Citi Costco Anywhere Visa Review 2026
Costco Anywhere Visa is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$1,200
Rewards + bonus - fee - interest drag
Ongoing year
+$1,200
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Everyday rewards
4% cash back
Up to 5% in some categories
Annual fee
$0
APR
18.99% to 27.49%
Quick summary
What this card is, in plain words
Costco Anywhere Visa has no annual fee and a variable purchase APR of 18.99% to 27.49%. It earns 4% cash back on everything else, and more on 7 categories (the highest is 5% cash back on costco gas).
What to consider
- The APR is 18.99% to 27.49% and it can change. Interest on a carried balance is usually larger than the rewards.
- The 4% cash back rate on everything else stops after the cap. Up to $7,000 in purchases per calendar_year.
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Costco gas
5% cash back
Gas at costco
5% cash back
Gas
4% cash back
Ev charging
4% cash back
Dining
3% cash back
Travel
3% cash back
Costco purchases
2% cash back
Everything else
Up to $7,000 in purchases per calendar_year
4% cash back
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- Damage & Theft Purchase Protection
Perks and credits
- Card Doubles as Costco Membership ID
- Citi Entertainment®
- Citi Flex Pay
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), APR range moved from 18.74%–26.74% to 18.99%–27.49%. Tracked since Jun 21, 2026 across 11 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (2 changes tracked) →
- Nov 9, 2026 — APR range moved from 18.99%–26.99% to 18.99%–27.49%.
- Sep 27, 2026 — APR range moved from 18.74%–26.74% to 18.99%–26.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
18.99%-27.49% variable
Verify spend requirement
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Costco Anywhere Visa?
The Costco Anywhere Visa has no annual fee, according to Citi's page checked Nov 12, 2026.
How do I earn rewards with the Costco Anywhere Visa?
5% cash back on costco gas; 5% cash back on gas at costco; 4% cash back on gas; 4% cash back on ev charging; 3% cash back on dining.
What is the APR on the Costco Anywhere Visa?
The purchase APR is 18.99% to 27.49%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://www.citi.com/gcgapi/prod/public/v1/prelogin/digital/creditCards/offers/pricingDetails/retrieve · checked Nov 12, 2026
Earning rates
https://www.citi.com/credit-cards/credit-card-compare/view-all-credit-cards.html · checked Jun 21, 2026
Earning rates, Benefits and protections
https://www.citi.com/credit-cards/costco-anywhere-visa-card · checked Aug 30, 2026
We could not verify the foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Costco Anywhere Visa worth it?
Costco Anywhere Visa is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term