The Costco Anywhere Visa® Card by Citi: Updated Benefits, Drawbacks & How to Maximize Rewards
Updated: December 18, 2025
The Costco Anywhere Visa® Card by Citi remains one of the strongest cash-back credit cards for Costco members. With high rewards on gas, travel, dining, and Costco purchases, it’s a top pick for households that spend regularly in these categories.
If you're a frequent Costco shopper, traveler, or commuter, this updated review breaks down everything you need to know — including the newest card details, pros, cons, and strategies to maximize rewards.
Affiliate Disclosure: We may earn a commission when you apply through our links. Our reviews remain independent.
At a Glance: Key Features
- Annual Fee: $0 (Costco membership required: $60 or $120 Executive).
- Foreign Transaction Fees: None.
- Issuer: Citi.
- Network: Visa®.
- Recommended Credit Score: Excellent (typically 750+ FICO®).
- Variable APR: 18.74% - 26.74% 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.
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 apply:
- 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
Found this guide helpful? Bookmark it for future reference as you continue your financial journey!
Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
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.
Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
Security Notice: All Applications utilize Secure SSL Technology for secure transmissions.
*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.
Advertiser Disclosure: The card offers that appear on this site are from companies from which Gettingacreditcard.com may receive compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Gettingacreditcard.com does not include all card companies or all card offers available in the marketplace.
© 2006-2025 GettingACreditCard.com, All Rights Reserved.