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Costco Anywhere Visa® Card by Citi review: Big savings for shoppers


Image of the Costco Anywhere Visa Card by CitiImage: Image of the Costco Anywhere Visa Card by Citi

235 reviews from Intuit Credit Karma members


Rating: 3 out of 5.

Editors’ take: The gas rewards rate is one of the best out there, but you’ll only receive your rewards once per year. Despite the strong features, it’s best for frequent Costco shoppers.

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Great for gas and EV charging

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Annual fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

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Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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47 years

Average age of members who matched this card or similar cards.

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Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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High cash back rates

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No annual fee

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No foreign transaction fees

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Redemption happens only once a year

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Requires a Costco membership

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No sign-up bonus

From our partner

Costco Anywhere Visa® Card by Citi

3.0 out of 5

From cardholders in the last year

See details, rates & fees

Costco Anywhere Visa® Card by Citi review

Updated February 23, 2024

This date may not reflect recent changes in individual terms.

Written by: Ben Luthi

Costco Anywhere Visa® Card by Citi: Core features to consider

The Costco Anywhere Visa® Card by Citi offers a lucrative mix of rewards rates on everyday expenses. The credit card also has some decent travel benefits. That said, the card is restrictive with rewards redemption. And while there’s a $0 annual fee, it isn’t free either.

Cash back rates

From the beginning, cardholders will find it easy to rack up cash back with the Costco Anywhere Visa® Card by Citi. Here’s what you’ll get.

That said, the card doesn’t offer a sign-up bonus for new cardholders — something a lot of other cash back cards have.

Membership requirement

The card doesn’t charge an annual fee, but you could say there’s an “unofficial” one because it requires that you have a Costco membership.

An annual membership for Costco costs $60 or $120, depending on which tier you want. If you’re going to shop at Costco and pay that fee regardless, it may not bother you. But if you’re paying the annual membership fee just to carry the card, it may not be worth it.

Rewards redemption

Unlike other top cash back credit cards that may allow you to redeem your hard-earned rewards once you hit a set amount — or even whenever you want — this card only pays out your cash back once a year.

And instead of getting a statement credit or a direct deposit to your checking account, you’ll receive a rewards certificate, which you can redeem for cash or merchandise at Costco warehouses in the U.S.

These extra hoops may make some cash back enthusiasts run the other direction. But if you don’t mind waiting and letting your rewards pile up — and don’t mind the limited redemption options — it may not matter.

No foreign transaction fees

The Costco Anywhere Visa® Card by Citi doesn’t charge any foreign transaction fees, which is uncommon among many top cash back credit cards.

So whether you’re traveling domestically or abroad, this card is a worthy travel companion.

Other card details to know

Beyond the Costco Anywhere Visa® Card by Citi’s standout features, there are a few other things to know before you apply.

Who this card is good for

The Costco Anywhere Visa® Card by Citi is an excellent choice for loyalists of the wholesale club. And because the credit card is a Visa, you won’t have to worry about having the right card when you shop there.

It’s especially valuable for cardholders who spend a lot on gas, restaurants and travel, and who don’t want to worry about needing to make up for an annual fee.

Lastly, it can provide a lot of value for people who travel often, especially for those who spend time abroad.

Not sure this is the card for you? Consider these alternatives.

The Costco Anywhere Visa® Card by Citi can hold its own against the competition, but it’s not the best option for everyone. If you’re not sure whether it’s right for you, consider these alternatives.

Member reviews

Overall rating:


Rating: 3 out of 5.

235 reviews from Intuit Credit Karma members

Most helpful positive review

June 12, 2023


Rating: 5 out of 5.

Easy peezy

Credit Karma Member

Applied for this card with a 745 FICO score and got approved for $6700 cl.

Most helpful negative review

June 1, 2022


Rating: 1 out of 5.

Worst service of any credit card I’ve owned

Credit Karma Member

I have been a Citibank holder on other accounts for over ten years. I have never missed a payment on any credit card. I had a credit score of over 720 but when my overall utilization was about 40%, they lowered my CL from $16k to the balance on the card, which was $5k, during COVID. My credit score dropped as my utilization %age skyrocketed. I called service to get them to reconsider but they wouldn’t. Then when I paid the card off a year later, they lowered my CL to $0!!! What a joke. I canceled the card obviously.

All member reviews

*Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the card shown, or whether you meet certain criteria determined by the lender. Of course, there's no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don't meet the lender's "ability to pay standard" after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.