Citi
Costco Anywhere Visa Benefits, Credits & Annual Fee
No annual fee · Earns Cash Back
A no-annual-fee cash-back card for Costco members that earns up to 5% back on gas, 3% on restaurants and travel, and 2% at Costco. Best for frequent Costco shoppers who also spend on gas and dining.
- 5%Gas
- 3%Restaurants +1
- 2%Costco +1
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Costco Anywhere Visa at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Citi
- Rewards:
- Cash Back
Costco Anywhere Visa Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Gas | 5% | |
| Dining | 3% | |
| Travel general | 3% | |
| Everything else | 1% |
Who Should Get the Costco Anywhere Visa?
The Costco Anywhere Visa fits people who spend most on gas (5%) and dining (3%). It has no annual fee, so it costs nothing to keep.
Is the Costco Anywhere Visa Worth It?
The Costco Anywhere Visa has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Costco Anywhere Visa Statement Credits and When They Reset
- Annual Credit Card Reward Certificate
Earn cash back throughout the year, which gets issued as a single reward certificate after your February billing statement closes. Redeem it for cash or merchandise at any U.S. Costco Warehouse, including Puerto Rico. The certificate cannot be redeemed online or at non-Costco locations.
Checked Jul 4, 2026
Costco Anywhere Visa Travel Benefits
Travel Benefits
- Roadside Assistance Dispatch Service
Dispatches roadside help - such as a tow truck or locksmith - directly to your location when you have car trouble. Available in the United States, Puerto Rico, and the U.S. Virgin Islands. You are responsible for the cost of any services provided.
Checked Jul 4, 2026
Rental Car
- Worldwide Car Rental Insurance
Covers theft or damage to a rental car worldwide when you pay for the full rental with your card. To activate coverage, decline the rental company's collision or loss damage insurance at the counter. Personal liability and injury are not covered.
Checked Oct 7, 2026
Travel Insurance
- Travel & Emergency Assistance
Get 24/7 phone access to emergency travel help before or during any trip, including assistance with travel arrangements and urgent situations. The referral and coordination service is free, but you pay directly for any third-party services used, such as medical or transportation providers.
Checked Jul 4, 2026
More Costco Anywhere Visa Card Benefits
Bonus Earnings
- 1% Base Cash Back on All Other Purchases1%
Any purchase that doesn't qualify for a higher cash-back category earns 1% back. There's no spending cap and no category restrictions - this rate applies automatically as your fallback on everyday spending.
Checked Jul 4, 2026 - 2% Cash Back on Costco and Costco.com Purchases2%
You earn 2% cash back on purchases made directly at Costco warehouse locations and on Costco.com. The rate applies automatically whenever you use the card in-store or online at Costco, with no spending cap.
Checked Jul 4, 2026 - 3% Cash Back on Restaurants and Travel3%
Earn 3% cash back at restaurants - including cafes, bars, and fast food - and on most travel purchases such as airfare, hotels, car rentals, and cruise lines. Some travel categories like commuter rail and campgrounds earn only 1%, so check the terms for exceptions.
Checked Oct 1, 2026 - 4% Cash Back on Other Gas and EV Charging4%
Earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases worldwide. Shares a combined $7,000 annual spend cap with 5% Costco gas; then 1%.
Checked Oct 2, 2026 - 5% High Cash Back on Gas at Costco5%
Gas purchased at Costco earns 5% cash back, while other eligible gas stations and EV charging earn 4%. Both rates apply to the first $7,000 in combined gas spending per year - any amount beyond that earns just 1% back.
Checked Jul 4, 2026
Purchase Protection
- Damage and Theft Purchase Protection
Covers repairs or reimbursement if an eligible purchase made with your card is damaged or stolen. File a claim within 120 days of purchase or delivery (90 days for New York residents). Coverage applies to items bought with your Citi card.
Checked Sep 26, 2026
Entertainment
- Citi Entertainment Access
Get special access to purchase presale tickets and attend exclusive experiences for concerts, sporting events, and arts and culture events. Use your Citi card to buy tickets through the Citi Entertainment portal before they go on sale to the general public.
Checked Jul 4, 2026
Fees & Miscellaneous
- Free Access to FICO® Score
View your FICO® credit score for free through your online Citi account to keep tabs on your credit health. The score is updated regularly and includes a summary of the key factors affecting it.
Checked Jul 4, 2026 - No Annual Card Fee
The card itself carries no annual fee. Keep in mind that an active, paid Costco membership is required to apply for and keep the card, so the cost of membership still applies.
Checked Jul 4, 2026 - No Foreign Transaction Fees
Pay no extra fees on purchases made outside the United States. This applies to all international transactions charged to your card, whether in-person or online with a foreign merchant.
Checked Jul 4, 2026
Costco Anywhere Visa vs Other Citi Cards
- AAdvantage MileUpNo annual fee
- AT&T Points PlusNo annual fee
- Citi Diamond PreferredNo annual fee
- Citi Double CashNo annual fee
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Costco Anywhere Visa FAQs
Is the Costco Anywhere Visa worth the annual fee?
Compare Costco Anywhere Visa's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Costco Anywhere Visa?
Creddy's September 26, 2026 catalog lists 4% Cash Back on Other Gas and EV Charging for Costco Anywhere Visa. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Citi. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Costco Anywhere Visa?
Citi lists a $0 card annual fee for Costco Anywhere Visa with an active Costco membership. Costco membership has a separate cost, so include it when comparing total expense. Checked September 26, 2026; confirm your current membership and account terms.
Does the Costco Anywhere Visa come with a welcome bonus?
Welcome offers for Costco Anywhere Visa can change and may depend on your application or account history. Check Citi's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Costco Anywhere Visa?
Costco Anywhere Visa may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Costco Anywhere Visa compare to other Citi cards?
Compare Costco Anywhere Visa with other Citi cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.