Costco online shopping in Canada: how Costco.ca works, delivery, and the best card to pay with

Costco online shopping in Canada runs through Costco.ca, which sells many items the warehouses don't carry and delivers them to your door. Prices on Costco.ca include shipping and handling, so the same item can cost more online than in the warehouse, and Costco.ca won't match warehouse prices. Unlike the warehouse, Costco.ca accepts Visa. The CIBC Costco Mastercard pays 2% on Costco.ca orders, on the first $8,000 a year.

How does Costco online shopping work in Canada?

Create an account on Costco.ca, add items to your cart and pay at checkout; each product page lists its own delivery method and terms under "Shipping & Returns". From Costco's customer service pages, checked October 4, 2026:

Remote areas pay an extra shipping and handling fee per item, quoted at checkout from your postal code.

Are Costco.ca prices the same as in the warehouse?

Not always. Costco says products sold online "may have different pricing" than in the warehouse because of shipping and handling, and the vast majority of online items are supplemental to what warehouses carry. Costco.ca doesn't price match warehouses or other retailers. When an item is sold in both places, its Costco.ca page says it "may currently be in stock at your local Costco warehouse for immediate purchase at a cash-and-carry price", a hint to check the warehouse first. For a big, heavy item, an independent helper can also pick up a warehouse order and deliver it.

What does Costco Grocery delivery cost?

Costco Grocery items are ordered on Costco.ca (look for the Costco Grocery tag). Orders under $75 before tax pay a $3 per item surcharge; orders over $75 don't. Remote areas pay extra per item. Costco Grocery doesn't price match the warehouse. For same-day orders shopped by Instacart instead, see what Costco same day delivery costs.

Which credit cards does Costco.ca accept?

Visa, Mastercard (from any bank) and debit, including Debit Mastercard. American Express isn't accepted. That makes Costco.ca the one place a Visa rewards card works at Costco; see what Costco accepts in the warehouse, at the gas station and online.

What is the best credit card for Costco.ca orders?

For most members, the CIBC Costco Mastercard: 2% on Costco.ca with no annual fee, on the first $8,000 of Costco.ca purchases a year, then 1% until January 1, per CIBC's benefits guide. Example only, against a flat 1% card:

Shop on Amazon.ca too? See Amazon.ca Rewards vs the Costco Mastercard.

Above about $667 a month of Costco.ca orders, the extra spending earns 1%, so a card with a higher flat rate on everything, Visa included, can beat it for very large online orders. For a business, the CIBC Costco Business Mastercard pays 2% on Costco.ca and Costcobusinesscentre.ca, also on the first $8,000 a year.

Does Executive membership pay on Costco.ca orders?

Yes. Costco's membership conditions say the 2% reward is calculated on purchases at Costco warehouses in Canada and the U.S. "and online at Costco.ca", so a Costco.ca order earns it on top of the card's 2%, about 4% combined. If you're deciding on Executive, see when the upgrade pays off, and add your Costco.ca spending to the warehouse total when you run the numbers.

What if the price drops after you order?

Costco.ca credits the difference when the Costco.ca price drops within 30 days of your order; see how to claim a Costco.ca price adjustment. Returns follow the Costco return policy.