Costco Anywhere Visa® Card by Citi

Earn 4% cash back on gas (up to $7,000/year), 3% restaurants/travel, 2% Costco, 1% all else. No annual fee with Costco membership.

Last checked on June 8, 2026. We may earn a commission when you click through.

✓ Earn 4% cash back on gas (up to $7,000/year) ✓ 3% cash back on restaurants and travel ✓ No annual fee with Costco membership

Costco Anywhere Visa® Card by Citi

Visa · cashback

Our Verdict

The Costco Anywhere Visa® Card by Citi offers excellent cash back rewards for loyal Costco shoppers, particularly on gas and dining. However, its variable APR and limited bonus categories may not suit everyone.

What it really costs

Annual fee	No annual fee
APR Range	20.49% – 29.24%
Rewards4% gas (first $7k/yr), 3% restaurants/travel, 2% Costco, 1% all other	4%
Minimum credit score	700

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Who it's for

Best for frequent Costco shoppers who value high cash back rewards on gas and dining expenses.

Watch out

Be cautious of the high variable APR, which could lead to significant interest charges if balances are not paid in full each month.

The good and the not so good

Earn 4% cash back on gas (up to $7,000/year)
3% cash back on restaurants and travel
No annual fee with Costco membership
2% cash back at Costco and Costco.com
Versatile rewards applicable everywhere Visa is accepted

Variable APR ranges from 21.24% to 29.99%
No sign-up bonus offered
Requires a Costco membership to avoid annual fees
Cash back rewards are capped in certain categories
May not be ideal for those who do not frequently shop at Costco

In-Depth Review

The Costco Anywhere Visa® Card by Citi stands out for its impressive cash back rewards, particularly for those who regularly fill up their gas tanks and dine out. With a robust 4% cash back on gas purchases (up to $7,000 annually), it is an attractive option for drivers. Additionally, the 3% back on restaurants and travel can enhance rewards for those who enjoy dining out or traveling. The 2% cash back on Costco purchases adds further value, especially for members who shop there frequently. However, potential applicants should consider the variable APR, which ranges from 21.24% to 29.99%. This can be a drawback for those who carry a balance, as it may result in high interest charges. The lack of a sign-up bonus and the necessity of a Costco membership to avoid an annual fee may also deter some consumers. In comparison to other cash back cards, this card is best suited for those who align with its reward structure and frequently shop at Costco. For casual users or those who do not often visit Costco, alternatives like the Chase Freedom Flex or Citi Double Cash may offer more flexible cash back opportunities.

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