Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.
Rates, fees & offers
APR: 16.74% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 26.74%, Variable
Balance transfer fee
3% of each balance transfer; $5 minimum.
Foreign transaction fee
Recommended credit score
Not sure which card is best for you?
Editor's overall rating
Pros and cons
Bonus cash back categories
No annual fee
High rewards rates in certain categories
Can use card as Costco membership ID
Requires excellent credit
Needs Costco membership to qualify
Rewards redeemable once a year and only at Costco
The Costco Anywhere Visa® Card by Citi can indeed be used anywhere, not just at Costco, and it offers high rewards rates across a wide variety of categories, especially on gas purchases.
Its annual fee is $0, but you must be a Costco member to get the card — and that requires a yearly membership fee.
With the card, you’ll earn:
-4% cash back on gas purchases (both at Costco and other gas stations) on up to $7,000 of spending a year, then 1% back.
-3% cash back on restaurants and most travel purchases.
-2% cash back at Costco and Costco.com.
-1% cash back on all other purchases.
Rewards can be redeemed only once a year, and only inside a physical Costco store.
For more information, visit our full review.
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