Citi
Costco Anywhere Visa Business
No annual fee · Earns Cash Back
A no-annual-fee business Visa for Costco members that earns 5% back on gas at Costco, 4% on other gas and EV charging (on the first $7,000 a year combined), 3% on restaurants and eligible travel, and 2% at Costco. It suits small businesses that buy fuel, travel and stock up at Costco.
- 5%Gas
- 3%Restaurants +1
- 2%Costco +1
Maintained by Creddy Editorial · Catalog checked Oct 19, 2026
Costco Anywhere Visa Business at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Citi
- Rewards:
- Cash Back
Costco Anywhere Visa Business Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Gas | 5% | |
| Dining | 3% | |
| Travel general | 3% | |
| Everything else | 1% |
Who Should Get the Costco Anywhere Visa Business?
The Costco Anywhere Visa Business fits people who spend most on gas (5%) and dining (3%). It has no annual fee, so it costs nothing to keep. It is a business card.
Is the Costco Anywhere Visa Business Worth It?
The Costco Anywhere Visa Business 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 Business Statement Credits and When They Reset
- Annual Credit Card Reward Certificate
Cash back is issued once a year as a credit card reward certificate after your February billing statement closes. Redeem it for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.
Checked Oct 19, 2026
Costco Anywhere Visa Business Travel Benefits
Travel Benefits
- Roadside Assistance Dispatch Service
If you have car trouble in the United States, Puerto Rico or the U.S. Virgin Islands, Citi will send help to your location. You pay for any services provided.
Checked Oct 19, 2026
Rental Car
- Worldwide Car Rental Insurance
May cover theft or damage to a rental car when you pay for the rental with your Citi card and decline the rental company's collision loss/damage insurance.
Checked Oct 19, 2026
Travel Insurance
- Travel and Emergency Assistance
Get help 24/7 before or during a trip with emergency travel arrangements, travel issues and more. Referrals and assistance are free, but you pay for any services you use.
Checked Oct 19, 2026
More Costco Anywhere Visa Business Card Benefits
Bonus Earnings
- 5% Cash Back on Gas at Costco5%
Earn 5% cash back on gas purchased at Costco warehouse locations worldwide. The 5% and 4% rates share a combined $7,000 in gas and EV charging purchases per year, then earn 1%.
Checked Oct 19, 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. The 5% and 4% rates share a combined $7,000 in gas and EV charging purchases per year, then earn 1%.
Checked Oct 19, 2026 - 3% Cash Back on Restaurants and Eligible Travel3%
Earn 3% cash back at restaurants, including cafes, bars, lounges and fast food, and on eligible travel worldwide such as airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. Some purchases earn only 1%, including certain bakeries, department store restaurants, grocery or warehouse clubs, timeshares, campgrounds, bed and breakfasts, and train and commuter travel.
Checked Oct 19, 2026 - 2% Cash Back on Costco and Costco.com Purchases2%
Earn 2% cash back on all other purchases from Costco warehouses and Costco.com. There is no limit on the cash back you can earn.
Checked Oct 19, 2026 - 1% Cash Back on All Other Purchases1%
Earn 1% cash back on all other purchases, including purchases that do not qualify for a higher rate. There is no limit on the cash back you can earn.
Checked Oct 19, 2026
Purchase Protection
- Damage and Theft Purchase Protection
May cover repairs or reimbursement if purchases made with your Citi card are damaged or stolen within 120 days of purchase or delivery (90 days for New York residents).
Checked Oct 19, 2026
Entertainment
- Citi Entertainment Access
Get special access to buy tickets to thousands of events, including presale tickets and exclusive experiences at concerts, sporting events, and arts and culture events.
Checked Oct 19, 2026
Fees & Miscellaneous
- No Annual Fee
The card has no annual fee with a paid Costco membership, and there is no fee for authorized users. A current Costco membership in your name is required to apply.
Checked Oct 19, 2026 - No Foreign Transaction Fees
The card charges no fee on foreign purchases, whether you buy abroad or online from a merchant outside the U.S.
Checked Oct 19, 2026 - Free Access to FICO Score
View your FICO Score for free online to review your credit history.
Checked Oct 19, 2026
Costco Anywhere Visa Business vs Other Citi Cards
- AAdvantage Business World Elite$99 / yr (waived year 1)
- AAdvantage MileUpNo annual fee
- AT&T Points PlusNo annual fee
- Citi Diamond PreferredNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Costco Anywhere Visa Business FAQs
What is the Costco Anywhere Visa Business annual fee?
No annual fee