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Costco Anywhere Visa Card by Citi: Review

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Alex Miller
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Alex Miller

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Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
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Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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  • None

  • $0

  • 20.49% Variable

Costco Anywhere Visa® Card by Citi

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
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The Costco Anywhere Visa® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Snapshot

Welcome Bonus & Info

  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

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Great Card If

  • You are a regular Costco shopper
  • Your household spends a lot on gas

Don’t Get If

  • You rarely shop at Costco
  • You prefer a flat-rate, cash-back rewards card

Costco Anywhere Visa® Card by Citi: Is It Worth It?

The Costco Anywhere card is excellent for frequent Costco shoppers, especially those with a large family to feed or high gas expenses each month. With it, you earn 4% back on gasoline and EV charging on your first $7,000 in spend per year and then 1% thereafter, 3% back on restaurants and eligible travel including Costco Travel, 2% back at Costco and Costco.com, and 1% back on all other purchases.

While you might overlook the 2% cash-back at Costco in lieu of other grocery credit cards with a higher cash-back rate, keep in mind that Costco usually does not code as a grocery store purchase on these cards. Additionally, only Visa-branded cards are eligible to be used at Costco, further limiting your card options for Costco fans.

Given that, if you love shopping at Costco to take advantage of its bulk pricing, you’d be hard-pressed to find a more well-rounded card for these purchases over the Costco Anywhere card, especially since it also offers bonuses on gas, dining, and travel.

Beyond rewards, the card also offers damage and theft protection, rental car insurance, no foreign transaction fees, and no annual fee with an active Costco membership.

Costco Anywhere Card Benefits

Travel and Purchases Protections

  • Damage and Theft Protection: Eligible purchases paid with your card include damage and theft protection up to 120 days of purchase (90 days for New York residents). The coverage per item is $1,000, and the coverage limit per calendar year is $50,000.
  • Rental Car Insurance: This is secondary rental car insurance that covers up to $50,000 in accidental damage to your rental car.
  • No Foreign Transaction Fees: Use your card overseas without additional fees.

Best Ways To Earn and Redeem Your Cash-Back

The easiest way for you to rack up the cash-back with your Costco Anywhere card is to use it for as many purchases as you can, especially at Costco and on the other bonus categories of gas and EV charging, restaurants, and travel.

With the Costco Anywhere card, you don’t redeem your cash-back the same way as other cash-back cards you might be used to. Instead, your cash-back rewards are distributed once per year in February for the previous year, and you receive your cash-back rewards in the form of a credit card reward certificate, (unless your annual reward amount is greater than $10,000). Once you have your certificate, you can then redeem it at any Costco warehouse for cash or use it as a payment method for Costco purchases.

Alternatives to the Costco Anywhere Card

Wells Fargo Active Cash® Card

If you don’t want to deal with keeping track of bonus categories and prefer a simple card that earns rewards, the Wells Fargo Active Cash card is a solid option. The card earns an uncapped 2% cash rewards on all purchases and is a Visa card, so it can be used to pay for your Costco runs.

The card offers other great perks like up to $600 of cell phone protection, an auto rental collision damage waiver, and a $0 annual fee (rates and fees).

Plus, the card is also perfect for those who plan on making large purchases or transferring a balance, since the card offers a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.74%, 24.74%, or 29.74% Variable APR thereafter (rates and fees).

Chase Freedom Unlimited®

INTRO OFFER
Chase Freedom Unlimited®
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash-back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • 5% back on travel purchased through Chase Travel℠
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.99% - 28.74%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card is another great Visa card for those looking to maximize their cash-back, thanks to its bonus categories of 5% back on Chase Travel, 3% back on dining and at drugstores, and 1.5% back on all other purchases.

Additionally, the card has purchase protection, rental car insurance, and no annual fee. It pairs well to pool your rewards together if you also hold a card like the Chase Freedom Flex℠, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve®.

The information regarding the Costco Anywhere Visa® Card by Citi was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

What credit cards can be used at Costco?

Costco allows only Visa-branded credit cards during checkout. This makes the Costco Anywhere card a great option, but any other type of Visa card will also work.

Can the Costco Anywhere card only be used at Costco?

No, the Costco Anywhere card can be used anywhere that accepts Visa credit cards. In fact, the card bonus categories include gas, EV charging, and restaurants in addition to Costco purchases.

Who can get the Costco Anywhere card?

Opening the Costco Anywhere card requires you to have an active and paid Costco membership.

Does the Costco Anywhere card have an annual fee?

No, the Costco Anywhere card has a $0 annual fee, but it does require that you have a paid Costco membership in order to be able to open the card.

What credit score do you need for the Costco Anywhere card?

There is no set credit score that will guarantee that you will be approved for the Costco Anywhere card, and your credit score is just 1 factor in the approval decision. That said, those with a credit score of 670 or higher should have better than average approval odds.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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