Costco Anywhere Visa® Card by Citi
Citi
Welcome Offer
Our take
A no-card-fee cash-back product for Costco members with useful gas, dining, travel, and Costco categories. The Costco membership is still a real cost when the household would not otherwise keep it, and rewards are less flexible than cards offering on-demand cash out. It works best for existing Costco shoppers, not as a reason to join.
Best for
- ✓ Existing Costco members
- ✓ Households with meaningful gas and Costco spending
- ✓ People comfortable with the card's reward-distribution schedule
Not ideal for
- — People who would not otherwise maintain Costco membership
- — Cardholders wanting immediate flexible redemption
- — Travel-points users
Conservative break-even test
If Costco membership already makes sense independently, compare category cash back with other no-fee cards. If the card drives the membership decision, subtract the membership cost and include the value of Costco pricing you actually use.
Is the Costco Anywhere Visa Card by Citi right for you?
The Costco Anywhere Visa Card by Citi is a no-annual-fee rewards card from Citi. Its strongest everyday earning is 4x on gas stations, with 2x on most other purchases. With no fee, the question is simply whether 4x on gas stations beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on gas stations, where it earns 4x
- ✓ Anyone who wants gas stations rewards without paying an annual fee
First-year value estimate
Year two, without the welcome bonus: about $300 before credits ($300 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in gas stations (4x) and $9,000 on everything else (2x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- No welcome bonus is listed in our record, so none is counted.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Frequently asked questions
- Does the Costco Anywhere Visa Card by Citi have an annual fee?
- No. Our record lists a $0 annual fee for the Costco Anywhere Visa Card by Citi.
- What does the Costco Anywhere Visa Card by Citi earn?
- 4x on gas stations, 4x on restaurants, 3x on eligible travel, and 2x on other purchases.
- Is the Costco Anywhere Visa Card by Citi worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in gas stations), the first year comes out around $300 before credits, including a welcome bonus valued at $0. Year two drops to about $300 before credits.
- What credit do I need for the Costco Anywhere Visa Card by Citi?
- Our record lists "Good" credit as the typical target for the Costco Anywhere Visa Card by Citi. Citi makes the final decision based on its own criteria.
Earning Rates
Other Benefits
Other Benefits
Visa Signature benefits accepted at millions of locations worldwide.
Access to Citi Entertainment for special event access.
Exclusive travel bookings through Costco Travel.
Insurance
Sources
- https://www.costco.com/credit-card.html
- https://www.dailydrop.com/credit-cards/costco-anywhere-visa-card-by-citi
- https://www.cnbc.com/select/key-things-to-know-about-the-costco-anywhere-visa-card/
- https://www.costcotravel.com/Info/Credit-Card
Last Updated: Apr 16, 2026