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If you are a frequent visitor to Costco in the United States, a Costco Anywhere Visa® Card by Citi (issued by Citibank) may help you save a lot of money. This card not only offers high cashback, but also brings additional benefits in gas stations, travel and daily consumption. Today, let’s take a comprehensive look at this credit card to see if it is right for you!
1. Basic Benefits of Costco Credit Card
💡 Note: Cash back is issued in the form of annual reward certificates and can only be redeemed at Costco .
(cash or shopping).
The main advantage of Costco credit card is high cashback + no annual fee (but Costco membership is required). Here are its core benefits:
✅ 4% cash back on gas (up to $7,000 per year, 1% after exceeding)
✅ 3% cash back on dining and travel (including restaurants, air tickets, hotels, etc.)
✅ 2% cash back on Costco shopping (both online and offline)
✅ 1% cash back on other consumption (such as supermarkets, online shopping, etc.)
2. Hidden benefits & usage tips
(1) Extended warranty & shopping protection
✅ Enjoy an additional 2-year warranty (on top of the original manufacturer’s warranty) when purchasing electronic products.
✅ Compensation for damage/theft within 90 days (up to $1,000).
(2) Car rental insurance
✅ Use this card to pay for car rentals and enjoy free collision damage waiver (CDW), saving the insurance costs of the car rental company.
(3) Travel benefits
✅ No overseas transaction fees, suitable for shopping abroad.
✅ 3% cash back covers air tickets, hotels, car rentals, etc., which is more cost-effective than many travel cards.
3. Who is suitable for applying for Costco credit card?
✔ Costco loyal members (earn membership fee back if you spend $3,000+ per year)
✔ People who frequently refuel (4% cashback is a good deal)
✔ People who like to travel or dine out (3% cashback has a wide coverage)
❌ People who don’t go to Costco often (cashback can only be redeemed at Costco)
4. How to apply?
- Become a Costco member (annual fee starts at $60).
- Apply online or in-store (approved by Citibank).
- Credit score recommendation: 700+ (good credit is easier to approve).
Summary: Is Costco credit card worth applying for?
👍 Suitable for you if:
- Already a Costco member
- Monthly gas and outings
- Want a high cashback card with no annual fee
👎 Not suitable for you if:
- Not often go to Costco
- Want more flexible cashback (such as cash or bill deduction)
💬 ** Do you have a Costco credit card? How is your cashback experience? Feel free to share in the comments! **
