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The Costco Anywhere Visa® Card by Citi is a highly rewarding cashback card tailored for Costco members.
Its elevated rewards structure and no-annual-fee model make it an excellent choice for individuals who want to maximize value on everyday purchases.
The Costco Anywhere Visa card offers 4% cashback on eligible gas purchases, 3% on restaurants and travel, 2% at Costco, and 1% on other purchases.
It has no annual fee with a Costco membership and provides additional benefits like fraud protection and extended warranty coverage, making it ideal for frequent shoppers.
Costco Anywhere Visa
4% cash back No annualHow Does the Costco Anywhere Visa Card Work?
The Costco Anywhere Visa Card rewards cardholders with elevated cashback rates across several categories. You’ll earn:
- 4% cashback on eligible gas purchases, up to $7,000 annually (then 1%).
- 3% cashback on dining and travel.
- 2% cashback on purchases made at Costco and Costco.com.
- 1% cashback on all other purchases.
These rewards make it one of the most competitive cashback cards available, especially for Costco members who frequently spend on gas, dining, and travel.
The rewards are distributed annually as a rewards certificate, redeemable at Costco warehouses or online.
While the annual redemption may limit flexibility, it aligns perfectly with regular Costco shopping habits.
Additionally, the card charges no foreign transaction fees, making it a practical option for international travel.
With no annual fee for Costco members, the card delivers significant value without extra costs.
Main Benefits for the Costco Anywhere Visa Card
The Costco Anywhere Visa Card offers several key benefits that make it a standout choice for loyal Costco members. Its elevated rewards on gas, dining, travel, and Costco purchases provide consistent value for everyday spending.
The 4% cashback on eligible gas purchases (up to $7,000 annually) ensures significant savings for frequent drivers, while the 3% cashback on dining and travel makes it a versatile option for those who enjoy eating out or exploring new destinations.
The 2% cashback on Costco purchases aligns perfectly with the habits of loyal Costco shoppers, ensuring that your membership pays off even more.
Additionally, the card’s lack of a foreign transaction fee makes it a reliable companion for international use.
With no annual fee for Costco members, the card remains an affordable and practical choice for maximizing everyday rewards.
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Cons for the Costco Anywhere Visa Card
While the Costco Anywhere Visa Card offers exceptional rewards, it has some limitations. The 4% cashback on gas purchases is capped at $7,000 annually, which may restrict rewards potential for high spenders in this category.
Additionally, rewards are distributed annually as a certificate redeemable only at Costco, limiting flexibility for those who prefer monthly or direct cashback options.
The card also requires a Costco membership, which may not appeal to individuals who are not regular Costco shoppers.
Despite these drawbacks, the card’s elevated rewards and alignment with Costco membership make it an excellent choice for loyal Costco customers.
APR and Fees
The Costco Anywhere Visa Card has no annual fee for Costco members, making it a cost-effective option for earning rewards.
The card includes a competitive APR based on creditworthiness, so paying off balances in full each month is recommended to avoid interest charges.
Additionally, the card charges no foreign transaction fees, making it a practical option for international travel.
How to Apply for the Costco Anywhere Visa Card
Applying for the Costco Anywhere Visa Card is straightforward. Follow these steps:
- Visit the Website: Go to Citi’s official website or the Costco membership portal and locate the Costco Anywhere Visa Card application page. Click “Apply Now” to begin.
- Provide Your Information: Enter your personal details, including your name, address, Social Security number, and income.
- Verify Membership: Provide your Costco membership number, as the card is only available to active Costco members.
- Submit Your Application: Review your information carefully and submit the application. Many applicants receive a decision quickly.
- Activate Your Card: Once approved, your card will arrive within 7–10 business days. Activate it and start earning rewards immediately!
The Costco Anywhere Visa Card is an excellent option for Costco members who want to maximize rewards on everyday spending.
Its elevated cashback rates on gas, dining, travel, and Costco purchases, combined with no annual fee and no foreign transaction fees, make it one of the most rewarding cards for loyal Costco shoppers.
While the annual rewards redemption and membership requirement may limit its appeal to some, its exceptional value for everyday spending makes it a top choice for those who frequently shop at Costco.
For anyone looking to enhance their Costco membership benefits, the Costco Anywhere Visa Card is a must-have.
