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has started to issue new Visa cards to its customers, who after June 20 will no longer be able to use their former Costco cards from American Express.

It’s similar to the process consumers go through after a data breach, Schulz said.

People are like, ‘Well, I’m an Am Ex user,’ and when that changes, that can be disruptive.” For consumers who have a Costco American Express card, there are a few important things to know. Although originally Costco told consumers the transition would happen “sometime after March 31, 2016” when the partnership expires, the company later said they will extend their agreement with American Express until “mid 2016,” “to allow for adequate time to properly transition to our new credit card partners, Citi and Visa.” Costco will accept the Costco/American Express credit cards (as will all other locations that accept American Express) until June 20. Citi announced the details of the new Costco card, which will have rewards some have said are better than the former American Express Costco card.

It includes 4% cash back on eligible gas for the first ,000 per year (and then 1% after), 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and and 1% cash back on all other purchases. Because the card companies are always in tight competition with one another, and they want to preserve their reputations, experts said the companies involved will try to cut down on consumer headaches during the transition. “Citi and Visa will try to make (the transition) as seamless as possible,” said Jason De Leeuw, a senior research analyst at Piper Jaffray who covers American Express.

When Costco announced a year ago they would be ending their exclusive partnership of 16 years, investors and consumers were worried.

Just after the news about the severed relationship, the credit-card company’s stock fell 6.4%, its largest one-day percentage decline since August 2011. There are a lot of bargains to be had at Costco, but the average transaction can be pretty steep (giant packs of paper towels, huge bottles of lotion, big-screen television sets and brontosaurus-sized steaks add up) and paying with a credit card offers shoppers more convenience and flexibility than cash or debit cards.

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