Credit Cards » Credit Card Reviews » Costco Anywhere Visa Credit Card: 2024 Review
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Costco Anywhere Visa Credit Card: 2024 Review

The Costco Anywhere Visa Card by Citi is a great store card, especially for Costco members. Here are the main things you should know:
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: March 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: March 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Costco Anywhere Visa® Card by Citi

Citi-costco-anywhere-visa-credit-card review

Rewards Plan

1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases

Sign up Bonus

None

Credit Rating

3.8
3.8/5

0% Intro

N/A

Annual Fee

$0 ($60 Costco membership fee required)

APR

20.49% (Variable)

Costco Anywhere Visa® Card by Citi

Citi-costco-anywhere-visa-credit-card review

Rewards Plan

1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases

Sign up Bonus

None

Our Rating

3.8
3.8/5

PROS

CONS

APR

20.49% (Variable)

Annual Fee

$0 ($60 Costco membership fee required)

0% Intro

N/A

Credit Requirements

Excellent

The Costco Anywhere Visa® Card by Citi stands out as one of the most lucrative options for gas rewards on the market, as it offers 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases.

However, accessibility may be a drawback, as the card is exclusively available to Costco shoppers with good - excellent credit scores. In comparison to other shopping cards, the Costco Anywhere Visa® Card by Citi competes well in gas rewards but falls short in introductory offers and additional perks.

Cash back redemption is limited to once per year, with rewards issued as a "credit card reward certificate" valid for purchases, cash, or a combination, and the requirement of a Costco membership (at least $60 annually) further limits eligibility.

How long does card approval take?

Since Citi does not facilitate pre approval for the Costco Anywhere, the approval process is a little longer. You may be waiting up to 14 days to receive an approval decision by email or standard mail.

What’s the initial credit limit ?

The initial credit limit for the Costco Anywhere visa is $500, but some cardholders have been offered an initial limit as high as $10,000.

What are the top reasons not to get it?

The top reason to not get the Costco Anywhere card is if you can get better rewards on a different tier card. There are some cards out there that offer 5% on one or two categories, which provides greater flexibility.

Citi Costco credit card dashboard
Citi Costco credit card dashboard (Screenshot from Citi app)

In This Review..

Pros & Cons

Now, let's explore the pros and cons of the Costco Anywhere Visa card to determine if it's a good fit for your wallet.

Pros
Cons
High Gas And Travel Cash Back
Annual Cash Back Redemption Limit
No Annual Fee
There are Better Cashback Cards
Access to Citi Entertainment
No Sign-Up Bonus or 0% APR Introductory Rate
No Foreign Transaction Fee
Limited Costco-Specific Benefits

The Costco Anywhere Visa Card provides 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases.

Citi Costco rewards model
Citi Costco rewards model (Screenshot from Citi app)

Costco Anywhere Visa Card by Citi does not have an annual fee as long as you are a Costco member.

Costco membership starts at $60 a year. You can start earning cash back immediately. 

The Citi Entertainment platform provides access to once in a lifetime experiences. You can get special ticket purchase access to events including concerts, dining experiences, sporting events and more.

The Costco Anywhere Visa Card does not have a foreign transaction fee. 

This is unusual for a non-travel rewards card. This is a great perk because you can earn cash back on your travels.

Costco Anywhere Visa Card by Citi cash back can only be redeemed or spent at Costco. This redemption also only happens once a year in February. With other cards you can redeem rewards almost anytime.

There are other cashback cards in the market that offer higher cashback rewards. Some have rotating categories, but depending on your spending habits and with a little planning, you can earn more cash back on your purchases. 

If you are a big spender and don’t mind an annual fee, there are other cards with higher cashback rewards, but not my much.

The Costco Anywhere Visa Card by Citi does not have a sign-up bonus or any introductory rate like many cards on the market.

While the card offers general benefits like purchase protection, it lacks significant Costco-specific perks that could enhance its appeal to Costco shoppers.

Simulation: How Much Rewards You Can Earn?

If you're a tend to shop online or find yourself at the retail store on a weekly basis, there is no doubt you can leverage your Costco card to get a bunch rewards, in addition to another benefits it offers. But how much exactly can you earn?

In order to understand that, we need to calculate the miles based on the card terms and spend per each category. However, everyone has its own habits, so it's important to adjust the according to your specific category breakdown.

Citi-costco-anywhere-visa-credit-card review

Spend Per Category
Costco Anywhere Visa Card
$12,000 – U.S Supermarkets
$240
$5,000 – Restaurants
$150
$4,000 – Hotels
$120
$4,000 – Airline
$120
$5,000 – Gas
$200
Estimated Annual Value
$830

* Assuming all supermarkets/gas purchases made via Costco

** Assuming 50% of supermarkets purchases are online

Citi Costco annual rewards
Citi Costco annual rewards (Screenshot from Citi app)

Unfortunately, Redeeming Rewards Is Challenging

The Costco Anywhere card, as previously mentioned, has limited redemption options. You cannot use your rewards at any time during the year. Citi will instead accumulate your rewards and send you a certificate in February.

You can then take this certificate to Costco and use it as store credit or cash. Your certificate will expire if you do not complete this by the end of the year.

To redeem your rewards, you must also have an active Costco membership. Some Costco locations may offer electronic reward transfer, but this is not guaranteed.

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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Best Ways to Maximize Miles Rewards

Here are some pointers to help you make the most of your Costco Anywhere Visa card:

  • Set an alert to redeem your certificate: You'll receive your rewards certificate with your February statement, so make sure to set an alert on your phone to redeem it as soon as possible at your local Costco. It's all too easy to file the certificate away and forget about it, but if you don't cash it in by December 31, you'll forfeit your rewards.
  • Check out Citi Entertainment: Before purchasing tickets to any event, make sure to look into the Citi Entertainment platform. This platform is available to all Citi credit card holders, and you can use it to gain access to presales and other benefits. You'll have access to the same features as other Citi cards.
  • Make the most of your gas purchases: Whether you buy gas at Costco or elsewhere, this is the highest reward tier. So, make sure to use your card for all of your gas purchases, up to the $7,000 annual limit. This averages around $580 per month, so make sure everyone in your household uses this card to pay for gas until you reach the maximum.
Citi Costco credit card spend summary
Citi Costco credit card spend summary (Screenshot from Citi app)

How To Apply For Costco Credit Card?

Visit the Citi Costo Anywhere Visa Credit Card home page and then click “Apply Now”. 

A page comes up; just fill in your personal information correctly. 

Costco apply card

Next, fill in your security number, date of birth and other information.

ostco Anywhere Visa Credit Card_Financial information when apply

 Also fill in your financial information, and then take your time to read through the terms and conditions. 

After this, tick to agree and then click on “Agree and Submit.”

How It Compared To Other Store Credit Cards?

The Costco Anywhere Visa® Card by Citi distinguishes itself among other store credit cards through its unique rewards structure, notably excelling in gas rewards and travel.

While the Costco Anywhere Visa® Card provides solid rewards for travel and dining, it lacks the introductory bonus that many other store cards, such as the Target RedCard or the Amazon Prime Rewards Visa Signature Card, often offer.

The card's requirement of a Costco membership for eligibility is a unique aspect that may limit its accessibility compared to other store cards like the Walmart Capital One Rewards Card, Macy's Amex card or the Sam's club credit card, which is available to a broader audience without the necessity of a membership.

Despite its strengths, the Costco Anywhere Visa® Card is criticized for its annual cash back redemption limit and the fact that rewards can only be redeemed in a physical Costco store. In contrast, cards like the Walmart Capital One Rewards Card or Prime Visa card allow for more flexible redemption options, including online redemption.

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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Is the Costco Anywhere Visa Card Right for You?

The Costco Anywhere Visa Card by Citi is a great card for Costco members. It has very competitive cashback rewards and benefits. Those that are big Costco shoppers will benefit the most from this card. This card is also great for those who do a lot of traveling.

 The high cashback on travel rewards is better than most travel reward credit cards on the market. The biggest drawback to the Costco Anywhere Visa Card by Citi is you have to wait a year for your rewards. Those rewards also have to be spent at Costco. 

If you are not a Costco member, you would want to pass on this card. There are better cash back cards but you have to jump through hoops to get the rewards. The Costco Anywhere Visa Card by Citi rewards are clear, they do not change, and are very competitive in each of the cashback categories.

Compare The Alternatives

There are other credit cards that do offer comparable cash back rewards – we’ve summarized the most popular cards which can use as an alternative to the Costco Anywhere Visa Card:

Citi-costco-anywhere-visa-credit-card review

best buy credit card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Best Buy Visa Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1-5% 5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
10% first day 10% back in rewards on your first day of purchase
$50 $50 statement credit when you open a new account and make $50 in Sam's Club purchases within 30 days
Foreign Transaction Fee
$0
N/A
N/A
Purchase APR
20.49% (Variable)
29.24% Variable
19.90% or 27.90% Variable

FAQ

The only rewards limit on the Costco Anywhere is in the top tier. You’re limited to up to $7,000 on your gas purchases per year.

The Costco Anywhere card requires excellent credit, which means that you will need to have a low income to debt ratio to qualify.

Citi does not support pre approval for the Costco Anywhere card. You’ll need to complete a full application and this will involve a hard credit pull.

Both these cards operate on cash back percentages, so you don’t need to worry about conversion rates and confusing redemption offers. This means that you’ll earn a dollar amount as a percentage of your purchases.

Compare Costco Anywhere Visa Card by Citi

Both can be a perfect choice if you're looking for a store card. What are the main things you should know before applying, and how much can you save? Here's our analysis.

Costco Anywhere Visa vs Capital One Walmart Rewards Card: Which Card Is Best?

The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?

Costco Anywhere Visa Card by Citi vs Apple Card: Which Card Is Best?

Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.

My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?

The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.

Amazon Prime Visa vs Costco Anywhere Visa Card: Comparison

In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.

Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

BJ's One+ Mastercard our winner when it comes to cashback, but Costco card offers flexibility and many categories with higher cashback ratio.

BJ's One+ Mastercard vs Costco Anywhere Visa Card: How They Compare?

If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.

Target Red Card vs. Costco Anywhere Visa Card: How They Compare?

Review Online Shopping Credit Cards

Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Best Cards Per Category
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.