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For example, if you earn cash back in 2024, you can only redeem it between March and December 2025. Your earnings will be sent as a certificate that you can cash in at your local Costco warehouse.

but you'll need a Costco membership to apply for and use the card. You'll receive your cash back once a year, in the form of a certificate that you can only redeem at a Costco warehouse in a ...

(Learn more about how to redeem Costco credit card rewards.) In comparison, both Walmart cards earn the most rewards on Walmart purchases. However, there's an important distinction — 5% back ...

Costco loyalists can rack up some nice rewards with this card, but you'll only be able to redeem them once a year — and you'll have to go to a physical Costco store to do it.

Once you receive your rewards certificate, you can only redeem it in-store at Costco for cash or Costco merchandise, which is hardly a seamless process. Annual fee: $0 with a paid Costco ...