The Costco Anywhere Visa is a co-branded credit card that pairs Costco-member perks with Citi’s cash back structure.
It’s designed for shoppers who buy groceries and household items, but it also targets everyday categories like gas, dining, and travel.
This guide explains application process, the earning rules, and the key costs to know before you apply.
What the Costco Anywhere Visa is (and who can get it)
The card is officially called the Costco Anywhere Visa by Citi, and it’s available only to people with an active Costco membership.
If you do not currently have a membership, Costco and Citi direct you to join first, then apply.
In practical terms, this is a card built around Costco usage, but it still works anywhere Visa is accepted.
Costco Anywhere Visa® Business
The Costco Anywhere Visa® Business Card by Citi is a small-business credit card issued by Citi and co-branded with Costco.
It’s designed for business owners who already have a Costco membership and want to earn cash back rewards
Costco Anywhere Visa benefits: how the cash back works
The benefits are mainly tied to its cash back categories:
- 5% on gas at Costco and 4% on other eligible gas and EV charging, on a combined $7,000 per year, then 1% after that cap.
- 3% on restaurants and eligible travel (including Costco Travel).
- 2% on other Costco and Costco.com purchases.
- 1% on all other purchases.
Rewards categories depend on how merchants are coded (merchant category codes), which Citi notes can affect whether a purchase earns a higher rate.
Cash back is typically issued as an annual reward certificate after the February billing statement closes
It’s generally redeemable for cash or merchandise at U.S. Costco warehouses.
| Feature | Costco Anywhere Visa® Card by Citi (Personal) | Costco Anywhere Visa® Business Card by Citi |
|---|---|---|
| Best fit | Personal / household spending | Business spending (small business use) |
| Costco membership required | Yes — must have a current Costco membership in your name | Yes — must have a current Costco membership in your name |
| Authorized users | Add authorized users at no cost | Add authorized users at no cost, but employees added as authorized users must each have a Costco membership in their own name |
| Cash back structure | 5% gas at Costco + 4% other eligible gas/EV charging (combined $7,000/yr, then 1%); 3% restaurants + eligible travel; 2% Costco/Costco.com; 1% other | Same cash back structure and same $7,000/yr gas/EV cap |
| Rewards redemption timing | Annual reward certificate after February statement closes; redeemable for cash or merchandise at U.S. Costco warehouses (incl. PR) | Annual reward certificate after February statement closes; redeemable for cash or merchandise at U.S. Costco warehouses |
| Notable protections (examples) | Citi notes benefits like damage/theft protection and car rental coverage on the card’s FAQ | Citi highlights damage/theft protection and Citi Quick Lock in the business card FAQ |
Fees and interest rates to know before you apply
The Costco Anywhere Visa is marketed with no annual fee with a paid membership, and also highlights no foreign transaction fees.
The bigger cost is interest if you carry a balance.
- Variable APR for purchases (and certain plans): 18.74%–26.74%, based on creditworthiness.
- Variable APR for cash advances: 28.74%.
- Variable penalty APR: up to 29.99% if you pay late or a payment is returned.
- Fees noted include a cash advance fee (either $10 or 5%, whichever is greater) and a balance transfer fee (either $5 or 5%, whichever is greater).
Because APRs are variable, the exact rate can change over time with the Prime Rate and your account terms.
Costco Anywhere Visa application: how to request your card
You must have an active/paid Costco membership in your name before you can apply for the card.
Costco’s customer service guidance points applicants to apply online through Costco’s credit card flow.
You must provide your membership number, personal and contact info, annual income and mortgage, and accept terms.
Costco notes you can apply at a local warehouse membership counter and ask for an application or a call-to-apply number: 1-800-970-3019.
Is Costco Anywhere Visa worth it?
The answer usually comes down to how much you spend in the bonus categories and whether you can pay your statement balance in full.
It tends to make more sense if
You already pay for a Costco membership and shop there regularly for 2% earnings on Costco purchases.
Your budget includes meaningful spending on gas/EV charging, restaurants, or eligible travel, where the rates are higher.
It may be less compelling if
You rarely use Costco gas or don’t spend much in dining/travel, because a large share of your spending may earn 1%.
You expect to carry a balance, because the purchase APR range is significant and can erase cash back value quickly.
A simple rule
If you pay in full and your spending matches the bonus categories, the rewards structure is easier to justify.
If you carry balances, interest can overwhelm the rewards.
Citi / Costco contact details: phone numbers and addresses
Consumer cards: 1-855-378-6467
Business cards: 1-855-378-6468
Mailing address (Citi corporate address); Citi, 388 Greenwich Street, New York, NY 10013 (U.S.A.)
Costco Consumer and Costco Small Business, PO Box 790046, St. Louis, MO 63179-0046
Conclusion
The Costco Anywhere Visa is built for members who want cash back on gas/EV charging, dining, travel, and Costco purchases.
The card is easiest to justify when your spending matches the bonus categories and you avoid interest by paying your balance in full each month.
If you’re ready, follow the application steps and confirm the current APR and terms on the pricing page before you submit.
Disclaimer: This article is for general informational purposes and is not financial advice. Credit card terms—including APRs, fees, and rewards rules—can change, and your actual rates depend on creditworthiness and the issuer’s approval decision. Always review the official Costco and Citi disclosures and your cardmember agreement before applying or using the card.
