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Costco Anywhere Visa® Card by Citi


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

221 reviews from Intuit Credit Karma members


Rating: 3 out of 5.
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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: November 1, 2023

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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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45 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.

Card highlights

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High cash back rates

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No annual fee

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No foreign transaction fees

Costco Anywhere Visa® Card by Citi review

Updated September 13, 2022

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.

Member reviews

Updated: November 7, 2023

Overall rating:


Rating: 3 out of 5.

221 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

February 11, 2022

Rating: 1 out of 5.

Near Zero Consumer Protection

Credit Karma Member

The card is great because it works at Costco, outside of that, I cannot stress enough: User beware. We are NOT the sort to trigger disputes often, hardly ever in fact. But when it's for larger purchases and the merchant does not deliver AND refuses to work with us, then we have to turn to the infamous "chargeback". We had close to 400 pages of documentation when disputing including their guarantee as well as the merchants irrational responses. The case was VERY clear we were in the right. They waived it off with virtually zero explanation and refused to look into it further. $14K down the drain. Thanks Citi card. Great job protecting your customers. With over $420K put on the card in 2021 I think we have a pretty solid standing to review like this

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.