- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0.5
- Fees
- 5
- Application
- 5
- Issuer
- 5
Summary
- Sign-Up Bonus
- 0
- Spending Multipliers
- 3.5
- Credits & Features
- 0.5
- Fees
- 5
- Application
- 5
- Issuer
- 5
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
Cons
Issuer
Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.
Spending Multipliers
4%
Cash Back on EV charging and gas stations up to $7,000 in annual spend
3%
Cash Back on dining
3%
Cash Back on travel
2%
Cash Back on Costco
1%
Cash Back on all other purchases
Credits & Features
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)