Costco Anywhere Visa® Card by Citi Guide
Accurate as of: March 14, 2026
The Costco Anywhere Visa® Card by Citi is a cash-back rewards credit card available to Costco members. This guide covers how to apply, requirements, benefits, and how to redeem your rewards.
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Requirements before you apply for a Costco Anywhere Visa® Card by Citi
Eligibility
- Costco Membership: Must have an active, paid Costco membership.
- Excellent Credit: Recommended credit score of 750 or higher.
- Other Information: Social Security Number, date of birth, address, income, and monthly mortgage/rent payments.
Costco Anywhere Visa® Card by Citi Online Application Process
Online Application Process
- Select the card: Choose either personal or business version.
- Click "Apply Now": Redirected to Citi’s secure application form.
- Fill out the form: Include all personal and financial details; optionally add authorized users.
- Submit the application: Instant decision possible. Hard credit inquiry applies.
Other Ways to Apply
- In-person: Visit the membership counter at a Costco warehouse.
- By phone: Call Citi at 1-800-259-3052 to apply over the phone.
After you apply for a Costco Anywhere Visa® Card by Citi
- Notification of credit limit if approved.
- Check application status online or via Citi if no instant decision.
- No annual fee on the card, but Costco membership fee applies.
Key Benefits of the Costco Anywhere Visa® Card by Citi
Cash-Back Rewards
- 5% on gas at Costco, 4% on other eligible gas and EV charging.
- 3% on restaurants and travel.
- 2% at Costco and Costco.com.
- 1% on all other purchases.
Travel Protections
- Worldwide car rental insurance.
- Travel accident insurance.
- Roadside assistance services.
Other Perks
- Doubles as membership card.
- Annual cash-back rewards issued as certificate redeemable at U.S. Costco warehouses.
- Citi Entertainment access for presale tickets and exclusive events.
- No annual fee on the card itself (Costco membership required).
Estimate Your Costco Cash Back!
Wondering how much you could earn annually with the Costco Anywhere Visa® Card by Citi? Try our Costco Cash-Back Calculator to see your potential rewards.
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
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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