Apply for the Costco Anywhere Visa Card by Citi

The Costco Anywhere Visa Card by Citi is an exclusive credit card for Costco members, designed to offer amazing rewards on everyday purchases and at Costco stores.

With cashback in specific categories such as gasoline, dining, and travel, this card is an excellent option for those looking to save while enjoying the benefits of the Costco network.

Additionally, the card combines competitive rates and high-quality rewards, making it a popular choice among consumers.

It’s important to note that it has no annual fee as long as you maintain an active Costco membership.

Is this card the best option for you?

If you are a Costco member or are considering becoming one, the Costco Anywhere Visa Card by Citi can be a great addition to your financial portfolio.

Here are some reasons why it might be the ideal choice:

• Competitive Rewards: This card offers generous cashback in several categories:
  • 4% cashback on gasoline (up to $7,000 per year, then 1%).
  • 3% on dining and travel.
  • 2% on Costco and Costco.com purchases.
  • 1% on all other purchases.
• No Additional Annual Fee: As long as you maintain your Costco membership, you won’t need to pay an annual fee for the card.
• Versatility and Acceptance: The card is accepted anywhere Visa is used, and it also offers specific benefits at Costco stores.

On the other hand, if you’re not a Costco member or don’t shop at Costco frequently, this card might not offer the benefits you’re looking for.

Additionally, the cashback limits in some categories could be a consideration for those with significant spending.

Negative Aspects to Consider

While the Costco Anywhere Visa Card by Citi offers many benefits, it’s important to be aware of the following points:

1. Requires Costco Membership: To apply for and keep the card, you must be an active Costco member. Membership has an annual fee that varies depending on the plan you choose.
2. International Transaction Fee: The card charges a 3% fee on purchases made outside of the United States, which may make it less attractive for international travel.
3. Gas Cashback Limit: The 4% cashback on gasoline is capped at $7,000 per year. After reaching this limit, gasoline purchases earn only 1% cashback.
4. Annual Reward Program: Unlike other cards that allow you to redeem rewards at any time, the Costco Anywhere Visa by Citi accumulates cashback throughout the year and only allows redemption once per year, in the form of a coupon.
5. Requires Good Credit: The card requires a good to excellent credit score (typically above 700), which may be a challenge for some consumers.

These aspects should be considered to ensure the card aligns with your financial needs and expectations.

How to Apply for the Card

Costco Anywhere Visa® Card by Citi

The application process for the Costco Anywhere Visa® Card by Citi is straightforward and designed with convenience in mind.

Follow these steps to complete your application successfully:

• Visit the Official Costco or Citi Website: Begin by navigating to the official Costco or Citi website, where you can find the dedicated page for the Costco Anywhere Visa® Card by Citi. This ensures you are accessing the most up-to-date application form and promotional information.
• Fill Out the Online Application Form: Complete the application with your personal details, including your full name, address, Social Security number, income, and employment information. Accuracy is essential to avoid delays during the analysis process.
• Submit Any Required Documentation: Depending on your financial profile, you might need to provide additional documentation such as recent pay stubs or bank statements. Having these documents ready will help expedite the review.
• Review the Terms and Conditions: Carefully read through the terms and conditions before submitting your application. Pay attention to key details such as the APR, fees, rewards program, and any introductory offers.
• Submit Your Application: Once you have verified that all your information is accurate and you understand the card’s terms, submit your application. In most cases, you will receive an immediate decision; if further review is needed, Citi will contact you with additional instructions.
• Receive Confirmation and Next Steps: If your application is approved, you will receive a confirmation email outlining the next steps, including an estimated delivery date for your new card. Follow any further instructions promptly to ensure a smooth onboarding process.

Tracking your application

Once approved, the Costco Anywhere Visa Card by Citi will be mailed to the address provided during the application.

The delivery time is typically 7 to 10 business days. If you encounter delays or want to track the status of the shipment, you can visit the Citi portal or contact customer service.

Associated costs with the credit card

While the Costco Anywhere Visa Card by Citi doesn’t charge an additional annual fee for Costco members, there are other costs to consider:

• Annual Fee: $0, as long as you maintain your Costco membership.
• International Transaction Fee: 3% of the purchase amount made outside the U.S.
• Interest Rate (APR): APR ranges from 19.99% to 28.99%, depending on your credit history.
• Late Payment Fee: Up to $41.
• Cash Advance Fee: 5% of the withdrawn amount (or $10, whichever is greater).

With controlled costs and attractive rewards, this card is a great choice for Costco members who shop frequently at the network.

Frequently asked questions about the credit card

• Do I need to be a Costco member to have the card? Yes, you must be an active Costco member to apply for and maintain the card.
• Does the card have an annual fee? No, as long as you maintain your Costco membership, there is no annual fee.
• Can I redeem cashback at any time? No. Rewards accumulate throughout the year and can only be redeemed once per year, in the form of a coupon that can be used at Costco stores.
• Is the card accepted outside Costco stores? Yes, the Costco Anywhere Visa Card by Citi is accepted anywhere Visa is accepted.
• What are the card’s main benefits? The benefits include 4% cashback on gasoline, 3% on dining and travel, 2% on Costco purchases, and 1% on all other purchases.

Issuer contact information

If you need support or additional information, Citi offers several contact options for Costco Anywhere Visa Card holders:

• Phone: Call customer service at 1-855-378-6467.
• Official Website: Visit the Citi portal (www.citi.com) to manage your account or obtain information.
• Citi Mobile® App: Use the app to track your transactions, check your balance, and make payments.
• In-Store Assistance: You can also receive assistance in person at a Costco store.

The Costco Anywhere Visa Card by Citi is a powerful option for Costco members who want to maximize their cashback rewards and save on everyday purchases.

With generous rewards on gasoline, dining, travel, and Costco purchases, along with no annual fee for members, this card stands out as a smart choice.

If you’re already a Costco member or plan to become one, this card can offer significant savings and convenience in managing your finances.

Apply now and enjoy the exclusive benefits of the Costco Anywhere Visa Card by Citi!