Best in Class
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Citi Costco Anywhere Visa Credit Card Review
Key Takeaways
Skip this card and don't waste a 5/24 spot. While the card offers good points multipliers for Costco shoppers and gas purchasers, the rewards can only be redeemed at Costco. We don't recommend cards that lack a sign-up bonus and have limited redemption options. The goal of the points and miles strategy is to earn free or discounted travel, and numerous other cards would better serve this purpose.
Why This Card Could Be Right For You
This card offers some value if you're a frequent Costco shopper who regularly purchases gas at their stations. The Costco Anywhere card provides:
- 5% back on gas purchases at Costco
- 4% back on other eligible gas and EV charging stations (with an annual combined cap of $7,000 for cash back on gas/EV)
- 3% back on restaurants and eligible travel, including Costco Travel
- 2% back on all other Costco purchases
- 1% back on everything else
While loyal Costco shoppers could earn substantial rewards, the lack of a sign-up bonus and limited redemption options (only at Costco or for cash) make it difficult to justify using a valuable 5/24 position for this card. There is no annual fee, but you must maintain a Costco membership, which starts at $65 per year.
When The Usual Advice Doesn't Apply
The exceptions where this card might not be good for you.
- You want to use your miles and points to cash in for free travel, and while yes, you can use this cash back through Costco Travel, there are so many better cards and redemption offers out there
How The Citi Costco Anywhere Visa Credit Card Fits In The Cash in Cents Ecosystem
If you're a regular Costco shopper who has been collecting points for some time, you've likely experienced trying to use a non-Visa card at checkout for a substantial purchase, only to remember that Costco doesn't accept American Express or Mastercard. This situation can be frustrating when trying to maximize spending for points.
For those who frequently shop and purchase gas at Costco, the Costco Anywhere Business card might be worth considering. It offers identical benefits without occupying one of your 5/24 spots. However, we still believe your funds would be better utilized toward a substantial welcome offer on any number of alternative cards.
Card Information
Bonus Points
0
Minimum Spend
$0 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$0
1st Year Value
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Differentiating Perks
4% Cash Back on Gas & EV Charging*
3% Cash Back on Restaurants
2% Cash Back on Costco Purchases
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Average Offer Length
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
5¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
3¢
Per Dollar
Spent
Spent
2¢
Per Dollar
Spent
Spent
1¢
Per Dollar
Spent
Spent
Citi Costco Anywhere Visa Application Rules
Card approval not subject to 5-personal-cards-in-24-months rule
You'll be declined if you apply for a third Citi card within 65 days
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank).
