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Gas, travel and Costco purchases with no foreign transaction fees
5% Cash Back on Gas at Costco
Earn 5% cash back on gas at Costco warehouses worldwide, up to $7,000 combined gas and EV charging per year, then 1%.
4% on Other Gas and EV Charging
Get 4% cash back on eligible non-Costco gas and EV charging, sharing the same $7,000 annual cap with Costco gas before rewards drop to 1%.
3% on Restaurants and Eligible Travel
Earn 3% cash back at restaurants and on eligible travel purchases, including Costco Travel, airfare, hotels, cruises and car rentals.
2% at Costco and Costco.com, 1% Everywhere Else
Receive 2% cash back on purchases from Costco and Costco.com and 1% cash back on all other eligible purchases.
How the Costco Anywhere Visa® Card Turns Membership Into Year-Round Cash Back
The Costco Anywhere Visa® Card by Citi is designed specifically for active Costco members who want to squeeze more value out of their warehouse runs, fuel stops and travel plans. Instead of a simple flat cash-back structure, the card focuses on the categories where Costco shoppers often spend the most. At the top of the rewards ladder, you earn 5% cash back on gas purchased at Costco warehouse locations worldwide and 4% on other eligible gas and EV charging, for a combined $7,000 in spending per year across both categories. Once you pass that threshold, gas and EV charging purchases continue to earn 1% cash back for the rest of the year, so you always get something back on every tank you fill.
Dining and travel are the next big focus. Cardholders earn 3% cash back at restaurants and on eligible travel purchases, including airfare, hotel stays, car rentals, cruises, travel agencies and Costco Travel. That means a single card can cover everything from your weekly dinners out to a full vacation package booked through Costco’s travel portal. If you spend regularly on eating out or travel a few times a year, this 3% tier can add up quickly, especially combined with the gas rewards.
Inside the warehouse and online, the card pays 2% cash back on purchases from Costco and Costco.com, so your bulk grocery runs, electronics upgrades and household staples deliver more value than just the member savings at the register. Everything else earns 1% cash back. Rather than posting monthly as bank-account deposits, your rewards accumulate and are issued once a year as a Costco credit card reward certificate that appears on your February billing statement. You can redeem that certificate for cash or merchandise in one transaction at U.S. Costco warehouses, including Puerto Rico, through December 31 of that year; cardholders with at least $300 in rewards may also be able to redeem via ACH deposit, giving heavy Costco users a flexible cash-back payout.
On the cost side, there is no annual fee for the card as long as you maintain a paid Costco membership in your name. The card carries a variable APR range, currently around the high-teens to mid-20s for purchases, depending on your credit profile, with higher rates for cash advances and a potential penalty APR if you pay late. There are no foreign transaction fees, which makes the card attractive for international travel or shopping with foreign merchants. Since it runs on the Visa network, you also get wide acceptance both inside and outside Costco, turning your membership-linked card into a solid all-around option for everyday spending.
Turn Your Costco Membership Into a High-Value Cash-Back Engine
If you are already paying for a Costco membership and regularly filling your cart, your gas tank and your travel calendar, the Costco Anywhere Visa® Card by Citi can transform those habits into a concentrated stream of rewards. Instead of earning a flat 1% or 1.5% across the board, you capture 5% on Costco gas and 4% on other eligible gas and EV charging (up to $7,000 combined per year), which alone can justify adding the card if you commute, road-trip or simply drive a lot. Add 3% back on restaurants and eligible travel and 2% on Costco and Costco.com purchases, and you have a rewards profile sharply aligned with how many Costco households actually spend. The fact that all of this comes with no additional annual fee beyond your existing membership means you do not have to worry about “earning back” a card fee every year.
The once-a-year reward certificate format makes your cash back feel like a meaningful payout instead of a trickle. For some cardholders, that February certificate becomes an easy way to fund a large warehouse run, stock up on seasonal items, or take a cash redemption at the register. If you generate at least $300 in rewards and are eligible for ACH deposit, you can even turn your year of spending into a direct boost to your bank account, which can be especially satisfying if you have intentionally funneled gas, travel and dining through the card. With no foreign transaction fees and Visa’s global acceptance, the card also serves as a capable travel companion, earning elevated cash back on flights, hotels and Costco Travel bookings while avoiding the extra costs that many non-travel cards tack onto foreign purchases.
Beyond rewards, the built-in protections and extras matter more than many people realize. Worldwide car rental insurance can save money at rental counters; damage and theft purchase protection helps when a new purchase is stolen or damaged shortly after you buy it; and travel and emergency assistance, travel accident insurance and roadside dispatch can provide relief when things go wrong away from home. Citi Entertainment and Citi’s account-protection tools add lifestyle and security perks on top of the raw cash back. As long as you pay your balance in full each month to avoid interest charges, the Costco Anywhere Visa® Card can be a powerful way to make your existing Costco membership and everyday lifestyle work harder for you. If your budget matches its gas, travel, dining and Costco-centric strengths, it can easily earn a spot as one of your main cards.