Costco Anywhere Visa Credit Card by Citi Credit Card

Costco Anywhere Visa Credit Card by Citi

Last Updated: 02/25/2026

Rating
3.2 / 5
Sign Up Bonus
No Welcome Bonus
Annual Fee
$0
Credit Score
Very Good

Summary

Sign-Up Bonus
0
Spending Multipliers
3.5
Credits & Features
0.5
Fees
5
Application
5
Issuer
NaN

The Citi Costco Anywhere Visa Card from Citibank is a no-annual-fee credit card designed for Costco members who want to maximize cashback on everyday purchases while shopping at Costco and elsewhere. With 5% back on eligible gas and electric vehicle charging (up to $7,000 per year), 4% back on restaurants and eligible travel (also capped), and 1% back on all other purchases, this card is ideal for families and budget-conscious consumers who frequently shop at Costco and want to earn significant annual rewards. Cashback is issued once a year as a certificate redeemable at Costco, which makes it best suited for members who plan larger yearly redemptions. Additional perks include damage and theft purchase protection, car rental insurance, and travel accident insurance, adding peace of mind to everyday and travel spending. While the card requires an active Costco membership and lacks a welcome bonus, it benefits regular Costco shoppers seeking straightforward, high-percentage rewards and essential purchase protections.

Pros

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No annual fee
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No foreign transaction fee

Cons

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No welcome bonus
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Requires Costco membership
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Cash back is received once a year as a certificate and must be redeemed at Costco
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5% and 4% EV and gas purchases are limited to the first $7,000 in annual spend
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1% catch all category

Issuer

Spending Multipliers

Credits & Features

Damage & Theft purchase protection
Car rental insurance
Travel accident insurance

Application

  • Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
  • Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
  • Consider having at least a credit history for 1 year

Fees

  • No Annual Fee
  • No Foreign Transaction Fee
  • Up to $41 late fee
  • Up to $41 return payment fee
  • 18.74% - 26.74% Variable APR
  • 28.74% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 18.74% - 26.74% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process