Costco Anywhere Visa Card by Citi
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Earning Rates
Important considerations
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified May 2026.
Earning rates
4- 4%groceries
Earn 4% cash back on eligible gas and EV charging purchases worldwide for the first $7,000 in combined gas + EV charging spend per cardmember year, then 1% thereafter; eligible merchants include gas stations and EV charging stations, but exclude gas purchased at Costco gas stations (those earn 2% under the Costco purchases category), warehouse clubs other than Costco, supermarkets with fuel, convenience stores, and certain other non-gas-station merchants per the Citi card benefits guide
- 3%dining
Earn 3% cash back on restaurants worldwide (including takeout and eligible delivery services that code as restaurants) and on eligible travel purchases including Costco Travel, airfare, hotels, car rentals, cruise lines, travel agencies, and passenger railways, with no annual cap; this 3% tier is uncapped, unlike the gas/EV $7,000 cap
- 2%gas
Earn 2% cash back on all purchases from Costco and Costco.com (including Costco gas station fuel and Costco optical, pharmacy, food court, and tire center purchases when they ring up as Costco; also applies to Costco Travel purchases made through Costco, though Costco Travel may be claimed under the 3% travel category in some cases per Citi's terms, the higher rate applies)
- 1%everything else
Earn 1% cash back on all other purchases with no cap and no rotating categories; this is the base earning rate for anything not in the 4%/3%/2% buckets
Statement credits
1- Rewards are issued once per year as a single Costco Cash Reward Certificate that is mailed (or made available digitally) in February each year, reflecting all cash back earned in the prior calendar year February-to-January reward cycle; you cannot redeem rewards monthly, as statement credits, or as direct deposit, the annual certificate is the only redemption path
Perks & memberships
5- RedemptionActive Costco membership is required to redeem the certificate at a warehouse; if you let your Costco membership lapse, you cannot redeem your earned rewards, which makes the $65 Costco membership effectively a soft prerequisite for getting full value from the card
- No foreign feesNo foreign transaction fees on any purchase made outside the United States or in a foreign currency, making this a viable backup travel card for international spend (especially for gas, restaurants, and travel categories that earn 3-4%); confirmed on Citi's product page and across independent reviews
- ConciergeVisa Signature network benefits: requires a minimum credit line of $5,000 (Visa Signature tier on the Costco Anywhere Visa); benefits include access to the Visa Signature Luxury Hotel Collection (room upgrades when available, complimentary breakfast for two, complimentary Wi-Fi, $25 food/beverage credit, and late checkout when available), Visa Signature Concierge service (24/7 by phone), and access to special offers via the Visa Signature portal
- ExperiencesCiti Entertainment access: complimentary access to presale tickets and special experiences for concerts, sporting events, dining, and live performances; shared across all Citi credit cards
- Authorized usersAuthorized users may be added at no additional cost and earn rewards back to the primary cardmember's account; the primary cardmember is responsible for all charges
Travel & purchase protections
6- Damage and Theft Purchase Protection via Visa Signature: covers eligible new purchases against damage or theft for up to 90 days from the date of purchase, up to $10,000 per claim and $50,000 per cardholder per year (subject to Visa's Guide to Benefits terms and exclusions; this is a Visa network-level benefit, not a Citi-issuer benefit, and is one of the few protections that did survive Citi's 2019 benefit cuts because it is provided by Visa)
- Extended Warranty: Visa Signature extended warranty doubles the original manufacturer's warranty of two years or less, up to one additional year, on eligible purchases made with the card (subject to Visa's Guide to Benefits terms); like purchase protection, this is a Visa network benefit, not a Citi benefit
- Roadside Dispatch via Visa: pay-per-use roadside assistance available 24/7 by calling 1-800-847-2869; flat per-service fee (currently around $79.95) covers towing up to 5 miles, tire changing with your inflated spare, jump starts, lockout service, fuel delivery (up to 5 gallons, cost of fuel extra), and winching; this is a Visa network benefit, not free roadside coverage, but is available to all Visa cardholders
- Travel and Emergency Assistance Services via Visa: 24/7 hotline for referrals to legal, medical, and emergency transportation services while traveling more than 100 miles from home; this is a referral and coordination service, not insurance, you are responsible for any third-party costs
- $0 fraud liability: you are not liable for unauthorized charges made with your card, per Citi's Zero Liability policy (standard across all Citi consumer credit cards)
- Citi Identity Theft Solutions: complimentary identity theft assistance, specialists help you cancel cards, contact credit bureaus, and resolve fraudulent activity (assistance service, not insurance reimbursement)
More benefits & fine print (4)ShowHide
- The Costco Cash Reward Certificate must be redeemed in person at a U.S. Costco warehouse (or at Costco gas pumps in some cases) and can be used either toward merchandise at checkout or exchanged for cash back from a Costco cashier; the certificate can be partially redeemed for merchandise with the remainder returned as cash, per Costco's redemption policy
- Certificates are valid through December 31 of the year they are issued (about 10-11 months from the February mailing); unredeemed certificates expire and are forfeited if not used in person by the December 31 deadline (this is a frequent complaint and a notable downside vs cards with flexible cash back redemption)
- Lost or Stolen Card Reporting and Emergency Card Replacement via Visa: emergency cash advance and replacement card delivery typically within 24-72 hours when traveling
- Choose Your Payment Due Date: Citi allows you to pick a payment due date that fits your billing cycle, configurable through online account servicing
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