Does WinCo Take Credit Cards? Other Payment Options


Literally, every store or restaurant you shop or probably, make some purchase(s) accepts payment via credit cards, indeed, it is one of the most common payment methods available.

While the usage of credit cards ranges from making some gas purchases, purchasing some groceries from an in-store, ordering your favorite dish(s), etc.


WinCo is a popular grocery store in the United States. If you are looking for a reliable place to buy some groceries, then WinCo is a good option.

However, most people have lately been concerned if WinCo accepts credit cards as a payment method. Well, your judgment could portray a Yes answer to the question above, since virtually every store considers payment via credit card.


This case may not always be as you expect, therefore, in this article, I will be answering the question based on the possibility of making a payment with your credit cards at WinCo. 


Does WinCo Take Credit Cards?


Unfortunately, you won’t be able to make payment with your credit card at any WinCo location, however, you may want to consider other payment methods available that can be used in making payment for your purchase at Winco.


A reason given for this action by WinCo is: 

“Due to the transaction rates associated with credit card processing, our employee-owned stores do not accept credit cards. We accept debit cards that require a pin number”



Based on the above reasons, you could deduce that the main reason(s) why WinCo stopped accepting payment via credit card is a result of trying to keep company costs low, by avoiding paying fees associated with each swipe or chip insertion of a credit card.

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By this, item prices could benefit customers. However, the downside of this is, that more customers are going to turn to other grocery stores accepting payment via credit cards, and this is likely to bring down company revenue.

Therefore, if you need to make payment for your purchases at WinCo, then you ought to consider paying with your debit card that has a PIN, or probably, consider other available payment methods at WinCo.


Other Payment Methods in WinCo


Now that you are certain that you won’t be able to make payment with your credit card at WinCo.

There are two options you may want to consider, the first option is to try a different grocery store, there are numerous grocery stores accepting payment via credit card which you may want to consider.

Another option you may want to consider is: if you truly want to make your grocery purchase at WinCo, then you certainly need to consider paying with other payment methods, since WinCo does not accept credit cards, then definitely it will accept other payment methods.


However, the following are payment methods you can choose to use when making payments for your groceries at WinCo.

  1. Debit card
  2. Cash
  3. Checks
  4. EBT
  5. WIC

Therefore, among the listed payment options above, you can consider anyone based on your choice.


Will Win Co Ever Take Credit Cards?


Will Win Co Ever Take Credit Cards?


We can’t be certain if WinCo will ever take payment via credit card, this is because the main reason why WinCo had discontinued accepting payment credit card payments is simply to cut down excessive charges associated with credit card transactions.

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WinCo also has no official statement if they will ever accept payment via credit card, they only gave reasons why they are currently not accepting payment via credit card.

Therefore, while WinCo does not accept payment via credit card, the best option is to consider paying with the available payment methods, which I have listed in this article, or better, you can consider other grocery stores if you want to pay with your credit card.


Will Winco Stop Accepting Cash?


Will Winco Stop Accepting Cash


Though some stores already stopped accepting payment via Cash, this is a result Covid 19 regulations, to make things more contactless. However, WinCo has no plans or intention to discontinue accepting payment via Cash.

Therefore, if you have cash, then you can consider making the payment with your cash at any WinCo location and it will be accepted.


Does WinCo accept Debit Card?


Yes, you can consider making payments for your purchase(s) at WinCo with your debit card, this is the most common payment method available at WinCo.

Although you may also wish to pay with cash or probable checks, either option will work just fine at WinCo.

WinCo accepts Debit card brands originating from Visa, Mastercard, Discover, and Amex.



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Payment via credit card is one of the most popular and commonest payment methods available today most stores accept payments from customers who intend to pay with their credit card.

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Unfortunately, WinCo is among grocery stores that currently do not accept payment via credit card, and therefore, as a shopper, you are only open to a few other payment methods, because, at WinCo, you can not make payments with mobile wallets such as Apple Pay, Google Pay, and the likes.


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