What is the average credit score needed to get approved for a Costco Anywhere Visa® Card by Citi?

You need an average credit score of 720 or above to get approved for a Costco Anywhere Visa® Card by Citi.

Does the Costco Anywhere Visa® Card by Citi report to all three credit bureaus?

Yes, the Costco Anywhere Visa® Card by Citi reports to all three credit bureaus.

Is the Costco Anywhere Visa® Card by Citi application process lengthy? Can you prequalify?

The Costco Anywhere Visa® Card by Citi application process is simple, and approval does not take long. When you apply online or at a Costco outlet, you can receive a decision instantly. In some cases, you will get a decision by email or mail in seven to 14 days.

What information is needed to apply for a Costco Anywhere Visa® Card by Citi?

To apply for a Costco Anywhere Visa® Card by Citi, you need to provide your personal details, including your name and address, social security number as well as your financial information, including your source of income and how much you make.

Does the Costco Anywhere Visa® Card by Citi have good customer service or satisfaction?

The Costco Anywhere Visa® Card by Citi has round-the-clock customer service for its cardholders that can be accessed online, through the Citi Mobile app or via telephone.

Does the Costco Anywhere Visa® Card by Citi have a mobile app or the option to pay or manage your account online?

Yes, you can manage your Costco Anywhere Visa® Card by Citi account online or using the Citi mobile app.

Does the Costco Anywhere Visa® Card by Citi raise credit limits automatically or charge for limit increases?

The Costco Anywhere Visa® Card by Citi may [raise credit limits automatically](https://www.moneygeek.com/credit-cards/advice/increase-credit-limit-with-citi/) depending on your creditworthiness and the history of your account. Citi reviews accounts periodically, but cardholders can also request to have their accounts reviewed for a credit increase.

Does the Costco Anywhere Visa® Card by Citi offer the option to freeze your credit/account or have other security features?

The Costco Anywhere Visa® Card by Citi has security features, including text and email alerts in case of suspicious transactions. Cardholders can also generate a substitute Citi card number while shopping online to protect their account details.

Does Citi offer other credit cards besides the Costco Anywhere Visa® Card by Citi?

Yes, Citi offers multiple credit cards besides the Costco Anywhere Visa® Card by Citi, including American Airlines AAdvantage MileUp℠ Card and Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

MoneyGeek’s Take

Costco Anywhere Visa® Card by Citi Review

The Costco Anywhere Visa® Card by Citi is ideal for loyal and long-term Costco members. Costco Anywhere Visa® Card by Citi benefits include some of the highest cash back rewards on the market for gas purchases as well as decent rewards for your online and in-store Costco purchases.

Advertising & Editorial DisclosureLast Updated: 1/16/2023

Reviewed By

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The Costco Anywhere Visa® Card by Citi offers great value for Costo shoppers looking for a card with hefty rewards and no annual fees. This card comes with a generous 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter. The Costco Anywhere Visa® Card by Citi is also one of the most travel-friendly rewards cards in the market. It has no foreign transaction fee and a generous 3% reward rate for travel and dining expenses.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

Costco Anywhere Visa® Card by Citi at a Glance

Since many credit cards exclude warehouse purchases, the Costco Anywhere Visa® Card by Citi is a great option for loyal Costco shoppers who want to get rewards on their purchases. If you spend a lot in categories like gas, travel and dining, the Costco Anywhere Visa® Card by Citi offers generous rewards. You will also earn 2% cashback on both your in-store and online Costco purchases with this card.

Costco Anywhere Visa® Card by Citi
One of the best cards available for Costco members who spend a lot on gas
- ExcellentRecommended Credit
- $0Annual Fee
- 1–4% Cash Back*Rewards Rate
- 3xRewards Rate on Dining
- 3xRewards Rate on Air Travel
Pros
Generous reward program for gas purchases, travel and restaurant expenses
No foreign transaction fees
No annual fee for Costco members
Purchase protection for all purchases made using this card

Cons
Limited reward redemption options
No welcome bonus
Requires Costco membership
Earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
Earn 3% cash back on restaurants and eligible travel purchases
Earn 2% cash back on Costco and Costco.com purchases
Get purchase protection on all your purchases
Get cash back as an annual credit card reward certificate redeemable for cash or merchandise at any U.S. Costco warehouse
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Pros & Cons Explained

It is important to understand the pros and cons of the Costco Anywhere Visa® Card by Citi and how they will affect the value of the card in addition to your user experience. Before you sign up for this card, here are some of the pros and cons you need to consider.

Pros

Benefits
Description
High rewards rates
The 4% rewards rate for gas purchases worldwide is one of the best in the market, making the Costco Anywhere Visa® Card by Citi ideal for people who spend a lot on gas. This card also has generous rewards rates of 3% for travel and dining, which rivals some of the most popular travel cards in the market.
No foreign transaction fees
You can use this card to pay for international purchases or when traveling outside the U.S. at no extra charge. This card is also widely accepted, making it a great option if you travel and want a cost-effective card.
No annual fee
If you are a Costco member, you do not need to pay any fee for the Citi Costco Anywhere Visa card. This means you get great value because there are no annual costs eating into your rewards.

Cons

Drawbacks
Description
Limited redemption options
You can only redeem your Costco Anywhere Visa® Card by Citi rewards once a year. While this can help you accumulate a lot of rewards, for people who prefer a more flexible redemption program, this can be quite inconvenient. You are also limited to only redeeming your rewards at Costco.
No sign-up bonus
If you are looking for a card with a welcome bonus or 0% introductory APR, the Citi Costco Anywhere Visa card does not have these perks.
Costco membership is required
This card is only available to Costco members. If you are not already a member, you will need to pay the $60 Costco membership fee before you can submit your Costco Anywhere Visa® Card by Citi application.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

Consider comparing the Costco Anywhere Visa® Card by Citi with the best rewards credit cards. This can help you find out which cards offer the most value for different spending categories.

Bonuses & Rewards Explained

Before you apply for the Citi Anywhere Visa Card, it’s important to understand how the rewards work. Here’s what you need to know.

Reward programs

The Costco Anywhere Visa® Card by Citi has lucrative rewards for particular categories and offers great value for Costco members. With this card, you get 4% for gas purchases capped at $7,000 per year, then 1%, 3% for travel and restaurant expenses, 2% for Costco purchases, both in-store and online and 1% for all other eligible purchases.

Rewards redemption

Your Costco Anywhere Visa® Card by Citi rewards can only be redeemed at a Costco warehouse either for cash back or merchandise. Your rewards will be provided in the form of an annual certificate once a year in February and you have until December 31 of each year to complete the redemption or the certificate will expire.

Membership program

The Costco Anywhere Visa® Card by Citi is a co-branded card, which means that most of its benefits are tailored to suit Costco members. To be eligible for this card, you need to be an active Costco member. This costs $60 for regular membership and $120 if you want to join as an executive member.

Other Features Explained

Beyond the rewards, the Costco Anywhere Visa® Card by Citi offers additional features that can benefit cardholders.

Card Feature
Description
Purchase protection
The Costco Anywhere Visa® Card by Citi gives you access to purchase protection, which covers you for the loss or damage to your purchases.
Citi Entertainment
You will get access to Citi Entertainment(https://www.citientertainment.com/), which gives you special access to event tickets, concerts and more.
Customer service
Costco Anywhere Visa® Card by Citi cardholders have the option to manage and transact online using the Citi mobile app or website. Cardholders also get access to 24/7 customer service.
Security features
Costco Anywhere Visa® Card by Citi security features include notifications by email or text in case of suspicious activity. This card also comes with chip technology, which helps to minimize the risk of fraudulent transactions.

MONEYGEEK EXPERT TIP

One of the standout Costco Anywhere Visa® Card by Citi benefits is the purchase protection you get when you use this credit card. Any purchases made with this card that are stolen or damaged will be refunded or repaired, provided you report within 120 days of making the purchase.

Understanding the Fine Print

The Citi Costco Anywhere Visa Card does not have an annual fee, but there are other standard charges you need to be aware of before signing up.

Card Feature
Amount or Rate
APR
19.74% Variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1–4% Cash Back*
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
3x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
3x
Rewards Rate at Hotels
3x
Balance Transfer Fee
$5 or 5%, whichever is greater
Balance Transfer APR
19.74% Variable
Late Fees
Up to $41
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.74% Variable
Foreign Transaction Fee
None

Cash Back Rewards Rate
The rewards rate for this card varies depending on the spending category, with gas earning 4% cashback, travel and restaurant purchases earning 3%, Costco purchases earning 1% and all other purchases earning 1% cash back. It is important to note that the cash back rewards for gas purchases are limited to a maximum of $7,000 per year.
Regular APR
The Costco Anywhere Visa® Card by Citi has a variable APR of 19.49%. Since this credit card does not have an introductory APR offer, the regular APR applies to all purchases and balance transfers from the time of signing up.
Penalty APR
When you make a late payment or your payment is returned, the penalty APR applied will be 29.99%, variable based on your creditworthiness. To avoid this penalty APR which may be applied to your account indefinitely, it is important to make payment before your due date, which is 23 days after your billing cycle.
Transaction Fees
Balance transfers on this card attract a fee of $5 or 5% of the amount of each transfer, whichever is greater. For cash advances, the transaction fee is $10 or 5% of the amount, whichever is greater. There are no transaction fees for foreign transactions.
Annual Fees
This card has no annual fee for Costco members.

FINDING YOUR CARD'S RATES AND FEES

You can always verify your credit card information details by checking the card issuer's website or using authority sites like MoneyGeek. You will also find that your latest billing statement carries the latest information on your card. Checking the Citi mobile app or any other card issuers website or app will also help you keep up with the latest offers, deals and other important details. You can even get useful information from the credit card agreement database maintained by the Consumer Financial Protection Bureau.

Who Should & Shouldn’t Consider Costco Anywhere Visa® Card by Citi?

Other Considerations for Costco Anywhere Visa® Card by Citi

Like any other rewards credit card, the Costco Anywhere Visa® Card by Citi has its pros and drawbacks. Before you make this your primary or secondary rewards card, it is important to understand how to get the most value out of your card.

Things to Consider if This Will Be Your First or Only Credit Card

If this will be your first or only card, keep in mind that the Costco Anywhere Visa® Card by Citi has generous rewards in specific categories like gas and travel. This means if you spend more on groceries and not as much on gas, you may not benefit from the lucrative rewards programs. Consider your spending habits before choosing this card as your primary cash back card.

This card is designed to benefit Costco members. If you do not shop regularly at Costco, you will get better value with a card that is not specific to one vendor.

Additionally, you need a credit score of at least 720 or more to qualify for the Costco Anywhere Visa® Card by Citi. If your credit score is lower than this you may have trouble getting approved.

Things to Consider if This Will Be an Additional Card in Your Wallet

If you use the Costco Anywhere Visa® Card by Citi to complement your existing card, you can make the best out of it by using it for all your gas purchases. This will let you take advantage of the 4% reward rate until you reach the stipulated $7,000 per year limit, then 1% after the spending limit is reached. After this limit, you can use your other cards for gas purchases.

You can also use the Costco Anywhere Visa® Card by Citi while traveling internationally. This card has no foreign transaction fees and even offers generous rewards on travel expenses, which makes it as competitive as some of the best travel cards in the market. Considering that it has no annual fees, you may get better value using this for your travel-related expenses compared to other cards.

WHY TRUST OUR REVIEWS

MoneyGeek’s methodology and review process helps us determine the best credit cards for different consumer profiles based on card fees, interest rates, rewards, benefits and more. We use a comprehensive six-step process that involves collecting credit card information, standardizing data point weights, establishing the card’s value and ranks for different categories, reviewing data monthly and reprocess rankings among other key rating factors.

How Costco Anywhere Visa® Card by Citi Compares to Other Cards

For loyal Costco members, the Costco Anywhere Visa® Card by Citi is hard to beat for value and rewards earning potential. However, it’s still wise to compare it to other cards to make sure you add the best card for you to your wallet.

Quick Comparison of Costco Anywhere Visa® Card by Citi

Citi Costco Anywhere Visa card

Annual fee: None
Purchase APR: 19.49% Variable
Foreign transaction fee: None
Rewards rate: 4% cash back on gas, up to the first $7,000 in purchases, then 1%, 3% cash back for travel and dining, 2% cash back at Costco stores, 1% cash back on all other purchases.
Redemption options: Limited to once a year at Costco Warehouses
Mini Verdict: Best for Costco members who spend a lot on gas, travel and dining.

Chase Freedom Flex℠

Annual fee: $0
Purchase APR: 19.24% – 27.99% Variable
Foreign transaction fee: 3%
Rewards rate: 5% cash back on eligible purchases in rotating categories, once activated up to $1500, 5% on travel purchases through Chase Ultimate Rewards, 3% on dining and drugstores, 1% on all other purchases
Redemption options: Multiple redemption options with no time restrictions.
Mini Verdict: Best for people looking for a flexible and lucrative rewards credit card for everyday purchases and travel.

Other Helpful Decision-Making Q&As

If you would like to find out more about the Costco Anywhere Visa® Card by Citi, you will find more information in the answers to commonly asked questions.

Still not sure about this card? Consider these options.

If you are a Costco member looking for a rewards card with no annual charges and long-term value, the Costco Anywhere Visa® Card by Citi is a great choice. However, if you find that this card favors spending categories where you do not spend much money. You may want to consider cash back cards, travel cards, gas cards or even business cards to find the best option for your wallet.

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sources

Citi. "Costco Anywhere Visa Card by Citi." Accessed September 11, 2021.
Citi. "Interest Rates and Interest Charges." Accessed September 11, 2021.
Forbes Advisor. "Costco Anywhere Visa Card By Citi 2021 Review." Accessed September 11, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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