Easy to apply, online or in-person. I applied in-person, had a credit score of 793, and was approved instantly for a credit limit of ~15%/income level. Rewards make this card worth it for me - major caveat is that the rewards can only be redeemed at Costco. Not a problem personally, but may be for others.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 15.99%* Variable
- Annual Fee $0
- Purchase Intro APR 0%*
- Purchase Regular APR 15.99%* Variable
The Costco Anywhere Visa® Card by Citi offers impressive rewards for Costco members.
What to Like
The rewards here are pretty great, highlighted by 4% cash back on gas purchases (up to $7,000 in purchases each year). Cardholders also get 3% cash back on restaurant and eligible travel purchases, 2% on other Costco purchases and 1% on all other purchases. To top it off, there’s no annual fee besides the cost of your Costco membership.
Look Out For
To get this card, you have to be a Costco member, which of course comes with an annual fee. There’s also a foreign transaction fee and a high penalty APR that could apply if you miss a payment.
Most Helpful Positive Review
Most Helpful Negative Review
Costco Citi Card Sucks! Their customer service is terrible. They repeatedly push you back to the the vendor even though the account error is made by Citi. We have had to deal with Citi customer service more often in the short time since Costco switched to them then we ever had to with American Express. Transaction reversals are repeatedly left on the account even though the vendor reverses them immediately. Citi refuses to address them telling us to contact the vendor. They give conflicting answers regarding the reversals, sometimes saying that they will disappear in 30 days, sometimes saying that if the vendor doesn't correct them the charges will go through even though the vendor dealt with the reversal immediately. Their web interface is much less capable than that of American Express regarding transaction info and reporting. PLEASE COSTCO, DUMP CITI AND GO TO ANOTHER MORE FRIENDLY CARD COMPANY!
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.