The Costco Anywhere Card offers up to 5% cash back, with no annual fee for active Costco members.
This Visa card includes fraud protection, travel insurance, and no foreign transaction fees, making it ideal for everyday use.
Want to know how to apply and maximize your rewards? Keep reading for all the details and eligibility requirements.
About the Costco Anywhere Visa® Card
The Costco Anywhere Visa® Card is designed exclusively for Costco members, offering high cashback rewards with no annual fee. With rewards ranging from 5% on gas purchases to 3% on dining and travel, it’s a powerful option for frequent spenders.
Beyond cashback, the card includes valuable perks such as travel accident insurance, purchase protection, and no foreign transaction fees.
Whether you’re shopping at Costco or making international purchases, this card provides both security and savings.
Main card details
Card Type: Cashback credit card
Annual Fee: $0 with an active Costco membership
Cashback Rates: Up to 5% on gas, 3% on dining & travel, 2% on Costco purchases, 1% on everything else
Foreign Transaction Fees: None
Purchase Protection: Covers damage & theft
Acceptance: Accepted anywhere Visa is used
Advantages
High Cashback Rewards
Earn up to 5% cashback on gas, 3% on dining and travel, and 2% on Costco purchases, making it one of the best reward credit cards for everyday expenses.
No Annual Fee with Costco Membership
There are zero annual fees as long as you maintain an active Costco membership, allowing you to enjoy cashback rewards without extra costs.
Doubles as Your Costco Membership Card
The card also functions as your Costco membership ID, so you don’t need to carry an extra card when shopping at Costco warehouses.
Disadvantages
Requires a Costco Membership
You must be a Costco member to apply and maintain the card, which might not be ideal for non-members or those who rarely shop at Costco.
Limited Cashback Redemption
Cashback rewards can only be redeemed once per year as a Costco reward certificate, limiting access to your earned cashback.
Why Choose the Costco Anywhere Visa® Card?
This card stands out with some of the highest cashback rates available, including 5% on gas and 4% on EV charging (up to $7,000 annually). Frequent travelers also benefit from 3% back on dining and eligible travel expenses, making it a great option for everyday spending.
Additionally, it has no foreign transaction fees, allowing you to use it abroad without added costs. With built-in fraud protection, travel insurance, and extended warranties, it offers much more than just rewards. If you shop at Costco often, this card can deliver serious value.
Is the Costco Anywhere Visa® Card Worth It?
For those who spend frequently on gas, travel, and dining, this card can generate significant cashback rewards. The no-annual-fee structure means you won’t have to worry about extra costs, as long as you maintain a paid Costco membership.
However, it may not be the best fit if you don’t shop at Costco regularly, since Costco purchases only earn 2% back. If you are a loyal Costco shopper who wants high cashback and travel perks, this card offers outstanding long-term benefits.
No, the Costco Anywhere Visa® Card has no annual fee as long as you maintain an active and paid Costco membership. This makes it a great choice for loyal Costco shoppers who want to maximize rewards without extra costs.
This card offers 5% on gas (up to $7,000 per year), 4% on EV charging, 3% on dining and eligible travel, 2% on Costco purchases, and 1% on everything else. It’s designed to give high cashback rates in key spending categories.
Yes, the Costco Anywhere Visa® Card does not charge foreign transaction fees, allowing you to use it worldwide without extra costs. This feature is particularly beneficial for frequent travelers who want to avoid unnecessary fees.
Cashback is issued annually as a reward certificate in your February billing statement. You can redeem it for cash or Costco merchandise at any U.S. Costco warehouse before December 31 of that year.
– The Best Card for Costco Shoppers –
This card is perfect for Costco members looking for high cashback rewards and travel benefits with no annual fee. However, cashback redemption is limited to once a year.
Applying for the Costco Anywhere Visa® Card
Getting the Costco Anywhere Visa® Card is simple and can be done entirely online or in-store. To qualify, you must have an active Costco membership and meet Citi’s credit requirements. The application process is quick, and approvals can happen within minutes.
Once approved, your card acts as both a credit card and your Costco membership ID, eliminating the need for multiple cards. You can start using it immediately for Costco purchases, gas, dining, and travel while earning cashback rewards on every transaction.
Your reward certificate arrives annually in February, redeemable at any U.S. Costco warehouse. With no annual fee (with a paid membership) and strong security features, this card is a valuable financial tool for frequent shoppers and travelers.
Required Documents
- Valid Costco membership
- Government-issued ID
- Proof of income/employment
- U.S. Social Security Number (SSN)
How to Apply for the Costco Anywhere Visa® Card:
- Ensure you have a Costco membership before applying.
- Visit the Costco website or Citi’s official application page.
- Fill out the application with your personal and financial details.
- Wait for approval—processing usually takes a few minutes to a few days.
- Activate and use your card to start earning cashback rewards.