Capital One Mastercard For Costco Members Calculator

Card Details & Cash Back Calculator
3% Dining
2% Gas
0.5%/1% Non-Category

Calculate how much cash back you can earn with the Capital One Mastercard, exclusively for Costco members, based on your spend and compare to top cards.


The Costco Capital One Mastercard is a very generous cash back that offers an unlimited 3% cash back on restaurant purchases and 2% cash back on gas purchases. This card, only available to Costco members, has no annual fee, earns up to 1% cash back on other purchases, and comes with travel and purchase protection. If you have a Costco membership (or you plan on getting one), I highly recommend picking up this card to earn some solid rewards.

Bonus Categories

The Costco Capital One Mastercard has two bonus categories which are restaurant and gas station. There's no limit to the amount of cash back you can earn spending in these categories and no limit to the amount of cash back you can earn with the card overall.

  • 3% Restaurant
  • 2% Gas Station
  • 0.5%-1% Non-Category
    • You'll earn 0.5% cash back on the first $3,000 spent annually on the card, and 1% after that.

Perks & Benefits

The Costco Capital One Mastercard doubles as your Costco Membership card and comes with travel and purchase protection.

  • Use As Costco Membership Card
  • Travel & Purchase Protections
    • Common Carrier Travel Accident Insurance
    • Car Rental Collision/Loss Damage Waiver
    • Baggage Delay
    • Travel Assistance
    • Price Protection
    • Purchase Assurance
    • Extended Warranty

Sign Up Bonus (SUB)

There's no standard sign up bonus for the Costco Capital One Mastercard.

Fees

Annual Fee

The Costco Capital One Mastercard doesn't have an annual fee, but it does require a Costco Membership which will cost you $60 or $120 per year depending on the membership.

Authorized User Fee

There is no fee to add authorized users to your Costco Capital One Mastercard. I highly recommend adding adding authorized users so that you can build up your cash back even faster.

Foreign Transaction Fee

The Costco Capital One Mastercard has a foreign currency conversion fee of 2.5%.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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From Bonuses
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Cash Value
Cash value of total earnings based on currency worth.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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Annual Fee
Auth User Fee
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Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
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Total Return
The percent you are earning based on spend, earnings, and fees.

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