Citi
Costco Anywhere Visa® Card by Citi
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchase Rate: 18.74% – 26.74% variable APR based on your creditworthiness. Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: 18.74% - 26.74% variable APR, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 18.74% – 26.74%, based on creditworthiness. The variable APR for cash advances is 28.74%. Variable penalty APR is up to 29.99% and applies if you pay late or your payment is returned. |
| Other Fees | Minimum interest charge $0.50. Fee for foreign purchases — None. Cash advance fee either $10 or 5% of the amount of each cash advance whichever is greater. Balance transfer fee either $5 or 5% of the amount of each transfer whichever is greater. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Visa |
About this card
The Costco Anywhere Visa Card by Citi is a solid rewards card, primarily for existing Costco members who spend a significant amount on gas, dining, and travel. The card's strengths lie in its high cash-back rates for these categories, along with no annual fee (with a Costco membership) and no foreign transaction fees. However, the restrictive reward redemption method (annual certificate redeemable only at Costco), the high APR range, and Citi's reported customer service issues detract from its overall appeal. While it excels for its target audience, it's not a universally outstanding card due to these limitations. Weighing the rewards, fees, reputation and flexibility leads to an overall rating of 3.5.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- No foreign transaction fees
Things to consider
- High regular APR
- High balance transfer fee
- Limited rewards categories
What this card offers
Rewards
- Earn 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging with the Costco Anywhere Visa®.
- The 5% and 4% earn is on a combined $7,000 spend per year, and then 1% thereafter.
- 3% on restaurants and eligible travel, including Costco Travel
- 2% on all other purchases from Costco and Costco.com.
- 1% on all other purchases.
Other features
- Damage & theft purchase protection
- No foreign transaction fees
- Travel and emergency assistance
- Worldwide car rental insurance
- Travel accident insurance
- Roadside assistance dispatch service
- Use the Costco Anywhere Visa card as your Costco membership ID.
- Your card doubles as your Costco membership card.
- Tap Your Card with Contactless Pay
- Digital Wallets
- Citi® Quick Lock
- Fraud Early Warning
- FICO® Score
- Authorized Users
- Citi Entertainment®
- Global Acceptance
- Cash back will be provided as an annual credit card reward certificate in February billing statements, redeemable for cash or merchandise at U.S. Costco warehouses.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.