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Costco Anywhere Visa® Card by Citi review

A superb cashback card for gas, dining and travel — plus solid rewards for Costco purchases.’s rating: 3.4 / 5


  • Get this card if you want great cash back on gas, dining, travel and Costco purchases.
  • Pick something else if you want an intro APR or signup bonus.
  • Apply with an excellent credit score of 740 or higher.
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Up to 4%

Cash back


Annual fee


Purchase APR (variable)


Recommended credit score


Annual fee$0
Annual fee conditionsNo annual fee for this credit card with your paid Costco Membership.
Welcome offerN/A
Rewards4% at eligible gas stations on up to $7,000 annually (then 1%), 3% at eligible restaurants and on travel, 2% at Costco snd and 1% on all other purchases
Purchase APR16.74% variable
Balance transfer APR16.74% variable
Minimum Credit Score740

Review by

Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker,, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.

Expert review

I’ve had Costco Anywhere Visa® Card by Citi for seven years now, and it’s one of the main cards I use. I recommend it to anyone who has excellent credit, especially if you shop a lot at Costco.

What makes this such a valuable card is the rewards aren’t focused just on Costco purchases. In fact, Costco isn’t even the highest rewards category offered by the card. While Costco purchases earn 2% cashback, travel and restaurant purchases earn 3%.

Also, you earn 4% on gas on up to $7,000 a year (then 1%), and that’s at any gas station, not just at Costco. So if you do your grocery shopping at Costco, this card offers you a high rewards rate on groceries at Costco, gas, dining out, and travel, which is an impressive selection of typical spending categories.

Best of 2021
Finder experts pick Costco Anywhere Visa® Card by Citi as a 2021 best product for credit cards.

How to apply for the Costco Anywhere Visa® Card by Citi

You may only apply for the Costco Anywhere Visa® Card by Citi if you’re at least 18 years old. Here’s how to apply:

  1. Go to the provider's site and select Apply now.
  2. On the application form, fill in your name, Social Security number, contact details and financial information.
  3. Agree to Citi’s terms and conditions, privacy notice and cardmember agreement.
  4. Review your information and click Submit.

How long will it take to get my Costco Anywhere Visa® Card by Citi?

Many customers have reported they’ve received immediate decisions on their applications. In some cases, you’ll need to wait a few business days while Citi manually reviews your application.

If you’re approved, look for your welcome materials and card in the mail within 7 to 10 business days.

You’ll likely need an excellent credit score to be approved

Citi is more likely to approve you if you apply with an excellent credit score of 740 or higher.

Costco Anywhere Visa® Card by Citi benefits

  • Annual fee: $0 with paid Costco membership. If you’re not a Costco member, you can purchase a membership online for $60.
  • Rewards: Great cash back on gas, travel, dining and Costco purchases. You’ll earn up to 4% cash back when you use your card. Receive your rewards in the form of an annual reward certificate after the close of your February billing statement. Anytime through December 31 of that year, you can redeem the certificate for cash or merchandise at US Costco stores.
  • The Costco Anywhere Visa® Card by Citi doubles as a Costco membership ID. Typically, shoppers need to show their Costco membership cards to enter Costco. As a cardholder, you can simply show your credit card for entry.
  • No foreign transaction fees. Take the Costco Anywhere Visa® Card by Citi on vacation and don’t worry about paying fees for foreign purchases.
  • Travel protection. You’ll receive travel services like accident insurance, car rental insurance, trip cancellation protection, travel assistance and emergency assistance.

Costco Anywhere Visa® Card by Citi drawbacks

  • Redeeming Costco Cash Rewards. You can’t redeem your rewards whenever you’d like. Instead, you’ll receive a coupon every year with your Costco Cash Rewards.
  • Penalty APR for late payments. Making a late or returned payment may result in a penalty APR being applied to your account. This APR may be as high as up to 29.99%, applies to all of your balances and may last indefinitely.
  • Balance transfer restrictions. If you’d like to initiate any balance transfers, you need to complete them within 2 months of your account opening.
  • Higher interest rate and fee for cash advances. Taking out cash advances comes with a 26.74% variable APR and a fee of $10 or 5% of the amount of each cash advance, whichever is greater.
  • No purchase protection. Citi recently removed the purchase protection perk from the Costco cards.

Here are the rewards you’ll earn with the Costco Anywhere Visa® Card by Citi

  • 4% cash back on gas. When you use your card to purchase eligible gas — including gas at Costco — you’ll receive 4% cash back. This rate applies to the first $7,000 you spend for the year, after which it changes to 1%.
  • 3% cash back on restaurants and travel. You’ll earn 3% cash back on eligible dining. This rate also applies to travel purchases, such as airfare, hotels, cruises and car rentals.
  • 2% cash back on purchases from Costco and Receive 2% cash back on purchases at Costco warehouses and at
  • 1% cash back on everything else. You’ll earn rewards, no matter what you spend on.

Citi card travel protection

How much cashback rewards can I earn with the Costco Anywhere Visa® Card by Citi?

Here’s the cash back you might earn if your family spends these amounts in different categories each year:

  • $3,000 on gas x 4% = $120
  • $5,000 on travel and restaurants x 3% = $150
  • $5,000 at Costco x 2% = $100
  • $7,000 on other purchases x 1% = $70

That would be $440 cash back for the year.

How much do I have to spend to make the annual fee worth it?

You’ll need a Costco membership to apply for the Costco Anywhere Visa® Card by Citi. If you don’t plan on ever going to Costco, that essentially means you’re paying a $60 annual fee for your credit card.

You can offset this fee by spending $1,500 on gas, which earns 4% cash back. You can also offset it by spending $2,000 on dining and travel, which earns 3% cash back.

Compare similar cashback credit cards

If this card isn’t right for you, compare other cashback cards out there. Consider which categories you spend the most in, the annual fee of the card and additional benefits it might offer.

1 - 3 of 27
Name Product Filter values Rewards Purchase APR Annual fee
Capital One Quicksilver Cash Rewards Credit Card
Earn unlimited 1.5% cash back on every purchase, every day and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
0% intro for the first 15 months (then 17.99% - 27.99% variable)
More than an unlimited 1.5% cash back card: you'll also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).
Capital One SavorOne Cash Rewards Credit Card
3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
0% intro for the first 15 months (then 17.99% to 27.99% variable)
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats.
Instacart Mastercard®
Instacart Mastercard®
5% cash back on Instacart, 5% on travel through the Chase Travel Center, 2% on dining, gas, and select streaming services and 1% on all other purchases
17.24% to 25.99% variable
Not just for Instacart, this card also offers competitive cash back in everyday categories like dining and gas.

Compare up to 4 providers

Costco Anywhere Visa® Card by Citi reviews and complaints

Some customers warn that Citi will close your account if you cancel your Costco membership.

Happy customers say the card offers great cash back. Unhappy users say Citi customer support is unhelpful, and Costco staff may not be able to help you with your credit card.

Even though Citi has been in business for more than 200 years, it was never accredited by the Better Business Bureau (BBB). As of October 2020, more than 200 customer complaints on the BBB site give the bank a score of 1 out of 5. Because Citi failed to resolve customer complaints on the site, BBB has rated the bank with the lowest F rating.

Citi is rated slightly higher at 1.8 out of 5 on Trustpilot where customers mostly complain about poor customer service.

Case study: Britny’s experience

profile pic

Britny Lawhorn
Assistant Publisher

I signed up for the Costco Anywhere Visa credit card a few years ago when I became a Costco member. Not only do I get great rewards on my Costco merchandise and gas purchases, but I receive rewards on other day-to-day and travel purchases as well. I use my Costco Anywhere Visa credit card in lieu of keeping up with my membership card, which is another small perk for me.

The rewards are great, such as 4% back on gas purchases (capped at $7,000, then decreases to 1% cash back), but they’re only issued once per year in February — and the rewards are forfeited if you cancel your Costco membership before then. If you stay a member long enough to get the rewards, they can be redeemed for merchandise purchases or cash.

I got the card. Now what?

  • Make payments on time.

    You can register for an online account on the Citi website. It will let you check your account balance, pay your bill electronically and set up automatic payments.

  • Avoid interest.

    The card comes with a 16.74% variable APR for purchases and balance transfers. That’s around the average credit card APR. Still, consider paying off your balances in full each month to avoid accruing interest.

  • Avoid fees.

    You’ll incur fees for balance transfers and cash advances. For each late or returned payment, you’ll pay a fee of $41.

  • Contact customer service.

    If you have questions about your card, you can log in to your Citi account and chat with a representative. You can also call the number on the back of your card to reach the Citi Cards general support line.

How do I redeem rewards from the Costco Anywhere Visa® Card by Citi?

After you receive your credit card reward certificate, simply use it when you’re paying for your Costco purchases. If you don’t use its entire balance, you’ll get the remaining amount in cash while you’re checking out.

Which credit cards does Costco accept?

Bottom line

If you’re in the market for a strong cashback card, the Costco Anywhere Visa® Card by Citi could be a great choice. It offers impressive rewards on gas, dining and travel, and you’ll earn solid cash back on Costco purchases.

If you don’t spend much in the card’s elevated-rewards categories, you may earn more rewards with another cashback card.

Frequently asked questions

If I receive a penalty APR, when will it expire?
Citi doesn’t specify a time when a penalty APR might expire. The rate may apply indefinitely, according to the bank’s discretion.

What is the reward period for this card?
January through December. Your annual reward certificate will be distributed after your February billing statement closes.

Do I have to use my reward certificate entirely when I use it at Costco?
No. If you don’t redeem your entire certificate, you’ll receive the remaining balance in cash at checkout.

If I cancel my Costco membership, can I still redeem my reward certificate?
No. You need an active Costco membership to redeem your certificate.

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

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Learn the details of our methodology and scoring.

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  1. Default Gravatar
    November 23, 2018

    Can I apply for this card online?

    • Default Gravatar
      November 24, 2018

      Hi ClarkJuan,

      Thank you for reaching out to us.

      Yes, you may apply for the Costco Anywhere Visa® Card online just head directly to Citi website then click on “Apply Now”. You may follow the next prompts and fill-in the form with the needed information. You must agree to Citi’s terms and conditions, privacy notice and cardmember agreement before clicking on the ‘Submit’ button.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


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