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Costco Anywhere Visa® Card by Citi

Although Costco Anywhere Visa is a store card, it carries plenty of benefits. For instance, it has no annual fee, no foreign transaction fee and it offers impressive rewards rates across a wide variety of categories.

The Citi Costco credit card gives you perks specific to Costco services and products, so if you spend a lot of time or money at the local Costco, this card may be right for you.

Pros & Cons


  • No annual fee
  • No foreign transaction fees
  • No limit on amount of cash you can earn
  • Redeem any amount above $1
  • Redeem for Costco merchandise and cash back


  • Must be a Costco member
  • Limited redemptions
  • You only get cash back once a year, as a certificate, in February
  • Certificate expires 12/31 of the same year
  • You lose your rewards if you close your account before you receive your certificate

Rates, fees & offers

  • Annual fee: $0
  • Rewards rate: 1%-4%
  • Bonus offer: None
  • Intro APR: N/A
  • Ongoing APR

           APR: 15.24% Variable APR
Cash Advance APR: 25.24%, Variable
Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee: 3% of each balance transfer; $5 minimum.
  • Foreign transaction fee: 0%


High cash back potencial

  • 4% on eligible gas, for the first $7,000 per year and then 1% thereafter
  • 3% on restaurants and eligible travel
  • 2% on all other purchases from Costco and
  • 1% on all other purchases

Purchase Protection

Get insurance coverage on purchases made with the Costco Anywhere Visa card. Purchases that are damaged or stolen can be refunded or replaced if reported within 120 days of purchase. New York residents only get 90 days.

Redeeming Rewards

While the card’s rewards rates are high, the redemption process is peculiar. Your earnings will be sent to you as a certificate that you can cash in at your local Costco warehouse. That means that cardholders receive their rewards once a year with their February billing statement.

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

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