our favorite, too. One drawback to Costco is you have to have a membership card to pay for all those items you just loaded up in your cart. And if you left your card at home, you might have to stand in line at the membership desk or, worse, make a trip back home.

Costco decided to change their membership game. Your weekly grocery haul just got a whole lot easier.

Your Costco Membership Card Is Now Digital

Say goodbye to the days of tearing your wallet apart in search of that pesky Costco membership card. The bulk retailer has officially made the digital shift, so your membership card is now accessible from your phone.

Now you can enter the store and pay for your items by flashing your mobile screen just like you would with your Starbucks Rewards at the coffee shop.

When the news dropped on Instagram last year, dedicated shoppers flocked to the comments section to ask Costco about the new feature. The digital membership card can’t be used at the gas pump, and the feature is only active in the U.S. and Canada for the time being.

Here’s how to make the most out of your Costco membership.

How to Download Your Digital Membership Card

Getting started is actually pretty easy. Just go to the app store on your iPhone or Android device and download the Costco app. After that, all you need to do is log in to your Costco.com account and enter the numbers on your card. Once you’ve done that, you can get shopping!

Roll up to the register and show the QR code to your cashier to get paying for your goodies. Just make sure you don’t break these unspoken grocery store rules.

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Add CIBC Mastercard as a payee now

To avoid missing future payments, ensure you’re making payments to CIBC for your CIBC Costco Mastercard, even if you haven’t received your new card yet.

Make sure you update your payment information by adding CIBC Mastercard as a payee through your current financial institution using the 16-digit credit card number on your current card.

Your CIBC Costco Mastercard questions answered

Next steps

• You and your authorized users automatically receive all the new CIBC benefits starting on March 4, 2022. Keep using your existing Costco Mastercard. You don’t need to reapply for a new card or wait for the new card to arrive to start enjoying all the benefits.
• Payments to your Costco Mastercard should now be made to CIBC, not Capital One. Payments made to Capital One will not be routed to CIBC after August 2022.
• Ensure seamless online payments of your credit card bill by adding CIBC MASTERCARD as a payee through your current financial institution, using your 16-digit credit card number.
• If you were enrolled in AutoPay on your previous credit card, this service ended on March 3, 2022. You can make a payment to your Costco Mastercard using CIBC Mobile Banking App or CIBC Online Banking, or by setting up CIBC Mastercard as a payee through your current financial institution.
• Set-up new recurring bill payments, including payments of pre-determined amounts to your CIBC Costco Mastercard. Learn how to schedule a recurring bill payment.
• Your new CIBC Costco Mastercard will arrive by mail before August 31, 2022.
• Activate your CIBC Costco Mastercard as soon as you receive it by following the instructions on the sticker on your card.
  • When you’re shopping in a store, you must insert your card and enter your PIN on your first purchase after you activate your new CIBC Costco Mastercard. This will also enable the tap functionality on your credit card for future purchases.
• Watch for your authorized users' cards to arrive in the mail along with yours. Your authorized users' cards will need to be activated before your authorized users can start to use their CIBC Costco Mastercard. Activating your card will activate any authorized users’ cards as well. Your authorized users can also activate their own cards.

Get even more cash back at Costco and everywhere else you shop with your new CIBC Costco Mastercard

Welcome Offer

Get a $20 Welcome Bonus with your new card.10

Earn even more cash back

We're excited to welcome you to CIBC. Your existing Costco Mastercard changed over to the new CIBC Costco Mastercard on March 4, 2022. Start earning even more cash back wherever Mastercard is accepted, and have access to new Mobile Device Insurance1 for your next mobile phone purchase, flexible installment payment options and more.

cash back at restaurants and at Costco gas2

cash back on all other purchases including at Costco

Annual fee and interest rates3

$0 

for primary cardholder and authorized users

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for purchases

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for cash4

Discover your exciting new benefits

Get special rates with CIBC Pace ItTM,5 Installment Plans on Costco purchases

Pay for those larger purchases with CIBC Pace It low-rate Installment Plans, spreading payments over a fixed term.

With your new CIBC Costco Mastercard you can take advantage of special Installment Plan interest rates with no installment fees on eligible Costco purchases in Canada and at Costco.ca Opens in a new window.:

Pay anywhere, anytime with your phone

Make quick and secure purchases using Apple Pay®, Google Pay™ and Samsung Pay® when you add your new card to your mobile wallet.

When you add your Costco Mastercard to your mobile wallet, your card will appear as the CIBC Costco Mastercard even if you haven’t received your physical card yet. Your physical card will arrive before August 31, 2022.

Find a way to pay that suits you.

Valuable insurance included with your new card

Mobile Device Insurance1

Repair or replacement coverage up to $1,000 for your personal mobile device such as your cell phone, smartphone or tablet in the event of loss, theft or accidental damage (drops, cracks or spills) for up to two years following your new mobile phone purchase.

Purchase Security and Extended Warranty Insurance1

Enjoy added security and protection on your new purchases. Your CIBC Costco credit card comes with Purchase Security Insurance. Plus, with Extended Warranty Insurance, you can extend the period of the original manufacturer’s warranty up to one additional year on most new purchases.

Optional creditor insurance for your card

Enjoy the same great benefits you've come to love and more

Carry fewer cards. Your credit card continues to serve as your Costco membership card9.

Get a $20 Welcome Bonus with your new card

You’ll receive your new CIBC Costco Mastercard by August 31, 2022. When it arrives:

1. Make a purchase with your newly activated card. 

2. Register with the CIBC Mobile Banking App or CIBC Online Banking.

Complete these two easy steps in any order before December 31st, 2022, and you'll enjoy a $20 statement credit in an upcoming statement.10

Access helpful tools with CIBC Digital Banking

Get convenient digital access to your card

If you’re new to CIBC Mobile Banking or CIBC Online Banking, use your existing Costco Mastercard credit card number to registerOpens in a new window.and follow the steps on the screen. You’ll then be able to view your balance and transactions, pay your credit card bill and register for security alerts11 and payment reminders.

Did you previously receive online statements?

If you were previously receiving online statements from Capital One, you'll have access to CIBC eStatements through CIBC Online Banking. In order to receive your eStatements, simply register for CIBC Online Banking Opens in a new window., starting March 7, 2022.  If you received paper statements from Capital One, you'll continue to receive paper statements from CIBC. You'll be able to change to paperless once you enrol for CIBC Online Banking.

Make it your own

Once enrolled, update your alert preferences, such as minimum payment reminders, through CIBC Mobile Banking or CIBC Online Banking.

Learn more about account alerts

Looking for more information?

Important information

CIBC will receive your account information from Capital One in order to transfer and maintain your account. CIBC will share personal information with Costco to establish, administer and maintain your CIBC Costco Mastercard or CIBC Costco World Mastercard and your Costco membership. CIBC will collect, use and share your personal information in accordance with the CIBC privacy policy, Your Privacy is Protected. The CIBC privacy policy is available at any banking centre or online Opens in a new window..

How do you get a Costco membership card?

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