VISAVisa Signature

Costco Anywhere Visa® Business

Annual Fee: $0
Highest rate (conditional): Up to 5% (Costco Gas)

Terms checked against the issuer on October 10, 2026

Apply on Citi's site

At a Glance

Annual Fee: $0
Foreign Transaction Fee: $0
Network: Visa Signature
Rewards Currency: Cash
Point Valuation: 1¢ (cash back)
Credit Required: Excellent

Earning Rates

5%
Costco Gas
5% cash back on gas at Costco (5% and 4% earn is on a combined $7,000 spend per year, 1% thereafter). Keyed costco_gas so it is not read as the rate for ordinary Costco purchases, which earn 2%.
Cap: $7,000/annual
4%
Gas Stations
4% on other eligible gas and EV charging; the 5% Costco gas and 4% earn share a combined $7,000 per year, then 1% thereafter.
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
Unlimited 3% on restaurants and eligible travel, including Costco travel.
3%
Travel
Unlimited 3% on restaurants and eligible travel, including Costco travel.
2%
Costco
Unlimited 2% on all other purchases from Costco and Costco.com.
1%
All Other

Benefits & Perks

Insurance & Protections

5 protections

Damage & Theft Purchase Protection
Damage & Theft Purchase Protection may cover you for repairs or reimbursement if purchases made with your Citi card are damaged or stolen within...
Roadside Assistance Dispatch Service
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.
Worldwide Travel Accident Insurance
Worldwide Travel Accident Insurance is included with this card. Coverage details are provided upon card membership.
Travel and Emergency Assistance
24/7 emergency travel arrangements and referrals before or during a trip. Referrals are free; you pay for services used.
Worldwide Car Rental Insurance
Coverage against theft or damage to a rental car when you pay with your Citi card and decline the rental company's collision insurance.

Dining Out

3% cash back at restaurants

$3 back on a $100 dinner

No annual fee

Explore 5,512 New York restaurants with this card

Stack 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.

How Rakuten Dining works

+$5

cash back, or ≈$5.50 as points

Third-Party Rankings & Ratings

Publication	Rating	Rank	Notes
PointsNav		#116 of 119	—

Editorial Review

Lenny PappanoPointsNavFeb 8, 2026

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.

Key Takeaways

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.

Why This Card Could Be Right For You

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.

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 utilize your spending for points and miles for travel, and this card won’t offer the same value as so many others

How The Citi Costco Business Credit Card Fits In The Cash in Cents Ecosystem

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.

Details & Terms

Application Rules

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
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 each employee cardholder needs their own.