The Costco Anywhere Visa® Card by Citi: Updated Benefits, Drawbacks & How to Maximize Rewards
Updated: September 22, 2026
The Costco Anywhere Visa® Card by Citi offers 5% cash back on gas purchased at Costco, 4% on other eligible gas and EV charging purchases up to the annual limit, 3% on eligible travel and dining, 2% on Costco purchases, and 1% on all other purchases. The card has no annual fee, although a Costco membership is required, and its rewards are issued annually as a certificate that can be redeemed at Costco or through direct deposit. With no foreign transaction fees and additional benefits for Costco members, the card can be particularly valuable for people who regularly shop at Costco, spend heavily on gas, dine out, or travel.
This updated review covers the card's rewards, benefits, drawbacks, approval considerations, and ways to maximize what you can earn with the Costco Anywhere Visa® Card by Citi.
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At a Glance: Key Features
- Annual Fee: $0 (Costco membership required: $60 or $120 Executive).
- Foreign Transaction Fees: None.
- Issuer: Citi.
- Network: Visa®.
- Excellent Credit Recommended
Most approvals go to 750+ FICO® applicants. While some applicants with lower scores may still be considered, approval is generally limited to strong credit profiles with established history.
If you're unsure where you stand, see our detailed breakdown of Costco Anywhere Visa® Card by Citi approval odds to understand your realistic chances before applying.
If you want to check your eligibility before submitting a formal application, see our guide to Costco credit card pre-approval and prequalification to learn how Citi's current prequalification process works. - Variable APR: 18.99% - 26.99% based on creditworthiness.
- Rates & Fees
Top Earning Categories
- 5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging up to $7,000 per year, then 1%.
- 3% cash back on dining and eligible travel (including Costco Travel).
- 2% cash back on Costco and Costco.com purchases.
- 1% cash back on all other 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.
Important: Gas rewards depend on merchant category codes (MCCs), not the brand of gas station.
The Pros: Why Apply?
1. High Rewards on Gas & Travel
Perfect for commuters and travelers.
2. No Annual Fee Beyond Costco Membership
If you’re already a member, the credit card itself is free.
3. No Foreign Transaction Fees
Rare for a no-annual-fee card.
4. Strong Additional Benefits
Includes rental car insurance and Citi Entertainment access. See details in our guide to Hidden Benefits.
The Cons: What to Watch Out For
1. You Must Be a Costco Member
Membership is required to apply.
2. Rewards Redeem Only Once Per Year
Rewards come as an annual certificate redeemable at Costco. Full redemption guide:
How to Redeem Your Rewards Certificate
3. Excellent Credit Recommended
Most approvals go to 750+ FICO® applicants.
4. No 0% Intro APR
Not ideal if you plan to carry a balance.
Maximizing Your Rewards: Pro Strategy
Combine the card with a Costco Executive Membership (2% reward back on most Costco purchases). This stacks with your credit card’s 2%, giving you a total of 4% back on eligible Costco purchases.
Gas and food court purchases don’t earn the Executive 2%, but still earn the card’s gas/travel rates. More details here: How to Maximize Savings.
Ready to Apply?
If you shop at Costco frequently, travel regularly, and have excellent credit, the Costco Anywhere Visa® Card by Citi delivers strong year-round rewards.
You can Pre-Qualify:
- Online: Official Citi Application
- In-Person: At any Costco membership desk
- By Phone: 1-800-259-3052
Apply today and start earning cash back on every Costco run, meal out, and road trip.
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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