Costco Anywhere Visa Card by Citi
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
- Highest rate (conditional)
- Up to 5% (Costco Gas)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Traditional
- Rewards Currency
- Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Excellent
Earning Rates
- 5%
Costco Gas
5% cash back on gas at Costco stations (combined $7K/year cap with other gas, then 1%). Keyed costco_gas, the registry's Costco Gas subtype, so it is not read as the rate for ordinary Costco purchases, which earn 2% (TASK-0324)
Cap: $7,000/annual
- 4%
Gas Stations
4% cash back on other eligible gas and EV charging (combined $7K/year cap with Costco gas, then 1%)
Cap: $7,000/annual
- 4%
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "On other eligible gas and EV charging" (TASK-0714).
Cap: $7,000/annual
- 3%
Dining
3% cash back at restaurants (including takeout, delivery)
- 3%
Travel
3% cash back on travel (flights, hotels, car rentals, travel agencies)
- 2%
Costco
2% cash back at Costco warehouse and Costco.com
- 1%
All Other
1% cash back on all other purchases
Earning Scenarios
5% cash back on gas at Costco
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
4% cash back on eligible gas and EV charging
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
3% cash back on restaurants and travel
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
2% cash back at Costco
Earn 2% on all purchases at Costco warehouses and Costco.com.
Spending $400/month at Costco earns $96/year in cash back
Benefits & Perks
Insurance & Protections
5 protectionsZero Liability on unauthorized charges
You won't be held responsible for unauthorized charges made in store, online, or via mobile device.
Worldwide car rental insurance
secondary
Coverage for theft or damage to rental vehicles when you decline the rental company's CDW and pay with your card
24/7 lost/stolen card assistance worldwide
Emergency card replacement and cash disbursement services available 24/7 worldwide for lost or stolen cards.
Free FICO® Score updated monthly
View your FICO® Score anytime on Citi Mobile App or online without impacting your credit score
24/7 travel and emergency assistance
24/7 assistance for emergency travel arrangements, medical and legal referrals, and multilingual support worldwide
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Third-Party Rankings & Ratings
6 sourcesCategory Rankings (1 category)
Editorial Review
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.
Key Takeaways
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.
Why This Card Could Be Right For You
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.
Read full review (2 more sections)
When The Usual Advice Doesn't Apply
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
How The Citi Costco Credit Card Fits In The Cash in Cents Ecosystem
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.
Pros and Cons
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
- +Strong overall cash back structure for everyday spending
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)
Who It's Best For
Best For
- Costco members maximizing warehouse and gas purchases
- Those who spend heavily on restaurants and travel
- Consumers seeking strong cash back without annual card fee
- Costco shoppers who already pay membership dues
Not Ideal For
- Non-Costco members (membership required for full benefits)
- Those seeking unlimited gas rewards (4% capped at $7K/year)
- Consumers prioritizing premium travel perks (no lounge access)
- Those with minimal restaurant/travel spending
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| 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). |
| Membership required | Only Costco members can apply; you need a current Costco membership in your name, and the card doubles as your membership card. |
Payment Terms
| Purchase APR | 18.99%–26.99% (Variable) |
| Cash Advance APR | 28.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Video Reviews
8 videosIs Costco's Credit Card Worth It? (Pros & Cons)
Costco Anywhere Visa Business Credit Card Review
Costco Citi Credit Card Benefits (watch before applying!)
Costco Visa Credit Card (2025 Review)
Costco Anywhere Visa Card Review 2025 | Worth It or Leave It?
Citi Custom Cash vs Costco Anywhere Visa Comparison 2026
Citi Double Cash vs Costco Anywhere Visa Comparison 2026
Third-Party Articles & Reviews
Costco Anywhere Visa® Card by Citi 2026 Review
US News review covering card benefits including no foreign transaction fees and travel protections.
Why cash back enthusiasts should consider the Costco Visa
Personal experience review explaining how the Costco Visa works as a workhorse card for gas, dining, and travel cash back.
Costco Credit Card Reviews: 1,000+ User Ratings
Community reviews and ratings from over 1,000 Costco Anywhere Visa cardholders with detailed user experiences.
Explore the Benefits of the Costco Anywhere Visa® Card by Citi
Official Citi page detailing cash back rewards, account protection, entertainment access, and travel benefits.
Costco Anywhere Visa Card By Citi Review 2026
CNBC Select review detailing the tiered rewards program for commuters, foodies, and travelers.
5 key things to know about the Costco Anywhere Visa Card
Key facts including rewards details, Costco-only redemption, and membership requirements.
Costco Anywhere Visa® Card by Citi
CompareCards overview with card details, rewards rates, and application information.
Costco Anywhere Visa Card by Citi Review: Big Savings for Shoppers
Credit Karma review covering cash back rates, travel benefits, and rewards redemption options.
Costco Anywhere Visa Card By Citi Review 2026
Comprehensive review covering rewards rates, benefits, and how the card compares to alternatives like Citi Double Cash and Capital One Venture.
Costco Visa Review: Bulked-Up Savings for Members
NerdWallet review covering rewards structure, redemption limitations, and membership requirements.
Card Design
Evidence Sources
| 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 | |
| Citi | Citi | |
| Citi | — | Citi |
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