Citi · Visa
Costco Anywhere Visa® Card by Citi
Costco members who spend heavily on gas and want no annual fee
No annual fee
Why people consider it
- 4x on Gas.
- 3x on Travel.
- 3x on Dining.
Welcome offer
No welcome offer right now.
Recommended credit score: 700+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$814/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- Requires Costco membership ($65/yr) to hold the card Cash back only redeemable once per year at Costco
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
4% other gas & EV charging (5% at Costco gas stations); combined $7,000/yr cap, then 1%
Cap: $7,000/yr
Eligible travel purchases
Restaurants
Costco and Costco.com purchases
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 700+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 5% at Costco gas stations, 4% on other gas (up to $7,000/yr combined)
- + 3% on restaurants and travel — solid secondary earn
- + No annual fee beyond Costco membership ($65/yr)
- + Cash back issued as annual check — simple redemption
Cons
- - Requires Costco membership ($65/yr) to hold the card
- - Cash back only redeemable once per year at Costco
- - No sign-up bonus
- - 2% at Costco is lower than some grocery cards
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.