Costco Anywhere Visa Card by Citi Review 2026: Is It Worth It?
The Costco Anywhere Visa Card by Citi is one of the best no-annual-fee cash back cards for Costco members in 2026. It earns 4% on gas, 3% on travel and dining, 2% at Costco and 1% everywhere else — all with no annual fee beyond your Costco membership.
Costco Anywhere Visa Card by Citi: Quick Overview
| Feature | Details |
|---|---|
| Annual Fee | $0 (Costco membership required) |
| Gas Rewards | 4% on eligible gas (first $7,000/year) |
| Travel + Dining | 3% cash back |
| Costco Purchases | 2% cash back |
| All Other Purchases | 1% cash back |
| Foreign Transaction Fee | None ✅ |
| Welcome Bonus | None |
| Card Network | Visa Signature |
| Best For | Costco members who drive a lot |
Costco Anywhere Visa Card by Citi: Rewards Breakdown
The Costco Anywhere Visa Card by Citi has one of the most straightforward rewards structures available. Here’s exactly what you earn on each category:
4%
Gas stations
First $7,000/year
3%
Travel + Dining
No cap
2%
Costco purchases
In-store + online
1%
Everything else
No cap
How Much Can You Earn? Real Numbers
Based on a typical Costco member’s monthly spending:
| Category | Monthly Spend | Rate | Monthly Earnings |
|---|---|---|---|
| Gas | $300 | 4% | $12.00 |
| Costco Shopping | $500 | 2% | $10.00 |
| Dining | $300 | 3% | $9.00 |
| Travel | $200 | 3% | $6.00 |
| Other | $700 | 1% | $7.00 |
| Total | $2,000/month | — | $44/month = $528/year |
Costco Anywhere Visa Card by Citi: Pros and Cons
✅ Pros
- 4% on gas — one of the best gas rates available anywhere
- 3% on travel and dining — competitive with premium cards
- No annual fee beyond Costco membership
- No foreign transaction fees — great for international travel
- Accepted at all Visa locations worldwide
- Solid travel and purchase protections included
- No spending cap on travel and dining rewards
❌ Cons
- Requires active Costco membership ($65-$130/year)
- No welcome bonus — unusual for a rewards card
- 4% gas rate capped at $7,000 spending per year
- Cash back paid once per year as a Costco reward certificate
- Only redeemable at Costco — no cash or transfer options
- Only 2% at Costco — lower than some competitors
How Does It Compare to Other Gas Cards?
| Card | Gas Rate | Annual Fee | Other Rewards |
|---|---|---|---|
| Costco Anywhere Visa | 4% (capped) | $0 + membership | 3% travel/dining, 2% Costco |
| Citi Custom Cash | 5% auto (top cat.) | $0 | 1% on everything else |
| Amex Blue Cash Preferred | 3% on gas | $95 | 6% groceries, 6% streaming |
| Capital One SavorOne | 3% on gas | $0 | 3% dining, groceries, entertainment |
Is the Costco Anywhere Visa Card by Citi Worth It in 2026?
✅ Worth it if: You’re already a Costco member, drive regularly, and eat out or travel frequently. The 4% gas rate alone can earn $200+ per year for regular drivers — easily justifying the card.
❌ Not worth it if: You don’t have a Costco membership, prefer cash back over store credit, or want a welcome bonus. The once-per-year reward certificate and Costco-only redemption limit flexibility.
💡 Best strategy: Use the Costco Anywhere Visa for gas (4%), travel and dining (3%). Pair it with the Amex Blue Cash Preferred for groceries (6%) to maximize every major spending category.
Who Should Get the Costco Anywhere Visa Card?
- ✅ Active Costco members who shop there regularly
- ✅ Drivers who spend $200+ per month on gas
- ✅ People who dine out or travel frequently
- ✅ International travelers — no foreign transaction fees
- ✅ Anyone wanting a no-annual-fee Visa with strong rewards
- ❌ Non-Costco members — membership required
- ❌ People who want flexible cash redemption options
Frequently Asked Questions About the Costco Anywhere Visa Card by Citi
What is the Costco Anywhere Visa Card by Citi?
The Costco Anywhere Visa Card by Citi is the official Costco credit card, available exclusively to Costco members. It earns 4% on gas, 3% on travel and dining, 2% at Costco and 1% on everything else — with no annual fee beyond the Costco membership.
Can I use the Costco Anywhere Visa outside of Costco?
Yes. The Costco Anywhere Visa is a Visa Signature card accepted everywhere Visa is accepted worldwide — not just at Costco. You earn 3% on all restaurant and travel purchases anywhere.
How do I redeem my Costco Anywhere Visa rewards?
Rewards are paid once per year in February as a reward certificate. You can redeem it for cash back or merchandise at any US Costco warehouse. The certificate cannot be redeemed online or at Costco.com.
Does the Costco Anywhere Visa have a foreign transaction fee?
No. The Costco Anywhere Visa has no foreign transaction fees, making it a good travel companion for international trips — especially for dining (3%) abroad.
What credit score do I need for the Costco Anywhere Visa?
You generally need good to excellent credit (670+) to be approved for the Costco Anywhere Visa Card. A score of 720+ gives you the best approval odds.
⚠️ Disclaimer: This article is for informational purposes only and does not constitute financial advice. Credit card terms, rates and offers may change. Always verify current terms directly with the card issuer before applying. Best Card Guide may receive compensation when you click on links to products on this site.