Costco Anywhere Visa Review: Bulked-Up Savings for Members

Costco members can turn their everyday spending on gas, travel and dining out into rich rewards at the wholesale club, but you won't get big discounts at the store itself.
Sep 20, 2021

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Our Take


NerdWallet rating 
The bottom line:

Costco loyalists can rack up some nice rewards with this card, but you'll only be able to redeem them once a year — and you'll have to go to a physical Costco store to do it.

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Citibank Costco-Anywhere Visa Card Credit Card
Annual fee
Regular APR
17.49% Variable APR
Intro APR
Rec. credit score
720-850 (Excellent)
Apply now

on Citibank's application


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Frequently asked questions

Yes. The Costco Anywhere Visa® Card by Citi can be used anywhere that accepts Visa, not just at Costco.

There's no annual fee for the card, but you must be a Costco member to apply, and membership starts at $60 a year.

Yes. You must be a Costco member to get the Costco Anywhere Visa® Card by Citi. Since rewards are redeemable only at Costco, there wouldn't be much of a benefit for nonmembers to get the card.

You apply for the credit card separately from signing up for a membership. You don't get the card automatically for becoming a member, nor do you get free membership as a perk of the card.

You earn 4% cash back on gas purchases (at Costco as well as other gas stations) on up to $7,000 in gas spending per year (1% after that); 3% cash back on restaurants and most travel purchases; 2% back at Costco and; and 1% cash back on all other purchases.

You have to go to a Costco store to claim your rewards, but you don't have to spend them there.

With the Costco Anywhere Visa® Card by Citi, you receive your rewards once a year through a certificate that comes with your February billing statement. (It will come by email if you’ve signed up for paperless statements.) You must bring the certificate to a Costco location before the end of the year, where you can redeem the rewards for Costco purchases — or for cash.

You must have excellent credit to get approved for the Costco Anywhere Visa® Card by Citi. That generally means a credit score of 720 or above.

If you want rewards that are more flexible than Costco rewards, see our top picks for best gas credit cards.