RateHerald

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Citi credit card

Costco Anywhere Visa® Card by Citi

Purchase APR 18.99–26.99%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$190$190
Typical spender$505$505
Heavy spender$1,235$1,235
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$190a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$505a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$1,235a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 95% of the 732 cards we track.

  • Lower top APR than about 40% of the 651 cards we track.

Other cash back cards

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Costco Anywhere Visa cash back rewards

How you earn

5%
5% cash back on gas purchased at Costco warehouse locations worldwide.
4%
4% cash back on other eligible gas purchases worldwide for the first $7,000 per year in combined Costco and other eligible gas and/or EV charging purchases. After reaching this limit, cash back drops to 1%.4% cash back on eligible electric vehicle (EV) charging purchases worldwide for the first $7,000 per year in combined Costco and other eligible gas and/or EV charging purchases. After reaching this limit, cash back drops to 1%.
3%
3% cash back on restaurant purchases, including cafes, bars, lounges, and fast food restaurants, worldwide. However, 1% cash back is earned on purchases made at certain bakeries, department store restaurants, grocery or warehouse clubs, timeshares, campgrounds, and bed & breakfasts.3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines, and Costco Travel. However, 1% cash back is earned for train and commuter travel and certain purchases at timeshares, campgrounds, and bed & breakfasts.
2%
2% cash back on all other purchases from Costco and Costco.com.
1%
Everything else

Cash back, as a share of each purchase.

Benefits

  • Cash back is provided as an annual credit reward certificate, redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouse, including Puerto Rico.
  • No foreign transaction fees on purchases.
  • Damage & Theft Purchase Protection may cover repairs or reimbursement for purchases damaged or stolen within 120 days, or 90 days for New York residents, of purchase or delivery.
  • 24/7 travel and emergency assistance is available for emergency travel arrangements and travel issues; referrals or assistance are provided at no cost, but the cardmember pays for services used.
  • Roadside assistance dispatch service is available in the United States, Puerto Rico, and the U.S. Virgin Islands; the cardmember is responsible for service costs.
All 13 benefits
  • Citi Entertainment® provides eligible Citi credit card customers special access to tickets, presales, and exclusive experiences.
  • Free access to your FICO® Score.
  • Citi® Flex Pay allows eligible purchases to be split into fixed monthly payments.
  • No Authorized User fee.
  • Purchase protection
  • Rental car
  • Emergency assistance
  • Roadside

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
No annual fee for this credit card with your paid Costco Membership. · online.citi.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
No. · citi.com, since Sep 29, 2026
What is the purchase APR?
18.99–26.99% APR · online.citi.com, since Oct 8, 2026
See it on citi.com

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