Apply Costco Anywhere Visa® Card by Citi
Accurate as of: November 17, 2025
To apply for the Costco Anywhere Visa® Card by Citi, you can complete the application online. There are two versions of the card: one for personal use and one for business use.
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Requirements before you apply for a Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi Online application process
1. Select the card: Choose the correct card for your needs: the Costco Anywhere Visa® Card by Citi for personal use or the Costco Anywhere Visa® Business Card by Citi for business use.2. Click "Apply Now": You will be directed to a secure online application form hosted by Citi.
3. Fill out the form: Complete the application with your required personal and financial information. You can also add authorized users during this step.
4. Submit the application: A decision is often returned in under a minute. The application process involves a hard credit inquiry, which can cause a small, temporary dip in your credit score.
After you apply for a Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
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FICO® Credit Scores
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
What is a Credit Score?
A credit score is a three-digit number, typically ranging from 300 to 850, that predicts your creditworthiness—how likely you are to repay borrowed money on time. Lenders use this score to assess the risk of lending to you and to determine the interest rates and terms of any credit you might receive.
Why is a Credit Score Important?
A credit score is important because it acts as your financial reputation. Lenders, landlords, insurers, and employers use this single number to quickly judge how reliable you are with money. A higher score helps you qualify for loans and credit cards, often securing lower interest rates that can save you significant money. Conversely, a poor credit score can lead to application denials or much higher costs for borrowing, making it a key factor in your overall financial opportunities.
FICO® Credit Score Facts
- Three-Digit Number: Like other credit scores, FICO® Scores are a three-digit number that summarizes a consumer's credit risk.
- Range: Most standard FICO® Scores range from 300 to 850. Higher scores indicate lower credit risk.
- Data Source: FICO® Scores are calculated using data from your credit reports maintained by the three major credit bureaus: Experian, Equifax, and TransUnion. Your score may vary slightly depending on which bureau's data is used.
- Industry Standard: Lenders rely on FICO® Scores for mortgages, auto loans, and credit cards because they provide a consistent, statistically sound assessment of the likelihood that a borrower will repay their debt.
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