Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Maximize your membership — fill your cart with Cash Back Rewards
Earn up to 5% cash back on gas at Costco, 4% on other gas and EV charging, 3% on restaurants and travel, and 2% at Costco — all with no card annual fee when you maintain your Costco membership.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Traditional
Rewards Currency
Cash
Credit Required
Excellent
Bonus: $60 cash back
Spend: $500
Period: 3 months
Earn 5% cash back when you fill up at Costco gas stations worldwide.
Spending $200/month on gas at Costco earns $120/year in cash back
Earn 4% cash back on other eligible gas and EV charging purchases. Combined $7,000/year cap with Costco gas, then 1%.
Spending $300/month on gas earns up to $144/year in cash back
Earn unlimited 3% on restaurants, bars, cafes, and eligible travel including Costco Travel bookings.
Spending $500/month on dining and travel earns $180/year in cash back
Earn 2% on all purchases at Costco warehouses and Costco.com.
Spending $400/month at Costco earns $96/year in cash back
Benefits & Perks
Coverage for accidental injury or death while traveling by common carrier when fare is paid with your card
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 18.74%–26.74% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee |
Highest rate (conditional)
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Coverage for theft or damage to rental vehicles when you decline the rental company's CDW and pay with your card
Up to $1,000 per item, $50,000 per year, for eligible purchases damaged or stolen within 120 days.
View your FICO® Score anytime on Citi Mobile App or online without impacting your credit score
24/7 assistance for emergency travel arrangements, medical and legal referrals, and multilingual support worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Despite good rewards for Costco shoppers and gas purchases, the lack of a sign-up bonus and limited redemption options make it a poor choice for travel-focused point collectors.
Skip this card and don't waste a 5/24 spot. While the card offers good points multipliers for Costco shoppers and gas purchasers, the rewards can only be redeemed at Costco. We don't recommend cards that lack a sign-up bonus and have limited redemption options. The goal of the points and miles strategy is to earn free or discounted travel, and numerous other cards would better serve this purpose.
This card offers some value if you're a frequent Costco shopper who regularly purchases gas at their stations. The Costco Anywhere card provides:
- 5% back on gas purchases at Costco
- 4% back on other eligible gas and EV charging stations (with an annual combined cap of $7,000 for cash back on gas/EV)
- 3% back on restaurants and eligible travel, including Costco Travel
- 2% back on all other Costco purchases
- 1% back on everything else
While loyal Costco shoppers could earn substantial rewards, the lack of a sign-up bonus and limited redemption options (only at Costco or for cash) make it difficult to justify using a valuable 5/24 position for this card. There is no annual fee, but you must maintain a Costco membership, which starts at $65 per year.
The exceptions where this card might not be good for you.
- You want to use your miles and points to cash in for free travel, and while yes, you can use this cash back through Costco Travel, there are so many better cards and redemption offers out there
If you're a regular Costco shopper who has been collecting points for some time, you've likely experienced trying to use a non-Visa card at checkout for a substantial purchase, only to remember that Costco doesn't accept American Express or Mastercard. This situation can be frustrating when trying to maximize spending for points.
For those who frequently shop and purchase gas at Costco, the Costco Anywhere Business card might be worth considering. It offers identical benefits without occupying one of your 5/24 spots. However, we still believe your funds would be better used toward a substantial welcome offer on any number of alternative cards.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| $0 |
US News review covering card benefits including no foreign transaction fees and travel protections.
Personal experience review explaining how the Costco Visa works as a workhorse card for gas, dining, and travel cash back.
Community reviews and ratings from over 1,000 Costco Anywhere Visa cardholders with detailed user experiences.
Official Citi page detailing cash back rewards, account protection, entertainment access, and travel benefits.
CNBC Select review detailing the tiered rewards program for commuters, foodies, and travelers.
Key facts including rewards details, Costco-only redemption, and membership requirements.
CompareCards overview with card details, rewards rates, and application information.
Credit Karma review covering cash back rates, travel benefits, and rewards redemption options.
Comprehensive review covering rewards rates, benefits, and how the card compares to alternatives like Citi Double Cash and Capital One Venture.
NerdWallet review covering rewards structure, redemption limitations, and membership requirements.
| Source | Verified | Citation |
|---|---|---|
| Citi | — | Citi |
| Citi | — | Citi |
| Costco Official | — | Costco Official |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Earn rates |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
