Costco Anywhere Visa® Card by Citi

Pros & Cons

Pros

+Up to 4x on gas & EV charging
+Purchase protection included
+No annual fee

Cons

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Our Review

Enhance Your Everyday Savings with the Costco Anywhere Visa® Card by Citi

5% cash back on gas at Costco® warehouse locations
4% cash back on other eligible gas and EV charging (up to $7,000 per year, then 1%)
3% cash back on restaurants and eligible travel, including airfare, hotels, car rentals and Costco Travel®
2% cash back on all Costco® and Costco.com purchases
1% cash back on all other purchases
No annual fee when you maintain your Costco membership
No foreign transaction fees
Annual reward certificate redeemable for cash back on Costco purchases

Whether you’re fueling up, dining out or stocking your business, this card delivers top‑tier cash back where you spend most. Rewards accumulate automatically and convert into an annual certificate you can use for merchandise or credit at Costco. With seamless digital account management and Citi’s contactless payment security, you’ll enjoy powerful savings and peace of mind every time you swipe.

Terms apply. 4% rate applies to combined gas/EV purchases up to $7,000 per calendar year; 1% thereafter. Purchase and rewards certificates subject to Costco and Citi program rules. See issuer’s site for full details.

Rewards

All Spending

1x

Costco pts per dollar

Gas

4x

Costco pts per dollar

Restaurants

3x

Costco pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Your point valuation¢/ point

0.50¢3¢

Groceries1x

$700/mo

Gas & EV4x

$200/mo

Transit1x

$100/mo

Restaurants3x

$300/mo

Pharmacy1x

$50/mo

Travel1x

$150/mo

Bills & recurring payments1x

$250/mo

Telecom1x

$150/mo

Entertainment & streaming1x

$100/mo

Office supplies1x

$0/mo

All other spending1x

$500/mo

Points Earned

44,400

Costco/yr

Estimated Value

$444

After Fees

+$444

1st Year Value

$444

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 1x8,400 pts

Gas & EV$2,400/yr × 4x9,600 pts

Transit$1,200/yr × 1x1,200 pts

Restaurants$3,600/yr × 3x10,800 pts

Pharmacy$600/yr × 1x600 pts

Travel$1,800/yr × 1x1,800 pts

Bills & recurring payments$3,000/yr × 1x3,000 pts

Telecom$1,800/yr × 1x1,800 pts

Entertainment & streaming$1,200/yr × 1x1,200 pts

All other spending$6,000/yr × 1x6,000 pts

Total annual spend$30,000

Total monthly spend$2,500

Average earn rate on spend per year1.48x

Total points earned44,400 pts

Value of points accumulated in the first year≈ $444

Additional Benefits

Travel & emergency assistance: if you need assistance before or during a trip, services are available 24/7 for emergency travel arrangements, travel issues and much more. Referrals or assistance is at no cost, but you will pay for the services you use. Roadside assistance dispatch service: if you have car trouble in the United States, Puerto Rico and the U.S. Virgin Islands, we'll send help directly to your location. You are responsible for the costs of any services provided. An active Costco membership is required to apply.

Travel Insurance

Travel Accident

Up to $250,000

Purchase Protection

Up to $1,000 / 120 days

Auto Rental Collision

Up to $50,000 / 31 days

View the insurance certificate (PDF)

Terms & Conditions

Card Features

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico