Anúncios
The Costco Anywhere Visa® Card by Citi is a co-branded cash-back card for Costco members who want to maximize rewards on gas, travel, dining, and Costco purchases without paying an additional annual fee. It earns 5% cash back on gas purchased at Costco warehouses and 4% on other eligible gas and EV charging on up to $7,000 in combined annual spending, then 1% afterward. You also earn 3% cash back at restaurants and on eligible travel—including Costco Travel—2% on purchases from Costco and Costco.com, and 1% on all other eligible purchases. Rewards accumulate over the calendar year and are issued as an annual reward certificate each February, redeemable for cash or merchandise at U.S. Costco warehouses. The card has no foreign transaction fees and includes travel and purchase protections such as rental car insurance, travel assistance, accident insurance, roadside dispatch, and damage/theft purchase protection.
Main Advantages
- Excellent Gas Rewards for Costco Members: Earn 5% on gas at Costco and 4% on other eligible gas and EV charging up to $7,000 per year.
- Strong Travel and Dining Earning: Earn 3% on restaurants and eligible travel expenses, including airfare, hotels, and Costco Travel bookings.
- 2% Back on Costco Purchases: Earn 2% on Costco and Costco.com purchases—valuable for families and bulk shoppers.
- No Annual Fee with Paid Costco Membership: Keep the card without extra cost as long as you maintain an active Costco membership.
- No Foreign Transaction Fees + Solid Protections: Includes worldwide rental car coverage, travel assistance, purchase protections, and more.
Main Drawbacks
- Requires a Paid Costco Membership: You must maintain an active membership to get and keep the card.
- Rewards Paid Only Once a Year: Cash back is issued annually, reducing flexibility compared to monthly redemption cards.
- Limited Cash Redemption Flexibility: Certificates must be redeemed in a single transaction; only larger amounts may qualify for ACH cash-out.
- Gas Rewards Capped at $7,000 Per Year: After reaching the combined $7,000 cap, gas and EV charging earnings drop to 1%.
- Best Value for Costco-Centric Spending: If you rarely shop at Costco or don’t spend heavily on gas, dining, or travel, a general cash-back card may yield better value.
How to Apply
- Confirm your Costco membership: Ensure you have an active, paid Costco membership, as it is required for the card.
- Review current terms and benefits: Check the official Costco Anywhere Visa® Card page for the latest APR, reward structure, fees, and protections.
- Assess your spending patterns: Estimate your annual gas, dining, travel, and Costco spending to evaluate potential rewards.
- Check your credit profile: This card typically targets applicants with good to excellent credit.
- Gather necessary information: Prepare your SSN, income, housing status, monthly housing payment, and contact details.
- Submit your application: Apply online through Citi or in-warehouse via a Costco representative, reviewing disclosures before submitting.
- Activate and start using the card: After approval, activate your card, set up online access, enable alerts, and begin using it for Costco and category-earning purchases.
For committed Costco members who drive frequently and appreciate strong travel and dining rewards, the Costco Anywhere Visa® Card by Citi can be a powerful extension of an already valuable membership. Instead of earning modest rewards spread thinly across every category, you get concentrated value where it often matters most: gas at Costco, other gas and EV charging, restaurants, travel, and purchases from Costco and Costco.com. The absence of a stand-alone card annual fee and the lack of foreign transaction fees make it easy to keep in your wallet as a long-term workhorse, especially if you travel internationally or simply prefer not to worry about extra fees when shopping abroad.
The card is not for everyone. If you rarely visit Costco, prefer immediate access to cash-back redemptions, or want premium perks like airport lounge access, another product will likely fit better. But if your lifestyle already revolves around filling the car at Costco, stocking the pantry from warehouse aisles and taking occasional trips that you’d like to make more affordable, this card aligns closely with your real-world spending. The next logical step is to look at your last few months of gas, grocery, dining, travel and Costco receipts, estimate how much cash back you could have earned under the Costco Anywhere structure, and compare that to your current rewards setup. If the numbers show a clear upside—and you value the added travel protections and perks—applying for the Costco Anywhere Visa® Card by Citi can turn your existing membership into a bigger financial win every year.
