Costco Anywhere Visa® Card by Citi

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Recommended Credit Score

Excellent (740 - 850)

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Annual Fee:
Purchase Intro APR:
Regular APR:
15.24% (Variable)
Terms and Restrictions Apply

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Costco Anywhere Visa® Card by Citi: Details and benefits

If you spend a ton on gas, or at Costco, and you don’t mind waiting to get your once-a-year disbursement, the Costco Anywhere Visa Card by Citi offers one of the industry’s highest payouts at the pump and is the only card offering year-round rewards for shopping at Costco.

Most rewards cards exclude the big warehouse clubs, but the Citi Costco Anywhere Visa pays 2 percent cash back for every $1 spent at the shopping behemoth. You also can earn big 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 and 1 percent on all other spending.

The card has no annual fee, but you have to be a Costco member to apply, which will cost you $60 annually to join. If you max out the gas spending cap of $7,000, you’ll earn $280 back just for fueling up. And you’ll still earn 3 percent dining out and on travel, plus 2 percent in Costco and 1 percent everywhere else.

The standard APR is a variable 15.24 percent on purchases and balance transfers. If you miss a payment or pay late, a penalty variable APR of up to 29.99 percent may apply indefinitely, plus you may incur a late fee of up to $40. There are no foreign transaction fees.


  • No annual fee with your paid Costco membership.
  • The rewards rate is higher in some categories, like gas, than on many other cards.
  • There’s 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.
  • If you don’t spend much on gas, or at Costco, you may be better off with another card.

Is it worth it for you?

Typical suburban households who spend heavily on gas and bulk purchases from 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 you’re not a Costco member, 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 get this card.

This otherwise excellent credit card loses points because the Costco Anywhere card comes with no sign-up bonus. That’s something consumers have come to expect from a quality rewards credit card.

Get the most value from Costco Anywhere Visa® Card by Citi

Maximize your value with this card by taking full advantage of 4 percent cash back on gas purchases up to the $7,000 annual maximum as well as your spending in the other categories, especially at Costco stores.

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

Citi cardholders also get extended warranty protection and damage and theft purchase protections.

How to redeem rewards

You’ll need to be patient in order to earn your rewards with this card, as you can only redeem them once a year in February when Costco mails a redeemable certificate. You’ll need to bring that certificate to Costco to redeem for merchandise or cash at checkout.