| Rewards | 5% cash back on gas and EV charging at Costco. 4% cash back on other eligible gas and EV charging (on the first $7,000 per year, then 1%). 3% cash back on restaurants and eligible travel worldwide. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 (but requires a paid Costco membership, which starts at $65). |
| Cardmember Agreement | View Here |
| Cash Advance APR | 28.74%. |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Late payments can be up to $41. |
| Purchases APR | 18.74% – 26.74%, based on your creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Costco Anywhere Visa® by Citi is a heavy hitter for loyal warehouse shoppers, famous for its 4% back on gas and 3% on travel and dining. Since there’s no annual fee (provided you’re already paying for a Costco membership), it’s often seen as a “must-have” for families who live in the bulk aisles.
Most cardholders rave about the gas rewards, especially since it applies to EV charging too. Many reviewers mentioned it’s their go-to card for road trips and vacations because of the lack of foreign transaction fees.
However, common complaints almost always focus on the rigid payout system. You only get your rewards once a year in February, and if you cancel your membership before then, you lose them. Others find the lack of a traditional signup bonus a bit disappointing compared to other premium cards.
Personally, I think this card is a no-brainer if you’re already a Costco regular and want a simple, high-earning “everything” card. But if you hate waiting a full year to see your cash back, you might find more flexibility with a standard 2% card elsewhere.
RATE THIS CREDIT CARD
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Good at Costco, weak elsewhere
The card only shines if you shop heavily at Costco. Outside the store, rewards are limited and not very flexible. Interest rates are high, making balances expensive. Overall, it's more of a store card than a strong everyday option
