Costco Anywhere Visa Business Card by Citi

Earning Rates

Key Benefits

All Benefits

• 5% cash back on eligible gas purchases at Costco Gas Stations (and at Costco Gas Stations in Puerto Rico) on up to $7,000 per year in combined gas / EV charging spend, then 1% thereafter
• 4% cash back on eligible gas and EV charging purchases worldwide (excluding Costco) on up to the same $7,000 combined annual cap with the 5% Costco gas bucket; 1% after the cap is reached
• 3% cash back on restaurants and eligible travel purchases worldwide, including Costco Travel
• 2% cash back on all other purchases from Costco and Costco.com (in addition to the Costco Travel 3% bucket)
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership (Costco Gold Star $65/year or Executive $130/year is required to hold the card)
• No foreign transaction fees on purchases made outside the United States
• Cash back is paid once per year as an annual Costco Reward Certificate issued after your February billing statement closes; redeemable for cash or merchandise at U.S. Costco warehouses (including Puerto Rico)
• No cap on total annual cash back earned
• Card doubles as your Costco membership card (photo ID on the card face for warehouse entry)
• Damage and Theft Purchase Protection: covers eligible purchases against damage or theft for 120 days from purchase, subject to terms and per-claim / per-account limits
• Worldwide Car Rental Insurance (secondary in the U.S., primary outside the U.S.) when you charge the full rental to the card and decline the rental company's CDW
• Worldwide Travel Accident Insurance when the full fare is charged to the card
• Trip Cancellation and Interruption Protection (Citi-administered; benefit booklet defines covered reasons and reimbursement caps)
• Citi Quick Lock to instantly disable the card from the Citi Mobile app or citi.com if it goes missing
• Free FICO Score access through the Citi online account and Citi Mobile app
• 24/7 Citi customer service and $0 liability on unauthorized charges
• Citi Entertainment access to presale tickets and special experiences for concerts, sporting events, dining, etc.
• Visa Signature Business benefits including extended warranty (matches manufacturer's warranty up to 24 additional months on eligible warranties of 3 years or less, per Visa benefit guide)
• Add Employee Cards at no additional cost; employee spend earns the same category rates and posts to the master account for consolidated billing and rewards
• Business reporting: account activity reports to business credit bureaus (Citi business cards typically report payment performance to D&B / SBFE rather than personal credit bureaus, helping separate business credit history); verify with Citi at application as practices have shifted over time
• Year-end summary of charges available through the online account for bookkeeping and tax prep
• Not Offered: no signup / welcome bonus (Citi has not run a public welcome offer on the Costco Business Visa)
• Not Offered: cash back is not redeemable as a statement credit on demand and is not redeemable for travel directly through Citi; redemption is locked to the annual Reward Certificate at Costco warehouses
• Not Offered: rewards do not transfer to airline or hotel partners (this is a fixed-value cash-back card, not a Citi ThankYou Points card)
• Not Offered: no airport lounge access, no Global Entry / TSA PreCheck credit, no Priority Pass membership
• Not Offered: no cell phone protection (Chase Ink Business Preferred, Ink Business Cash, US Bank Triple Cash, and Wells Fargo business products carry this; Costco Business does not)