Citi Costco Anywhere Visa
Visa cash back card with no annual fee. Earns 4% on gas and EV charging, up to $7,000 a year, 3% on restaurants and eligible travel, 1% on everything else.
Terms read from Citi's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Additional card
- No fee
- Foreign transaction fee
- None
- Purchase APR
- 18.99% to 26.99%
Rewards
- 4% on gas and EV charging, up to $7,000 a year
- 3% on restaurants and eligible travel
- 1% on everything else
Earns cash back.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $183 | $183 | $549 | Month 1 |
| Family | $648 | $648 | $1,944 | Month 1 |
| Frequent traveller | $904 | $904 | $2,711 | Month 1 |
Frequently asked questions
Is the Citi Costco Anywhere Visa worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $648 in year 1 and $648 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Citi Costco Anywhere Visa welcome bonus?
There's no welcome bonus on the issuer's page.
Does the Citi Costco Anywhere Visa charge foreign transaction fees?
No. It charges no foreign transaction fee.
What isn't counted in its value?
Needs an active Costco membership; the membership fee isn't counted. Gas earns 5% at Costco and 4% elsewhere; 4% is counted. 2% on other Costco purchases isn't modelled. Cash back comes once a year as a certificate redeemable at Costco.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.