| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 0 | $0 | 1.0 ¢ | $0 | $0 | $0 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Cash Back | Earn 4% on eligible gas purchases, plus 3% on restaurant and all eligible travel purchases worldwide. | No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6 |
Spend Categories
1X points
1¢ Per Dollar Spent
4X points
4¢ Per Dollar Spent
3X points
3¢ Per Dollar Spent
3X points
3¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
Card Benefits
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
will cover repairs or a refund if eligible purchases made with your card are damaged or stolen within 120 days of purchase (90 days for New York residents).
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System Cash in Cents
Transfers In From
1:1 71% value retained
1:1 100% value retained
1:1 91% value retained
1:1 63% value retained
1:1 83% value retained
1:1 67% value retained
Why You Might Want This Card
Buying in Bulk
This card is, shockingly, for customers of Costco but that’s not the only clientele that can benefit from this Visa. Yes, you should shop at Costco at least enough to offset your Costco membership but the real value comes back through your gas purchases, earning 4% back on gas, 2% back at Costco and 1% back for everything else.
No Sign-Up Bonus and Other Disappointments
Here is where we tell you, don’t waste your time on a credit card that doesn’t offer a sign-up bonus. Yes, there are good things about this Visa, like Purchase Protection and Extended Warranty but you will only squeeze value out of this card if you are on the road constantly, filling your gas tank every other day. And redemption is only at Costco, as a store credit certificate and only once per year.
Bottom Line
You can use the Costco portal, if that’s your thing, and book a vacation with this card at significantly discounted prices, but you can do that anyways if you're a Costco member. Look, we don’t want to knock Costco, we actually shop there all the time. But as far as taking a punch to the personal credit score, we definitely train for something bigger, and this just isn’t it.
Application Rules
Card approval not subject to 5-personal-cards-in-24-months rule
You'll be declined if you apply for a second Citi business card within 95 days
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
Ranking of Cards Offering Cash in Cents
What to Know Before Canceling
With no annual fee, unless there is a specific reason, we usually leave cards open to maintain the relationship with the bank.
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database: