Costco Anywhere Visa by Citi
No fee
Citi
Costco Anywhere Visa by Citi
4.4
(2,345 reviews)cashback
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026If you already have a Costco membership, this card is essentially free and earns some of the best rates available — 4% on gas, 3% on travel and dining, 2% at Costco. Heavy drivers can earn hundreds per year on gas alone. Rewards paid annually in February, usable at Costco or redeemable for cash.
Annual Fee
No annual fee
Purchase APR
20.49%
Rewards
1% base rate
Sign-Up Bonus
None
Credit Score
Excellent (750+)
Foreign Txn Fee
None
Who Should Get This Card
The Costco Anywhere Visa by Citi is best suited for experienced cardholders who costco members who drive frequently. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- 4% on gas (best rate without annual fee)
- 3% on travel & dining
- No FTF
- Costco members who drive frequently
Consider another card if you…
- Requires Costco membership ($65+/year)
- Rewards paid only once/year in February
- Excellent credit required
Rewards Breakdown
4% gas & EV charging worldwide, 3% travel & dining, 2% Costco, 1% everywhere else
| Category | Rate |
|---|---|
| Gas & EV charging(Exclusively for Costco members: earn 4% on gas and EV charging up to 7,000 dollars per year then 1%, 3% on restaurants and eligible travel, and 2% on all Costco purchases. No card annual fee beyond your Costco membership and no foreign transaction fees. One of the highest consistent gas rewards rates available on any card.) | 4% |
| Travel & dining | 3% |
| Costco & Costco.com | 2% |
| Everything else | 1% |
Rewards Distribution
4%
top rate
Gas & EV charging4%40%
Travel & dining3%30%
Costco & Costco.com2%20%
Everything else1%10%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 20.49% |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | None |
| Late Fee | Up to $40 |
Pros & Cons
4% on gas (best rate without annual fee)
3% on travel & dining
No FTF
No card fee with Costco membership
4% on EV charging
Requires Costco membership ($65+/year)
Rewards paid only once/year in February
Excellent credit required
The Bottom Line
The Good: The Costco Anywhere Visa by Citi stands out for its 4% on gas (best rate without annual fee). No foreign transaction fees make it a strong pick for international spending.
The Not So Good: Requires Costco membership ($65+/year). You'll need excellent credit (750+) to qualify.
Our Verdict: With an editor score of 8/10, the Costco Anywhere Visa by Citi is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the Costco Anywhere Visa by Citi?▾
The Costco Anywhere Visa by Citi has no annual fee — you'll never be charged just for keeping the card open.
How do the rewards work on the Costco Anywhere Visa by Citi?▾
The Costco Anywhere Visa by Citi earns 1% on all purchases, and up to 4% in select bonus categories. Rewards are earned as cash back credited to your statement.
What credit score do I need for the Costco Anywhere Visa by Citi?▾
The Costco Anywhere Visa by Citi is recommended for applicants with excellent (750+) credit. Approval is not guaranteed and depends on your full credit profile.
Does the Costco Anywhere Visa by Citi charge a foreign transaction fee?▾
No — the Costco Anywhere Visa by Citi has no foreign transaction fees, making it a solid choice for international purchases and travel abroad.
What is the APR on the Costco Anywhere Visa by Citi?▾
The Costco Anywhere Visa by Citi has a variable purchase APR of 20.49%. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the Costco Anywhere Visa by Citi best for?▾
The Costco Anywhere Visa by Citi is best for Costco members who drive frequently. A key advantage: 4% on gas (best rate without annual fee).
Customer Reviews
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