Credit card review
Costco Anywhere Visa Card by Citi Review
CitiVisaCash backNo annual fee
Costco Anywhere Visa Card by Citi earned 4.5 / 5 in our 2026 review. The Costco Anywhere Visa Card by Citi earns 4% on gas ev charging with no annual fee. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-05-01
TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
4% on gas ev charging
Intro APR
None
Issuer
Citi
Network
Visa
Min credit score
720
Fintiex rating
4.5 / 5
Pros
- +4% cash back on eligible gas and EV charging worldwide (on first $7,000 per year, then 1%)
- +3% cash back on restaurants and eligible travel
- +2% cash back on all Costco and Costco.com purchases
- +1% cash back on all other purchases
- +No foreign transaction fees
- +No annual fee beyond Costco membership
- +Cashback rewarded as an annual Costco Shop Card redeemable in February
- +Extended warranty and purchase protection
Cons
- -Requires a Costco membership (Gold Star: $65/year, Executive: $130/year)
- -Cash back only paid once a year as a Costco Shop Card, not monthly
- -No sign-up bonus
- -4% gas rate capped at $7,000 in purchases per year
- -Visa only accepted at Costco (no Amex, MC)
- -Must visit a Costco warehouse to redeem annual cashback
Rewards detail
gas ev charging
4%
restaurants
3%
travel
3%
costco costco com
2%
everything else
1%
Rates and fees
Annual fee
$0
Purchase APR
20.49%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
20.49%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for
The Costco Anywhere Visa Card by Citi is built for people who want a cash back or no annual fee card. Most approvals land at FICO 720 and above, but issuers prefer scores near 750. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Costco Anywhere Visa Card by Citi have a foreign transaction fee?
No. The Costco Anywhere Visa Card by Citi charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Costco Anywhere Visa Card by Citi?
Approvals typically start around a FICO score of 720, but Citi prefers 750 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Costco Anywhere Visa Card by Citi have a welcome offer?
No. The Costco Anywhere Visa Card by Citi does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Costco Anywhere Visa Card by Citi have a 0% intro APR offer?
No. The Costco Anywhere Visa Card by Citi does not currently offer a 0% intro APR period. The standard variable purchase APR is 20.49%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Costco Anywhere Visa Card by Citi?
$0. The Costco Anywhere Visa Card by Citi has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Costco Anywhere Visa Card by Citi worth it?
Fintiex rates the Costco Anywhere Visa Card by Citi 4.5 out of 5 for 2026. It is best for cash back and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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