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Annual fee No annual fee
โ˜…โ˜…โ˜…โ˜…โฏช 4.5How we rate

Reviewed by the editorial team

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Costco / Citi ยท Visa

Costco Anywhere Visa Card by Citi

โ˜… 4% on gas No Annual Fee Cash Back Gas & Commuting Store & Retail No Annual Fee

The standout here is fuel: strong cash back on gas (up to an annual spending cap) makes it a winner for high-mileage drivers, plus bonus dining and travel and Costco purchases. It has no separate annual fee, but you must keep a paid Costco membership, so factor that cost in. Rewards arrive once a year as a certificate redeemable at Costco, not monthly statement credit, which annoys people who want flexible cash. Past the gas cap the rate drops. Confirm the current cap on citi.com.

โŸณ Rates & fees verified June 2026 โ€” always confirm the current terms on the issuer's official site before applying.

Annual fee
No annual fee
Rewards rate
4% on eligible gas (up to $7k/yr), 3% dining & travel, 2% at Costco, 1% other
Welcome bonus
None
Intro APR
None
Regular APR
20.49%โ€“28.49% variable
Foreign transaction fee
None
Recommended credit
Good to Excellent (700+)
Best for
Costco members with high gas spending

What you earn

  • โœ“4% on gas
  • โœ“3% on dining and travel
  • โœ“No foreign purchase fee

๐Ÿ‘ Pros

  • + No annual fee as long as you're a Costco member
  • + Outstanding rewards on gas
  • + No foreign purchase fee

๐Ÿ‘Ž Cons

  • โ€“ You have to be a Costco member
  • โ€“ The yearly reward comes as a certificate you redeem at Costco

Can you get it?

  • โ–ธA current Costco membership
  • โ–ธCredit in the good-to-excellent range

Requirements are general guidance โ€” the issuer makes the final decision. Learn more about card requirements โ†’

Decided on the Costco Anywhere Visa Card by Citi?

Finish your application on Costco's own secure site.

Apply now โ†—

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