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.
4X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Cash
Credit Required
Excellent
Benefits & Perks
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #116 of 119 |
The Costco Anywhere Visa Business card rewards loyal shoppers with impressive cashback rates on gas, dining, travel, and Costco purchases, though it lacks signup bonuses and requires a membership.
If you really want to maximize your spending at the popular warehouse store, then at least get this, the Costco Anywhere Visa Business Card, so you don’t take up a 5/24 spot with the personal card (that has the same exact offers as this one). We still suggest skipping this one in favor of anything with a signup bonus.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Citi 1/95 | You'll be declined if you apply for a second Citi business card within 95 days |
| 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) |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Citi | — | Citi |
| Citi | Citi: Multiple card facts |
Combined Protection Value
$1,350
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 120 days of purchase (90 days for New York residents).
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
The Costco Anywhere Visa Business card does offer some impressive points multipliers for loyal Costco shoppers who also fill up their gas tanks at the store. This card offers 5% back on gas at Costco, plus 4% back on other eligible gas and EV charging stations (there is a combined cap of $7000 per year). Cardmembers can also receive 3% back on restaurants and eligible travel, including Costco Travel, plus 2% back on all other Costco purchases. You’ll then receive 1% back on all other purchases. For loyal Costco shoppers who spend a lot of money there, you could get a nice cash back reward in March, but the card doesn’t offer a signup bonus of any kind, and you can only use the rewards at Costco or redeem them for cash. There is no annual fee with this card, but you do have to have a Costco membership, which starts at $65 per year.
The exceptions where this card might not be good for you:
- You want to utilize your spending for points and miles for travel, and this card won’t offer the same value as so many others
There is a personal card that offers the exact same benefits as this card, but we suggest that you really don’t waste a 5/24 spot on a card that offers no welcome bonus and only spending multipliers as benefits, not to mention reward redemptions that only be used at Costco or as cash back. When considering what rewards credit card to get next (or first), we will almost always suggest looking for one with the highest SUB or most benefits that fit your travel lifestyle, and either of the Costco cards will be way down the list of available ones out there.
| Foreign Transaction Fee | $0 |
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 emergency travel arrangements and referrals before or during a trip. Referrals are free; you pay for services used.
Damage & Theft Purchase Protection may cover you for repairs or reimbursement if purchases made with your Citi card are damaged or stolen within...
Coverage against theft or damage to a rental car when you pay with your Citi card and decline the rental company's collision insurance.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Worldwide Travel Accident Insurance is included with this card. Coverage details are provided upon card membership.
If you have car trouble in the U.S., Puerto Rico, or the U.S. Virgin Islands, Citi will send help directly to your location.
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
