Costco Anywhere Visa® Card by Citi
- Best for: Costco members who buy gas often; households that eat out and shop at Costco
- Gas: 5% at Costco and 4% at other eligible stations and EV chargers on the first $7,000 a year combined, then 1%
- What Sets It Apart: 4% to 5% on gas and 3% on dining with no annual fee beyond the membership; doubles as your Costco membership card
- Cost: $0 annual fee with a paid Costco membership ($65 or $130 a year); 18.99% to 26.99% variable APR; no foreign transaction fee
- Features: 3% on restaurants and eligible travel; 2% on other Costco and Costco.com purchases; 1% on everything else
- Pros: 3% on dining and travel; no fee for authorized users who hold a Costco membership; no foreign transaction fee
- Cons: Rewards come once a year as a certificate redeemable only at U.S. Costco warehouses by Dec. 31; 1% outside its categories; gas at Walmart, Sam’s Club, Kroger, and other excluded stations earns 1%
Get the Costco Anywhere Visa® Card by Citi if you’re a Costco member who buys a lot of gas. It pays 5% on Costco gas and 4% at other eligible stations, on up to $7,000 a year. Skip it if you want your rewards monthly, since they come once a year, redeemable only at Costco.
Citi issues the Costco Anywhere Visa Card only to Costco members, and it doubles as your membership card at the warehouse. Business owners have a separate version, the Costco Anywhere Visa Business Card by Citi.
Key Features
- No annual fee with a paid Costco membership, which costs $65 a year for Gold Star or $130 for Executive
- 5% at Costco’s gas pumps and 4% at other eligible gas stations and electric vehicle (EV) chargers, on the first $7,000 a year combined, then 1%
- 3% on restaurants and eligible travel (Costco Travel included), 2% on other Costco and Costco.com purchases, and 1% on everything else
- Cash back paid once a year, after your February statement, as a certificate you can cash or spend at a U.S. Costco warehouse through Dec. 31
- No foreign transaction fee and a variable interest rate (APR) of 18.99% to 26.99%
Pros
- 4% to 5% at the pump on up to $7,000 of fuel and charging a year, about $580 a month
- 3% at restaurants and on eligible travel, one percentage point more than a flat 2% card pays
- No fee for authorized users with a Costco membership in their name, and their cash back joins yours
Cons
- Rewards come once a year and must be redeemed in person at a U.S. Costco warehouse by Dec. 31, while your membership is active
- Closing or switching the card before your February statement forfeits cash back not yet paid out
- Only 1% on purchases outside its categories, half of what a flat 2% card pays
- Gas at Walmart, Sam’s Club, Kroger, and other stations on Citi’s exclusion list earns just 1%
Make it your card for gas, dining, travel, and Costco, and pair it with a flat-rate card that pays 2% on everything else. If you rarely drive or want your rewards as you earn them, choose a no-fee Visa cash back card that pays a flat 2% on everything, Costco included.
Learn more about the Costco Anywhere Visa® Card by Citi or see how it compares to the best gas credit cards.
Editorial & Advertiser Disclosure: The editorial content on this page is not provided, commissioned, reviewed, approved, or otherwise endorsed by any advertiser. Opinions expressed here are ours alone, not those of any advertiser. The offers that appear on this site are from companies that compensate us. That compensation may influence which products we cover and where and how they appear on a page – including the order in which they appear – but it does not influence our evaluations, ratings, or opinions. We do not include every company or offer available in the marketplace.
Related:
