How Do I Get 4% Cash Back From the Costco Anywhere Visa® Card by Citi?
To get 4% cash back with the Costco Anywhere Visa® Card by Citi, use the card for eligible gas and electric vehicle (EV) charging purchases outside of Costco. The 4% rate applies to the first $7,000 in combined eligible gas and EV charging purchases each year. If you buy gas at Costco, the rate is even higher: 5% cash back.
Affiliate Disclosure: We are a professional review site that receives compensation from the companies whose products we review and recommend. If you click on a link, when an application is approved, or when an account is opened, we may earn a commission. We are independently owned, and the opinions expressed here are our own.
Where Should I Use the Card to Get 4%?
The easiest way to earn the 4% rate is to use the Costco Anywhere Visa® Card by Citi at an eligible gas station outside Costco or at an eligible EV charging location.
You do not have to purchase gas at Costco to earn a strong gas reward. Costco purchases receive 5%, while other eligible gas purchases can receive 4%.
Why Didn't I Get 4% at My Gas Station?
If you used the card at a gas station and received only 1%, the location may not have qualified for the 4% category. Citi excludes certain purchases at superstores, supermarkets, convenience stores and warehouse clubs other than Costco.
That means the name of the business or the fact that it sells gasoline does not necessarily determine the reward you receive. The way the merchant transaction is categorized can matter.
If this has happened to you, see our more detailed explanation of why you don't get 4% cash back at all gas stations with the Costco Anywhere Visa® Card by Citi.
Can I Get More Than 4% on Gas?
Yes. If you purchase eligible gasoline at Costco, the Costco Anywhere Visa® Card by Citi earns 5% cash back instead of 4%.
So if Costco gas is convenient for you, that is the best gas-rewards rate offered by the card.
Can I Earn 4% on EV Charging?
Yes. Eligible EV charging purchases are also included in the card's 4% gas and EV charging category.
How Long Does the 4% Rate Last?
The 4% rate applies to the first $7,000 in combined eligible gas and EV charging purchases each year. After that amount is reached, additional purchases in the category earn 1% cash back.
For a broader explanation of the card's rewards and how the different cash back categories work, see our Costco Anywhere Visa® Card by Citi benefits and features guide.
Interested in the Costco Anywhere Visa® Card by Citi?
➤ Check for Costco Credit Card Prequalification
If you want to see how the current soft-pull process works before submitting a formal application, read our guide to Costco Anywhere Visa® Card by Citi prequalification.
Found this guide helpful? Save this for later as you continue your financial journey!
Compare a variety of credit card offers.
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.
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.