Costco Anywhere Visa® Business Card by Citi review

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Recommended Credit Score

Excellent (740 - 850)

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Annual Fee:
Purchase Intro APR:
Regular APR:
15.24% (Variable)
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Costco Anywhere Visa® Business Card by Citi: Details and benefits

Most rewards cards exclude the big warehouse clubs, but the Costco Anywhere Visa Business Card by Citi pays 2 percent cash back for every $1 spent at the shopping behemoth. You also can earn solid rewards on everyday spending in other places like 4 percent back on eligible gas (on up to $7,000 in spending a year, then 1 percent), 3 percent back on restaurants and eligible travel purchases worldwide and 1 percent on all other spending.

The card has no annual fee, but you have to be a Costco member to apply — it’ll cost you $60 annually to join.


  • No annual fee with your paid Costco membership.
  • No foreign transaction fees


  • You have to be a Costco member to be eligible, which starts at $60 annually
  • You can only redeem your rewards once a year when a coupon is mailed in February and only in-person at a Costco for either merchandise or cash back
  • No welcome bonus
  • There’s no sign-up bonus.

Is the Costco Anywhere Visa Business worth it for you?

Businesses who spend heavily on gas and bulk purchases at Costco are most likely to benefit from the rewards structure of this card.

If you already have a Costco membership, it’s worth considering adding this card to your wallet for cash-back rewards you’ll earn at its warehouse stores. If your business doesn’t have a Costco membership but you know you’ll spend at least up to $7,000 a year on gas, it may be worth it to you to join just to receive the gas rewards offered by the card.

Get the most value from the Costco Anywhere Visa Business

This card comes with all Citibank card benefits, which include travel and emergency assistance, trip cancellation and interruption protection, lost and delayed baggage protection, roadside assistance and worldwide travel accident assistance.

Citi business cardholders also get price protections with Citi Price Rewind, extended warranty protection and damage and theft purchase protections.

How much are the Costco Anywhere Visa Business rewards worth?

If you max out the gas spending cap of $7,000, you’ll earn around $280 worth of rewards just for fueling up.

How to redeem rewards

Your cash back rewards will be sent once a year as an annual credit card reward certificate after the closing of your February billing statement. This certificate is redeemable for cash or other merchandise at Costcos across the United States.