The Costco Anywhere Visa® Card by Citi is a rewards credit card tailored specifically for Costco members.
Known for its exceptional cashback benefits, this card offers robust rewards on categories such as gas, dining, travel, and purchases made at Costco.
With no annual fee beyond the cost of your Costco membership, it’s a practical choice for frequent shoppers and those looking to maximize everyday spending rewards.
About Citibank
Citibank, part of the global financial powerhouse Citigroup, has been a leader in innovative banking and credit solutions since 1812.
With a focus on reliability, transparency, and customer satisfaction, Citibank is one of the most trusted names in the financial industry.
The Costco Anywhere Visa Card by Citi is an example of Citibank’s commitment to creating valuable financial products for consumers.
Who Is This Card For?
The Costco Anywhere Visa Card by Citi is designed for:
- Costco Members: Individuals who regularly shop at Costco and want to maximize their membership benefits.
- Rewards Enthusiasts: People looking for high cashback rates on gas, dining, travel, and everyday purchases.
- Frequent Travelers: Cardholders who value rewards on travel expenses and international acceptance with no foreign transaction fees.
This card is ideal for Costco members who want to combine their shopping and financial goals into one seamless solution.
Advantages of the Costco Anywhere Visa Card by Citi
The Costco Anywhere Visa Card by Citi offers some of the best cashback rewards in its category:
- 4% Cashback on Gas: Earn up to 4% cashback on eligible gas purchases worldwide, including gas at Costco, on up to $7,000 annually (then 1%).
- 3% Cashback on Dining and Travel: Perfect for foodies and travelers, enjoy rewards on restaurants, airfare, hotels, and more.
- 2% Cashback at Costco and Costco.com: Maximize your savings on all your Costco purchases.
- 1% Cashback on All Other Purchases: Earn consistent rewards wherever Visa cards are accepted.
- No Annual Fee (with Membership): As long as you maintain a Costco membership, there’s no annual fee for the card.
Additional Benefits
Beyond cashback, the Costco Anywhere Visa® Card by Citi offers:
- No Foreign Transaction Fees: Shop abroad without worrying about extra charges.
- Purchase Protection: Enjoy coverage on eligible purchases for damages or theft.
- Travel Benefits: Access to travel and emergency assistance, worldwide car rental insurance, and Citi Concierge services.
- Digital Wallet Compatibility: Link your card to Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments.
- Citi Identity Theft Solutions: Benefit from fraud protection and identity theft assistance.
Why Choose the Costco Anywhere Visa Card by Citi?
This card provides a comprehensive rewards structure that caters to Costco members and beyond.
The high cashback rates on gas, dining, and travel make it a versatile choice for individuals who value rewards on everyday spending.
Its no foreign transaction fees and travel perks enhance its appeal for those who frequently travel internationally.
Is This Card Right for You?
The Costco Anywhere Visa® Card by Citi is perfect if:
- You are a Costco member looking to maximize your spending at the warehouse and beyond.
- You frequently spend on gas, dining, and travel, and want higher-than-average cashback rewards.
- You prefer a card with no annual fee tied to your Costco membership.
- You need a card with global acceptance and no foreign transaction fees.
How to Use the Costco Anywhere Visa Card Effectively
To make the most of this card:
- Focus on Rewards Categories: Use it for gas, dining, travel, and Costco purchases to maximize cashback.
- Pay Off Balances in Full: Avoid interest charges by paying your balance in full each month.
- Renew Your Costco Membership: Maintain an active Costco membership to continue enjoying the card’s benefits.
- Redeem Cashback Annually: Cashback rewards are issued as an annual reward certificate, which can be redeemed at Costco warehouses.
Fees and charges
● Introductory APR: 19,49 % - 27,49 %;
● Balance Transfer Fee: Either $5 or 5% of the amount of each transfer whichever is greater;
● Cash Advance: Either $10 or 5% of the amount of each cash advance whichever is greater;
Expert review
The Costco Anywhere Visa® Card by Citi is a great option for Costco members looking to earn rewards on everyday purchases.
It offers 4% cashback on eligible gas, 3% on restaurants and travel, 2% at Costco, and 1% on other purchases.
There's no annual fee for Costco members, making it affordable for frequent shoppers.
However, the card has foreign transaction fees, requires Costco membership, and rewards can only be redeemed as Costco cash cards.
It’s ideal for loyal Costco shoppers but less suitable for international travelers.
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+Positive points
- 4% cashback on gas: Earn 4% cashback on eligible gas purchases, making it ideal for frequent drivers.
- 3% cashback on dining and travel: Great rewards for those who spend on restaurants and travel, adding significant value for these categories.
- 2% cashback at Costco: Enjoy 2% cashback on purchases made at Costco and Costco.com, which adds up quickly for regular shoppers.
- No annual fee with Costco membership: The card has no annual fee as long as you're a Costco member, making it affordable for loyal customers.
- No limits on cashback earnings: There’s no cap on the cashback you can earn in eligible categories, maximizing your rewards potential.
- Negative points
- Foreign transaction fees: The card charges foreign transaction fees, which could be a disadvantage for international travelers.
- Requires Costco membership: To apply for the card, you need to be a Costco member, limiting its accessibility to non-members.
- Rewards only redeemable as Costco cash cards: Cashback can only be redeemed as Costco cash cards, which may not be convenient for all users.
