Hidden Costco Anywhere Visa® Benefits: Travel and Purchase Protections
November 13, 2025
While the Costco Anywhere Visa® Card by Citi is famous for its high cash back rates on gas, dining, and Costco purchases, the rewards don't stop there. As a Visa Signature product issued by Citi, the card comes loaded with several valuable, often overlooked, built-in benefits that provide protection for your travel and purchases.
Understanding these "hidden" perks can add significant value and security to your card, making it even more compelling for everyday use.
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Travel Benefits and Protections
The Costco Anywhere Visa stands out as a travel card because it charges no foreign transaction fees and includes several built-in insurance protections.Worldwide Car Rental Insurance
When you rent a car using your card, you can decline the rental company's expensive collision damage waiver (CDW) insurance. The Citi card provides secondary coverage for damage and theft of the rental vehicle.
Worldwide Travel Accident Insurance
When you purchase your entire common carrier travel ticket (plane, train, bus, ship) with your card, you are automatically covered for certain accidental death and dismemberment instances during your trip. This offers peace of mind when traveling.
Citi Entertainment Access
As a Citi cardmember, you gain access to purchase tickets to thousands of events, including concerts, sporting events, and dining experiences, often before they go on sale to the general public (presale tickets) or through exclusive access.
Purchase Protections
The card also helps safeguard the items you buy when you use it for payment.Damage and Theft Protection
If an item is damaged or stolen within 120 days of purchase (90 days for New York residents), Citi may repair it, replace it, or reimburse the purchase price.
Other Notable Perks
Digital Wallet CompatibilityFor convenience and security, the card can be added to Apple Pay, Google Pay, and Samsung Pay, allowing for fast, secure checkouts in stores and online.
Year-End Spending Summary
Citi provides a detailed annual summary of your spending across various categories. This tool is helpful for budgeting and tracking expenses.
How to Access These Benefits
These protections are standard features of the card, but they usually require you to contact the Benefits Administrator to file a claim.By leveraging these valuable protections, you add another layer of value to the already strong cash back features of the Costco Anywhere Visa® Card by Citi.
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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Experian Boost: A Comprehensive Guide to Boosting Your Free Credit Score
FICO® Credit Scores
FICO® Score Ranges:
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- 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.
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