Citi
Costco Anywhere Visa® Card by Citi
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | None |
| Rewards Rate | 1%-5% Cash Back |
| Regular APR | Variable APR for purchases, balance transfers, and Citi Flex Plans subject to an APR: 18.74% - 26.74% variable APR, based on your 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 | 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. Minimum interest charge $0.50. No Authorized User fee |
| 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
- Generous rewards rate on select categories
- No foreign transaction fees
Things to consider
- High regular APR
- Limited rewards categories
- Balance transfer fee
- Must have a Costco membership
What this card offers
Rewards
- 5% On gas at Costco
- 4% On other eligible gas and EV charging
- 5% and 4% earn is on a combined $7,000 spend per year, 1% thereafter
- 3% On restaurants and eligible travel, including Costco Travel
- 2% On all other Costco and Costco.com purchases
- 1% On all other purchases
Other features
- Earn cash back rewards
- No limit on cash back rewards
- Cash back earned from your Costco Anywhere Visa® Card by Citi will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses, including Puerto Rico.
- Citi Entertainment®
- Free access to your FICO® Score
- Citi® Flex Pay with Costco
- No foreign transaction fees
- Global acceptance
- Damage & Theft Purchase Protection
- Travel & emergency assistance
- Worldwide Car Rental Insurance
- Roadside assistance dispatch service
- Citi® Quick Lock
- 24-hour fraud protection
- Mastercard® ID Theft Protection
- Chip-based card technology
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- Add Authorized Users
- 24/7 customer service
- Citi Mobile® App
- Contactless pay
- Digital Wallets
- Access FICO® Score
Additional Notes
An active Costco membership is required to apply. 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 cards are offered.