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Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
- 19.74% (Variable) Regular Purchase APR
- 19.74% (Variable) Balance Transfer APR
- 29.74% (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: 19.74% (Variable)
- Balance Transfer APR: 19.74% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 29.74% (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
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Upgrade Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines from $500 to $25,000 in one unique package. The card provides consumers the flexibility and predictability to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals – or any list of the best credit cards in the U.S.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a credit card with the predictability of a personal loan
- $0 annual fee, $0 activation fees, $0 foreign transaction fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- You struggle to pay off your credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn cash back for your purchases
- You have a desire to get debt-free quickly
- You hate penalty or other hidden fees
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
Upgrade Visa® Card with Bitcoin Rewards
Upgrade Visa® Card with Bitcoin Rewards
- 14.99%-29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The Upgrade Visa® Card with Bitcoin Rewards offers no fees, low rates, cash back in bitcoin, and credit lines up to $20,000 in one exceptional package. The card provides the flexibility and predictability to pay down card balances and get debt-free quickly – with the added benefit of crypto rewards on every purchase.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking account and making 3 debit card transactions
- Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases
- The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin
- No annual fees, no foreign transactions fees
- Get pre-approved in seconds with no impact to your credit score
- Pay with your phone or device by using Apple Pay® or Google Pay™
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.
- Not available in DC, IA, WV, WI, NH, HI.
- Regular Purchase APR: 14.99%-29.99% variable based on creditworthiness and the Prime Rate
- You struggle to pay off credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances to earn bitcoin rewards for purchases
- You don’t want to pay an annual fee
Petal 2 Visa® Credit Card
Petal 2 Visa® Credit Card
- 17.49% to 31.49% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Petal 2 Visa® Credit Card is a decent option for those looking to raise their credit score but don’t want to pay fees. The card offers 1%-1.5% cash back on all eligible purchases and features no annual fee, no foreign transaction fees, and more. The card is issued by WebBank.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.49% to 31.49%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
- Regular Purchase APR: 17.49% to 31.49% variable based on the Prime Rate
- You don’t want to pay an annual fee
- You plan to make your monthly payments on-time each month
- You prefer not to pay an annual fee
- You have a fair credit score
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What is Visa?
Visa is the world’s largest payment network. Over 335 million credit cards, debit cards, and prepaid cards are in circulation bearing the Visa brand name – more than 100 million more than Mastercard, its closest rival. Visa is a global financial corporation with its headquarters in Foster City, California. The company, as the largest payment network, helps banks conduct electronic funds transfers – the process by which card payments are made.
Visa does not issue credit cards itself. Nor does the company issue its own debit cards or prepaid cards. Instead, Visa partners with banks, lenders, and other financial institutions to provide payment solutions for their card products.
Where is Visa Accepted?
The Visa network is the most extensive payment network in the world. As such, Visa credit cards are accepted in over 200 countries across the globe. While Mastercard is accepted in slightly more countries (212 to 200), Visa is accepted by more merchants – over 40 million to date.
The Visa network is so vast there is never a need to ask, “do you accept Visa?” The chances are that if the store takes electronic payments, they take Visa. This reliability is what makes Visa such a trusted name in the credit card industry.
Having a card with Visa on it gives you the peace of mind that you are protected anywhere you go. It’s no wonder Visa’s slogan, “It’s everywhere you want to be,” is so iconic.
Types of Visa Credit Cards
While Visa doesn’t issue cards themselves, they do offer several tiers of credit cards to issuers. Each tier has unique benefits and perks for cardholders, including comprehensive protection. There are currently three tiers of Visa personal credit cards and three tiers of Visa business credit cards:
Personal Cards:
- Classic/ Traditional/ Platinum
- Signature
- Infinite
Business Cards:
- Business
- Signature Business
- Infinite Business
Traditional
Visa Traditional (also known as Visa classic or Visa Platinum) is the basic level of Visa credit or debit card. These cards offer basic protections and benefits that most cardholders have come to expect from the Visa name. Traditional Visa cards typically do not have an annual fee, except for some secured credit cards
Visa Signature
Visa Signature is the mid-tier of the Visa range of card products, offering elevated service, benefits, and security. Signature cards may – or may not – have an annual fee and typically come with rewards from the issuer.
Visa Infinite
Infinite is the ultimate in credit card perks and protections. Infinite credit cards are the most prestigious of travel cards, offering luxury, statement credits, and hefty annual fees to match. These cards are the upper tier of a bank’s credit card lineup.
Visa Credit Card Benefits and Protections
Here are the safety features and perks associated with each of Visa’s personal credit cards:
| Platinum | Signature | Infinite | |
| Zero Fraud Liability | ✅ | ✅ | ✅ |
| Roadside Dispatch | ✅ | ✅ | ✅ |
| Cardholder Inquiry Services | ✅ | ✅ | ✅ |
| Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
| Emergency Card Replacement | ✅ | ✅ | ✅ |
| ID Navigator from Norton | ✅ | ✅ | ✅ |
| Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
| Travel and Emergency Assistance Services | ❌ | ✅ | ✅ |
| Extended Warranty | ❌ | ✅ | ✅ |
| Signature Concierge | ❌ | ✅ | ❌ |
| Infinite Concierge | ❌ | ❌ | ✅ |
| Luxury Hotel Collection | ❌ | ✅ | ✅ |
| Return Protection | ❌ | ❌ | ✅ |
| Travel Accident Insurance | ❌ | ❌ | ✅ |
| Trip Cancellation/ Trip Interruption Insurance | ❌ | ❌ | ✅ |
| Trip Delay Reimbursement | ❌ | ❌ | ✅ |
| Lost Luggage Reimbursement | ❌ | ❌ | ✅ |
Visa Benefits Explained
Here is a quick breakdown regarding these Visa features, including what cardholders can anticipate from each Visa credit card:
- Roadside Dispatch: Visa Roadside Dispatch is a pay-per-use towing and roadside assistance program. This program gives travelers peace of mind should they break down, anywhere, 24/7.
- Auto Rental Collision Damage Waiver: Receive coverage when you use your Visa to pay for the entire cost of car rental. This protection covers damage due to collision or theft.
- Cardholder Inquiry Service: 24/7 access to Visa customer service representatives who can provide detailed information for members in all major languages.
- Lost or Stolen Card Reporting: Visa will help you block your lost or stolen card and connect you with your bank.
- Emergency Card Replacement: Once connected with your bank, Visa will work with them to get you an emergency replacement card within one to three days. Conditions apply.
- Emergency Cash Disbursement: Visa can also work with your bank to help get your emergency cash until your new card arrives.
- Zero Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Extended Warranty Protection: This program provides holders with an extra year of warranty coverage for eligible U.S. manufacturer goods with a warranty of one year or more.
- Year-end Summary: A detailed summary of your spending to help simplify your budgeting in the new year.
- Travel and Emergency Assistance Services: 24/7 assistance for Signature cardholders anywhere in the world.
- Visa Signature Concierge: Customized customer service to help cardholders make reservations, buy tickets, and receive advice.
- Visa Signature Luxury Hotel Collection: Signature cardholders get exclusive access and guest privileges at over 900 luxury hotels worldwide.
- Return Protection: Receive extra protection for items you purchase with your Infinite Card of up to $300.
- Purchase Security: Eligible purchases made with an Infinite card are protected from damage or theft within 90 days of purchase.
- Travel Accident Insurance: $500,000 of accidental death or dismemberment coverage for travel booked with an Infinite Card.
- Trip Cancellation/ Trip Interruption Insurance: If you must cancel or interrupt a trip paid for with your Infinite Card, Visa will reimburse you for the non-refundable costs.
- Trip Delay Reimbursement: Get reimbursed if your flight is delayed by more than six hours or requires an overnight stay. Terms and conditions apply.
- Lost Luggage Reimbursement: Receive reimbursement for lost or missing luggage when you purchase an airline or common carrier ticket with your Infinite card.
- Visa Infinite Concierge: Personalized concierge service 24/7.
- Visa Infinite Luxury Hotel Collection: Enhanced benefits over Signature, including free breakfast, room upgrades, and more.
Visa Business
Visa business cards come with many of the same features of personal cards, but with additional tools to help businesses succeed. These tools include payment management by combining statements, additional employee cards, and business monitoring tools. These protections allow companies to keep control of their finances, while the Signature and Infinite perks enable employees to travel in comfort and style at the same time.
Here’s a breakdown of Visa Business features by card type:
| Visa Business | Visa Signature Business | Visa Infinite Business | |
| Zero Fraud Liability | ✅ | ✅ | ✅ |
| Roadside Dispatch | ✅ | ✅ | ✅ |
| Cardholder Inquiry Services | ✅ | ✅ | ✅ |
| Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
| Emergency Card Replacement | ✅ | ✅ | ✅ |
| Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
| Travel and Emergency Assistance Services | ✅ | ✅ | ✅ |
| Purchase and Extended Protection | ✅ | ✅ | ✅ |
| Lost Luggage Reimbursement | ❌ | ✅ | ✅ |
| Travel Accident Insurance | ❌ | ❌ | ✅ |
| Trip Delay and Cancellation Insurance | ❌ | ❌ | ✅ |