Costco Anywhere Visa Card by Citi vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Gas Stations Costco

4X Gas Stations

3X Dining

3X Travel

3X Dining

2X Gas Stations

2X Grocery Stores

Network

VISA

AMEX

Key Benefits

None

Pros

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

—

Cons

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

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Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Costco Anywhere Visa Card by Citi vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Gas Stations Costco

4X Gas Stations

3X Dining

3X Travel

3X Dining

2X Gas Stations

2X Grocery Stores

Network

VISA

AMEX

Key Benefits

None

Pros

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

—

Cons

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

Explore More

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Costco Anywhere Visa Card by Citi vs Macys American Express Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Annual Fee

Welcome Bonus

—

Base Earn Rate

—

Top Earn Categories

5X Gas Stations Costco

4X Gas Stations

3X Dining

3X Travel

3X Dining

2X Gas Stations

2X Grocery Stores

Network

VISA

AMEX

Key Benefits

None

Pros

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

—

Cons

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

Explore More

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →