Does the Citi Costco Card Earn Points on Purchases?
Accurate as of: May 6, 2026
No. The Costco Anywhere Visa® Card by Citi does not earn points on purchases. It is a cash back rewards card, not a points-based credit card.
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Does the Citi Costco Card Use Points or Cash Back?
The Costco Anywhere Visa® Card by Citi does not use a points system. Instead, it earns cash back rewards based on your purchases.
This means you are not collecting points that can be transferred or redeemed in a points portal. Instead, rewards are accumulated as cash back.
Important Difference
Many credit cards use points systems, but the Costco Anywhere Visa® Card by Citi is structured differently.
- Points cards: earn redeemable points in a rewards program
- Citi Costco card: earns cash back rewards instead of points
Where to Learn More
For a full breakdown of how the rewards system works, redemption timing, and additional card details, see the main guide below:
➤ Learn more about the Costco Anywhere Visa® Card by Citi rewards and benefits
Summary
- No, the Citi Costco card does not earn points
- It earns cash back rewards instead
- Rewards are not part of a transferable points system
- See the full guide for complete details
In short, the Costco Anywhere Visa® Card by Citi is a cash back credit card, not a points-based rewards card.
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 Score Facts
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