Costco Anywhere Visa®: Elevated Cashback on Gas, Dining, Travel, and Costco Purchases
Earn up to 5% cashback on gas, 3% on dining and travel, 2% at Costco, and 1% on other purchases, with rewards tailored for Costco shoppers and no annual fee with membership.
The Bottom Line
3.2
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
Costco Anywhere Visa® is a strong choice if you’re a Costco member who spends a lot on gas, dining, travel, and Costco purchases. It offers high cashback in these everyday categories with no annual fee beyond your Costco membership. The card works well as a simple everyday option, especially for gas, dining, and travel spending. However, rewards are paid out once a year, which may not suit everyone. If you already shop at Costco regularly, this card can deliver solid value with minimal effort.
Costco Anywhere Visa®
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.47% - 26.74% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on gas at Costco and 4% on other gas and EV charging for the first $7,000 per year. Earn 3% cashback on restaurants and travel purchases, including Costco travel. Earn 2% cashback on all other Costco purchases, plus 1% on all other non-Costco purchases.
1% - 5% Cashback
Welcome Offer N/A
N/A
A Costco membership is required to apply.
Rewards
- 5% Cashback on Gas at Costco.
- 4% Cashback on Other Gas & EV charging.
- Limit on 5% and 4% Cashback: You will earn 5% and 4% cashback on up to $7,000 each year.
- 3% Cashback Categories:
- Restaurants
- Travel, including Costco travel.
- 2% Cashback on all other purchases at Costco.
- 1% Cashback on all other purchases.
Redemption Options
- Cashback will be provided as an annual credit card reward certificate once your February billing statement closes and is redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouses, including Puerto Rico. Certificates are redeemable through December 31 of each year.
Fees and APR
- Annual Fee: $0, with paid Costco membership.
- Regular APR: 18.74% - 26.74% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: None.
Travel Protections
- Worldwide Car Rental Insurance: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card.
- Travel Accident Insurance: Get automatic insurance for covered losses at no extra cost when you use your card to purchase your fare.
Travel & Emergency Assistance
- Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).
- Roadside Assistance: Dispatch service available; service fees apply.
Purchase Protections
- Purchase Protection: Covers new purchases for 120 days against damage or theft.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
- Authorized Users: Add authorized users at no cost and earn rewards on their purchases.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
Buy Now, Pay Later Options
- Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
- Free credit score access.
Terms and Conditions
- Click Apply Now to see the terms and conditions.
EarnSmart Rewards Strategy
- Discover it®: Earn 5% cashback on rotating quarterly categories (activation required), adding high-reward opportunities beyond gas, dining, travel and Costco purchases. 👉 Learn more about Discover it®.
- Active Cash®: Provides unlimited 2% cashback on all purchases, ensuring strong returns on spending outside Costco Anywhere Visa® bonus categories. 👉 Learn more about Active Cash®.