目前Costco线下店面只接受MasterCard。
如果你在逛超市时有所留意，会发现礼品卡的区域挂着一种叫Prepaid MasterCard的卡片。而这种卡片账上是有储值的，激活后可以在线上线下所有接受MasterCard的地方使用。这些Prepaid MasterCard有管理费或激活费，以及购买时对ID的要求，下面会列举出来。（来源：RFD）
然后，我们介绍过American Express Cobalt Card，这张卡在Grocery Store可获得5倍积分，保守估计就是5%的消费回报；这张卡本身的Welcome Bonus就是30,000 Membership Rewards。如果点数用得好，回报可以更高。因为是Membership Rewards Selected，那么最合适的用法还是兑换成万豪酒店积分。
所以这里的玩法就是：先申请AmEx Cobalt，去Grocery Store购买Prepaid MasterCard，再用Prepaid MasterCard去Costco消费。
不可充值的Prepaid MasterCard（无需ID）
- 7-11, MoneyMart, London Drugs (Vanilla MasterCard $25, 50, 100 or 200) (Loading Fee $3.95-6.95 Funds do not expire, beware certain websites will not accept this card due to lack of address registration)
https://www.vanillaprepaid.com - Shoppers Drug Mart, Safe-on-Foods (The Prefect Gift MasterCard Gift Cards $25, 50, 100, 200 denominations) (Loading Fee -$3.95 to 7.50. Funds do not expire) Monthly Fees (after the first 12 months)
https://www.theperfectgift.ca/ - Safeway & Lawtons (The Ideal Choice MasterCard Gift Card $25, 50, 100, 200) (Loading Fee $2.95-5.95. Funds do not expire)
https://mastercard.giftcardstore.ca/ - 【推荐】7-11 (One Vanilla Mastercard Max $500) (Loading Fee $7.95 Funds do not expire)
https://www.vanillaprepaid.com - Giftcards.ca (Virtual Joker Prepaid Mastercard $25-500) (Loading Fee $7.95 Funds do not expire) VIRTUAL CARD – NO PHYSICAL CARD FOR ONLINE PURCHASE ONLY https://www.giftcards.ca/deal/mastercard-egift-8
可重复充值的Prepaid MasterCard（需要ID）
- Bank of Montreal Prepaid Travel Mosaik MasterCard ($6.95 annual fee, account bill payment/transfer only)
http://www.bmo.com/home/personal/bankin … edit-cards - My Vanilla Reloadable MasterCard (Available at 7-11, Fine Foods in SK and Avondale Food Stores in ON)
https://www.myvanillacard.com - PayPower (Safeway & Home Depot, excluding SK, QC, NWT & YK) ($6.95 purchase fee, monthly fee $4.95)
https://paypower.hometrust.ca/program-features - Opt+ MasterCard (Cash Money Stores. Chip Enabled)
http://myoptplus.ca/ - Titanium+ MasterCard @ MoneyMart ($12.99 + tax Purchase Fee, $0.50 per POS if choose the $6.50 monthly fee option or pay $12.99/mth without POS/ATM fee. Chip Enabled)
http://www.mytitanium.ca/
Costco购物，巧用American Express Cobalt信用卡先购置Prepaid MasterCard，再挥卡购物，轻松收获5%返现，积分兑换酒店更显尊贵！
记得留意不同Prepaid MasterCard的激活费和管理费，选择最划算的。