How to apply for a Costco Anywhere Visa® Card by Citi
To apply for the Costco Anywhere Visa® Card by Citi, you must first be an active Costco member and generally need excellent credit. You can apply for the card in-person at a Costco warehouse, online, or over the phone.
Before you apply
Before you begin the application, it's a good idea to review the many Benefits of the Costco Anywhere Visa Card by Citi to ensure it's the right card for you.
- Obtain a Costco membership: The Costco Anywhere Visa is only available to Costco members. You can purchase a membership online at Costco.com, at your local warehouse, or by calling Costco's Member Service Center at 1-800-774-2678.
- Check your credit: Applicants generally need a credit score of 750 or higher to be approved. A hard inquiry will be performed when you apply, which can temporarily affect your credit score.
- Gather required information: For your application, you will need your Costco membership number, personal details (Social Security number, date of birth, address), and financial details (annual income and monthly mortgage or rent payment).
Ways to apply
- Online: Applying online is the quickest way to submit your application. Go to the Citi website for the Costco Anywhere Visa® Card by Citi or Costco.com, or click the "Apply Now" button below. You may receive an instant decision.
- In-person: Visit the membership counter at any Costco warehouse. A representative can help you fill out an application. If approved, you may be able to get a temporary card to use in-store immediately.
- By phone: Call Citi directly at 1-800-259-3052 to apply for the card over the phone with a customer service representative.
After you apply
- Instant decision: If you apply online, you may receive a decision within a minute. In some cases, it can take up to 10 business days for a response.
- Receiving your card: If approved, your new card should arrive in 7 to 14 business days.
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.
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!
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.
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