Costco is an membership-only warehouse club that provides a wide selection of merchandise, from electronics and clothing to fresh produce and auto care, plus specialty departments and member services including optical, pharmacy, photo center, travel, tire center, and gas station. It is the second largest retailer in the US and the third largest in the world. Costco focuses on selling bulk-packaged brand name products at low prices. It carries its own brand Kirkland Signature. American Express is the only accepted credit card in the US and other countries, except in Canada where American Express has been replaced by CapitalOne MasterCard. Costco has a favorable return policy that most items can be returned with a full refund. Today, Costco has 672 warehouses worldwide including 463 locations in the US.