| Last updated on September 23rd, 2023
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
- 20.24% (Variable) Regular Purchase APR
- 20.24% (Variable) Balance Transfer APR
- 29.99% (Variable) Cash Advance APR
At a Glance
If you’re a Costco member and want to start earning some serious cash back rewards, the bonuses available via the Costco Anywhere Visa® Card by Citi – including 4% on gas and EV charging and 2% on your Costco purchases – may be just what you’re looking for.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- Regular Purchase APR: 20.24% (Variable)
- Balance Transfer APR: 20.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% variable based on your creditworthiness and the Prime Rate
- Annual Fee: $0 with Costco Membership
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're a Costco member and want to earn 2% cash back on purchases at their physical and online stores, as well as 4% cash back on gas and EV charging purchases – including gas sold at Costco
- You enjoy earning cash back on everyday purchases such as dining and travel
- You seek a versatile rewards credit card with numerous travel protection perks, no foreign transaction fees, and no annual fees as a Costco member
Costco Anywhere Visa® Card by Citi Review
Just as Costco is known for its incredible values, so too is the Costco Anywhere Visa® Credit Card by Citi revered for the cashback rewards that cardholders can build up for the purchases they likely already make on a regular basis.
How to Earn Rewards
Citi’s Costco Anywhere Visa card goes big with accelerated cash back rewards in several key categories. Cardholders earn an impressive 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% after that – making the Costco Visa one of the best gas credit cards on the market.
Cardholders earn big cash back with gas or EV charging and enjoy impressive rewards on dining and travel: namely, 3% cash back on restaurants and eligible travel purchases. They’ll also earn 2% cash back on purchases from Costco and Costco.com, and 1% back on all other eligible purchases.
The travel bonus category is a great touch for Costco members who prefer cash back at their favorite box store but also want rewards when exploring the world on vacation. Citi’s “eligible travel” categories fit this purpose to a T, with airfare, car rentals, cruise lines, Costco Travel purchases, hotel, and travel agency bookings all eligible for 3% back. Throw in no foreign transaction fees and you have a versatile rewards credit card for nearly any occasion.
How to Redeem Rewards
Redeeming cash back rewards with Costco is straightforward. Cash back rewards are redeemable as a rewards certificate. Cardholders must wait for their February billing statement to begin claiming their rewards with Costco. They then have until December 31 to redeem their certificate at their local Costco for cash or merchandise.
The redemption process with the Costco Anywhere Visa leaves a bit to be desired, though. For example, if the cardholder earned cash back in 2022, they would not be able to redeem their cash back until March 2023. Other Citi credit cards provide a more streamlined redemption method (although they don’t offer the same Costo-centric perks).
Travel Perks
As mentioned, Citi’s Costco Anywhere Visa® Card is a pretty solid travel credit card. Combining 4% back on gas and EV charging purchases along with no foreign transaction fees makes the card the ideal companion for those who not only love to travel but prefer to rent a vehicle to get around on their journeys.
Peace of mind also comes from Visa’s 24/7 emergency assistance, which can help make arrangements in critical situations even if you don’t speak the local language. These perks are further boosted by trip cancellation and interruption protection, which can reimburse cardholders for otherwise non-refundable travel fees paid for with the Costco Visa card.
Here are all the benefits Costco Anywhere cardholders can expect from their Visa credit card:
| Zero Fraud Liability | Cardholder Inquiry Services | Emergency Card Replacement |
| Roadside Dispatch and Auto Collision Damage Waiver | Lost/Stolen Card Reporting | ID Navigator from Norton |
Retail Card Comparison
Which box store credit card is right for you? Here are how two of the most popular options compare:
 Sam’s Club® Mastercard® |
Costco Anywhere Visa® Card by Citi |
|
| Rewards | Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%); 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back; 3% cash back on dining and takeout; 1% cash back on other purchases | Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter;3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases |
| Network | Mastercard | Visa |
| Annual fee | No annual fee | No annual fee |
Card Availability
Citibank credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.
Citibank Ratings
How does the Costco Anywhere Visa® Card by Citi stack up? Here is a selection of expert reviews for the card, as well as an overview of Citi® as a bank:
| BestCards | Better Business Bureau | TrustPilot |
|
4/5 |
4/5 |
3/5 |
Should You Apply for the Costco Anywhere Visa® Card?
Overall, there is plenty to like about the Costco Anywhere Visa® Card by Citi. The card earns accelerated cash back rewards in all the right essential categories, including gas and EV charging stations, travel, and dining. Add to that Visa travel protections and no hidden fees for foreign transactions or card membership, and the sum of the parts is an impressive credit card for any occasion. And, if the redemption process is a little convoluted, the redemption method is likely ideal for the average Costco customer, since they can easily stock up on their favorite supplies (or even splurge on a new addition to their home).
The information related to Costco Anywhere Visa® Card by Citi has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
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