Benefits of Costco Anywhere Visa® Card by Citi
The Costco Anywhere Visa® Card by Citi offers strong cash-back rewards, particularly for gas, electric vehicle (EV) charging, travel, and dining. It provides additional travel protections and has no annual or foreign transaction fees, though a Costco membership is required to get the card.
Cash-back rewards
The card's main benefit is its tiered cash-back structure, with higher percentages for specific spending categories:
- Earn 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 combined spend per year, then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases, including Costco Travel.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
Travel benefits
For travelers, the card includes several features beyond the cash-back rewards:
- No foreign transaction fees on purchases made abroad.
- Worldwide car rental insurance covering up to $50,000 for theft or collision when you pay for the rental with your card.
- Travel accident insurance covering death or dismemberment.
- Travel and emergency assistance and roadside assistance dispatch services are also available.
Other perks and considerations
- Doubles as a membership card: Your credit card functions as your Costco membership ID, so you only need to carry one card.
- No annual fee (with membership): The credit card itself has no annual fee, but you must maintain an active Costco membership.
- Annual cash-back redemption: Rewards come as a certificate once a year with your February billing statement, redeemable for merchandise or cash at U.S. Costco warehouses.
- Citi Entertainment: Cardholders get access to presale tickets and exclusive event experiences.
Once you've decided the benefits are right for you, learn How to Apply for the Costco Anywhere Visa Card by Citi to start earning rewards on your purchases.
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.
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