Costco Anywhere Visa by Citi
Citi · Cashback review
Costco members who drive a lot — 4% cash back on gas and EV charging at any station (up to $7,000/yr), plus 3% on restau
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at citi.com
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of July 8, 2026
Best for
Costco members who drive a lot — 4% cash back on gas and EV charging at any station (up to $7,000/yr), plus 3% on restaurants and eligible travel and 2% at Costco. There's no card-level annual fee if you're already a member.
Not for
Non-members (a paid Costco membership is required to hold the card) and anyone who wants flexible rewards — cash back is paid once a year as a certificate redeemable at Costco, not as an ongoing statement credit.
The catch
Rewards come as a single annual certificate each February, redeemable in-warehouse — not monthly cash. And the 4% gas rate stops at $7,000 of annual gas/EV spend, dropping to 1% after. The card is only as good as your Costco relationship.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- Variable APR — verify current range at citi.com
- Foreign transaction fee
- None
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Frequently asked
Does the Costco Anywhere Visa by Citi charge an annual fee?
No. The Costco Anywhere Visa by Citi carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Costco Anywhere Visa by Citi charge?
Variable APR — verify current range at citi.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Costco Anywhere Visa by Citi charge foreign transaction fees?
No. The Costco Anywhere Visa by Citi has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Costco Anywhere Visa by Citi best for?
Costco members who drive a lot — 4% cash back on gas and EV charging at any station (up to $7,000/yr), plus 3% on restaurants and eligible travel and 2% at Costco. There's no card-level annual fee if you're already a member.
Who should skip the Costco Anywhere Visa by Citi?
Non-members (a paid Costco membership is required to hold the card) and anyone who wants flexible rewards — cash back is paid once a year as a certificate redeemable at Costco, not as an ongoing statement credit.
How did ClearValue score the Costco Anywhere Visa by Citi?
Costco Anywhere Visa by Citi scored 81/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
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