4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
Advertiser disclosure: we are paid when you apply through some links on this page. We're paid when you apply via some links. Details
Citi
Costco Anywhere Visa
Citi · rewards
Costco Anywhere Visa Card by Citi
4.2 / 5
Cash back · Personal card
The 5% gas rate is one of the best available anywhere, but you're locked into paying for a Costco membership just to hold the card, and the cash back arrives once a year as a certificate instead of monthly statement credits.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 18.74% to 26.74%
- No intro APR
- FX fee
- None
Editorial
Our take
The 5% gas rate is one of the best available anywhere, but you're locked into paying for a Costco membership just to hold the card, and the cash back arrives once a year as a certificate instead of monthly statement credits.
Verdict
Pros & cons
Pros
- 5% cash back on Costco gas, 4% on other gas/EV, up to $7,000/yr combined
- No annual fee charged by Citi
- 3% on restaurants and eligible travel
- No foreign transaction fees
Cons
- Requires an active paid Costco membership to apply or keep the card
- No welcome bonus
- Cash back pays out once a year as a certificate, not monthly
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Gas & EV charging at Costco | 5% | Gas and EV charging at Costco. Shares a combined $7,000/yr cap with other gas/EV, then 1%.·cap $7,000 |
| Gas & EV charging | 4% | Gas and EV charging outside Costco. Shares the same $7,000/yr combined cap, then 1%.·cap $7,000 |
| Dining & travel | 3% | Restaurants and eligible travel purchases |
| Costco & Costco.com | 2% | Costco and Costco.com purchases |
| All other purchases | 1% |
Benefits
Key benefits
Costco Membership Required
You must hold an active paid Costco membership to apply for and keep this card.
5% Cash Back on Gas
Earn 5% back on gas and EV charging at Costco, 4% elsewhere, on a combined $7,000 in annual spend.
No Annual Fee From Citi
Citi charges no separate annual fee for the card itself, though you still pay for your Costco membership.
Annual Cash Back Certificate
Rewards are issued once a year as a certificate redeemable at Costco warehouses, not as ongoing statement credits.
No Foreign Transaction Fees
Use the card internationally with no foreign transaction fee.
Fit
Who this is best for
- Costco members who fill up at Costco gas stations
- Households already paying for a Costco membership
- Drivers who want strong cash back with no separate card fee
FAQ
Frequently asked questions
What is the Costco Anywhere Visa welcome bonus?
This card does not offer a welcome bonus.
Does the Costco Anywhere Visa charge an annual fee?
No. The Costco Anywhere Visa has a $0 annual fee.
Does the Costco Anywhere Visa have a foreign transaction fee?
No. The Costco Anywhere Visa charges no foreign transaction fee, so it works well for international purchases.
What APR does the Costco Anywhere Visa charge?
The purchase APR is 18.74% to 26.74% variable.
Who is the Costco Anywhere Visa best for?
Costco members who fill up at Costco gas stations. Households already paying for a Costco membership. Drivers who want strong cash back with no separate card fee.
Similar
Related cards
Capital One Spark Cash Plus
capital one
4.3 / 5
- Welcome
- $2,000 cash
- Annual fee
- $150
Discover it Chrome
discover
3.9 / 5
- Welcome
- No welcome bonus
- Annual fee
- $0
Apply
Costco Anywhere Visa Card by Citi
No spend requirement
Rates accurate as of August 30, 2026. Issuer terms.