Costco Anywhere Business
Citi
No Annual Fee
Annual Fee
visaGoodbusinessno-annual-fee17 days ago
Welcome Offer
No Welcome Offer
OpenCard analysis
Is the Costco Anywhere Business right for you?
The Costco Anywhere Business is a no-annual-fee business rewards card from Citi. Its strongest everyday earning is 5x on Gas at Costco, with 1x on most other purchases. With no fee, the question is simply whether 5x on Gas at Costco beats what your current card earns there.
Who it's for
- ✓ Business owners who want business spending on its own card
- ✓ People who spend steadily on Gas at Costco, where it earns 5x
- ✓ Anyone who wants Gas at Costco rewards without paying an annual fee
Who should skip it
- — Applicants without a business or business income
- — Heavy spenders outside Gas at Costco — everything else earns 1x
First-year value estimate
Welcome bonus
$0
Rewards on spending
$240
Annual fee (year 1)
−$0
Year 1, before credits
$240
Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in Gas at Costco (5x) and $9,000 on everything else (1x) — $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 2026-10-02.
How it compares
Amex Blue Business Plus →
American Express, same $0 annual fee; earns 2x on All Purchases (first $50K/year).
Bank of America Business Advantage Travel Rewards World Mastercard →
Bank of America, same $0 annual fee; earns 1.5x on everything.
Chase Ink Business Cash →
Chase, same $0 annual fee; earns 5x on Internet, Cable & Phone Services.
Rules and gotchas
- Bonus cap on Gas at Costco: 5% on gas at Costco (5% and 4% earn on a combined $7,000 per year, then 1%)
Frequently asked questions
- Does the Costco Anywhere Business have an annual fee?
- No. Our record lists a $0 annual fee for the Costco Anywhere Business.
- What does the Costco Anywhere Business earn?
- 5x on Gas at Costco, 4x on Other Gas & EV Charging, 3x on Restaurants & Travel, 2x on Costco Purchases, and 1x on other purchases. Some bonus rates are capped; see the rules and gotchas above.
- Is the Costco Anywhere Business worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas at Costco), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
- What credit do I need for the Costco Anywhere Business?
- Our record lists "Good" credit as the typical target for the Costco Anywhere Business. As a business card, the application also asks about the business. Citi makes the final decision based on its own criteria.
Earning Rates
5×Gas at Costco5% on gas at Costco (5% and 4% earn on a combined $7,000 per year, then 1%)
4×Other Gas & EV Charging4% on other eligible gas and EV charging (combined $7,000 cap with gas at Costco)
3×Restaurants & Travel3% on restaurants and eligible travel, including Costco Travel
2×Costco Purchases2% on all other Costco and Costco.com purchases
1×All Other Purchases1% on all other purchases
Insurance
Sources
Last Updated: Oct 2, 2026