Costco Anywhere Apply Now: Application Guide

To apply for the Costco Anywhere Visa^® Card by Citi, start with the current Costco Anywhere application process, where Citi now gives you the opportunity to check for prequalification before submitting the formal application. The initial prequalification uses a soft credit inquiry and does not affect your credit score. If you decide to continue with the application after receiving a prequalified offer, Citi may perform a hard credit inquiry as part of the formal application process.

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How Do You Apply for the Costco Anywhere Visa?

The easiest way to start is online. Use the link below to go to the Costco Anywhere Visa^® Card by Citi page and click Apply Now. The current application flow gives you the opportunity to check whether you are prequalified before submitting the formal credit card application.

➤ Check for Costco Credit Card Prequalification

You do not have to immediately submit a formal application just because you click Apply Now. Citi first provides the opportunity to check for a prequalified offer using a soft credit inquiry.

Does Costco Anywhere Apply Now Check for Prequalification?

Yes. The current Costco Anywhere Visa application flow through Citi includes a prequalification step before the formal application is submitted.

This is useful if you want to check your potential eligibility before allowing Citi to perform the hard credit inquiry that may occur with a formal application. The initial prequalification uses a soft credit inquiry, so checking for an offer does not affect your credit score.

If Citi shows that you are prequalified, you can then decide whether you want to continue with the formal application.

Is Costco Anywhere Prequalification the Same as Approval?

No. Prequalification is an initial indication that you may qualify for the Costco Anywhere Visa. It is not a guarantee that Citi will approve your formal application.

If you continue and submit the formal application, Citi can review additional information before making the final credit decision. A hard credit inquiry may occur when you submit that application.

Does the Costco Anywhere Application Require a Costco Membership?

Yes. You must be a Costco member to apply for the Costco Anywhere Visa Card by Citi.

The current application process asks whether you are a Costco member. If you are not already a member, you will need to obtain a Costco membership before completing the credit card application.

Can You Check Costco Anywhere Prequalification Without Hurting Your Credit?

Yes. The initial prequalification check uses a soft credit inquiry and does not affect your credit score.

This gives you an opportunity to see whether Citi has a prequalified offer for you before deciding whether to submit the formal application. The important distinction is between the soft-pull prequalification and the formal application, which may result in a hard inquiry.

When Did Citi Add Prequalification to the Costco Application Process?

Citi began working to integrate soft-pull prequalification into its credit card application process in April 2026. The change involved integrating prequalification into the application flow so consumers could check for a potential offer before submitting the formal application.

The current Costco Anywhere application process now reflects this approach. This also explains why some older information about applying for the Costco credit card may not match the process you see when you click Apply Now today.

What Happens After You Check Costco Anywhere Prequalification?

If Citi determines that you are prequalified, you can review the offer and decide whether you want to continue with the formal application.

If you continue, Citi may perform a hard credit inquiry and will make the final approval decision based on its review of your application and credit information.

Being prequalified does not guarantee final approval. It simply allows you to check for a potential offer before submitting the formal application.

Costco Anywhere Apply Now: What You Need to Know

The current Costco Anywhere Visa application process gives you a chance to check prequalification before formally applying. The initial check uses a soft credit inquiry, while the formal application may result in a hard inquiry.

If you're ready to see whether Citi has a prequalified offer for you, you can start the process here:

➤ Check for Costco Credit Card Prequalification

If you want the more detailed explanation of how Costco credit card prequalification works, including the difference between prequalification and final approval, see our Costco credit card pre-approval and prequalification guide.