Does Costco offer net 30?
What Costco’s own pages say about paying on invoice terms — and what they don’t say about building business credit.
The short answer
Program: Costco Anywhere Visa Business Card by Citi
Only credit product shown on Costco's credit page is the Citi-issued Costco Anywhere Visa card. The business version has a variable APR and allows minimum payments (revolving). No net terms or invoicing found on Costco's pages.
How to get it
Apply for the Costco Anywhere Visa Business Card through Citi. Requires Costco membership and credit approval.
Does it build business credit?
Costco doesn’t publish which business credit bureaus, if any, it reports to. Any list that names specific bureaus for Costco is repeating something the company itself hasn’t stated.
If building business credit is your reason for opening the account, ask Costco’s credit department in writing which bureaus receive your payment history — or use a vendor that publishes it. Our vendor directory lists who reports where, with dates.
What net-30 lists say
Some net-30 lists or articles discuss 'Costco net 30'; Costco's official pages show only the Citi credit card, no net terms.
Common questions
Does Costco offer net 30?
No — a card or financing, not net terms. Only credit product shown on Costco's credit page is the Citi-issued Costco Anywhere Visa card. The business version has a variable APR and allows minimum payments (revolving). No net terms or invoicing found on Costco's pages.
How do I get net terms with Costco?
Apply for the Costco Anywhere Visa Business Card through Citi. Requires Costco membership and credit approval.
Does Costco report to business credit bureaus?
Costco does not publish which business credit bureaus, if any, it reports to. Ask its credit department in writing, or use a vendor that publishes its reporting.
Sources
Taken from Costco’s own pages or its named program partner — not from other net-30 lists. Terms change; confirm with Costco before you rely on them. Last reviewed October 16, 2026.
- https://www.costco.com/credit-card.html
- https://www.citi.com/credit-cards/money-management/costco-anywhere-visa-business-card-faqs
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Other retailers
Buy from Costco for what it does well. Use us for Experian.
Peak Discounters is a business supply store that reports your account to Experian Business. $49 a year, refunded in full if we don’t approve you, and credited back once your orders total $250. It renews automatically each year at the then-current annual fee unless you cancel before the renewal date. We don’t report to D&B or Equifax — and we say so.
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