Costco Anywhere Visa by Citi
Every rate below is the issuer’s own, verified October 2, 2026.
Terms apply. See rates & fees on Citi. Rankings are pure math, never sold.
How it earns
Every rate here is the issuer’s published number. Points are valued at what this door can redeem them for: cash-back at the statement-credit rate, travel at the issuer’s travel rate.
What it pays at a typical spend
The family on our home page spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else. Figures as of October 2, 2026, the day the terms were last verified.
At that spending the Costco Anywhere Visa by Citi nets $396 a year, after its fee. The biggest line is gas, at $120. For the family on our home page, it places last of the 12 cash back cards we’ve confirmed.
The Prime Visa, just above it among the confirmed cards, nets $42 more in year one. Judged on every year after the first instead, it places sixth of the 12 cash back cards we’ve confirmed.
Who it fits
It fits if
- You spend a lot on gas: it earns 4x there up to $7,000 a year.
- You already pay for a Costco membership.
Look elsewhere if
- Most of your spending sits outside its categories: the rest earns 1x.
- You do not have a Costco membership: its $65 a year is the real fee.
- Your credit is fair or thin: approval usually needs good credit.
Plain facts
- Who gets approvedGood credit, around 670+. Typically ~good credit or better (estimate; issuer does not publish a score).
- Gas at Costco pays more than we countCostco's own pumps pay 5%; every other eligible gas and EV charging purchase pays 4%, on the first $7,000 a year, then 1%. We count 4%, because we cannot know which pumps you use.
- The 2% at Costco is not in this numberPurchases at Costco and Costco.com pay 2%, and the questions have no line for them, so the number above is a floor.
- It needs a paid Costco membershipYou have to be a member to apply — $65 Gold Star or $130 Executive at Costco's own prices. If you told us you are not a member, the $65 is subtracted in the number above; if you already pay it, the card costs you nothing new.
- Rewards arrive once a yearCash back comes as a single annual certificate after your February statement, redeemable for cash or merchandise at U.S. Costco warehouses — not monthly statement credits.
- The issuer’s terms governRates, fees and bonus conditions are set by Citi and change without notice. Confirm the current offer before you apply.
- Where these numbers came fromCollected by hand from Citi’s own published terms, last verified October 2, 2026. An automatic check re-reads that page every day. On October 19, 2026 all 6 of the figures it watches here were still printed there. How we check
What people ask about it
Is there a cap on what it earns?
Yes: 4x on gas stops at $7,000 a year. Past a cap, spending earns 1x, and our figures count it that way.
How is the cash back paid?
As cash rewards, a dollar for a dollar, so our figures count it at face value.
What does it earn on each purchase?
4x on gas, 3x on dining and 3x on travel, and 1x on everything else.
Where the rankings stand
The Costco Anywhere Visa by Citi is not in the top five of these.
- Best card for diningAt $500 a month on dining, the rest of the spending unchanged, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesCiti Double Cash first, at $668 in year one.
More cards like this
- Yearly fee $0U.S. Bank Smartly Visa SignatureU.S. Bank · for one card on everything, 2x
- Yearly fee $0Discover it Cash BackDiscover · for rotating categories, 5x each quarter
- Yearly fee $0Prime VisaChase · for Prime members, 5x at Amazon and Whole Foods, and 2x on gas and dining
The three cash back cards beside this one on our list of every card. See every card