Last Updated: 10/03/2025
SuperMoney User Recommendation Score +60
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.49%(Verified 07/26/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.49%(Verified 07/26/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
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Number of Reviews
Costco Anywhere Visa Card by Citi Review
This is a store cashback credit card issued by Citi®. If you're wondering whether Costco Anywhere Visa Card by Citi is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4x.
- N/A
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 20.49%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.$0
- A 5% balance transfer fee. Costco Anywhere Visa Card by Citi charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Costco Citi card
| The Good | The Bad |
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Costco Citi card FAQ
Does Costco Citi card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 3 % cash back (3% cash back eligible travel purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Car Rentals | 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 4 % cash back for a total of $7000 (4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 1 % cash back (1% cash back on all other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 3 % cash back (3% cash back on restaurants) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back (1% cash back on all other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Costco Citi card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Costco Anywhere Visa Card by Citi has a variable purchase APR of 20.49%. The card has a variable balance transfer APR of 20.49% . It also has a variable cash advance APR of 29.99% .
Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.Does Costco Citi card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Costco Citi card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Costco Citi card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Costco Citi card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Costco Citi card?
The customer service number for Costco Citi card is (800) 950-5114.
What is the support contact email for Costco Citi card?
The support contact email for Costco Citi card is customer.help@citi.com.
How do people rate the customer service and user experience of Costco Citi card?
Overall, Costco Citi card is strongly recommended based on community reviews that rate customer service and user experience.
Does Costco Anywhere Visa Card by Citi report your account activity to credit bureaus?
Yes, Costco Anywhere Visa Card by Citi reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Citi® perform a hard credit pull?
Yes, Costco Citi card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Costco Citi card
- Visit the website of Costco Citi card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Costco Citi card
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
Other Services by Citi®
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
18.24% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.
+60
-1000+100
No one recommends
Everyone recommends
Costco Anywhere Visa Card by Citi Community Reviews
Would you recommend Costco Anywhere Visa Card by Citi to your friends?
MF
Mik F.
Oct 3, 2025
May or may not recommend
Costco's Citi Visa is Horrible! We have an income of nearly 200K, no debt, always pay the full balance for all our bills, and no mortgage. Citi's AI lowered our credit limit and now won't reconsider for 6 months. I told the human agent to get me a "manager" or "banker." The "manager" said she had no ability to overturn "Citi's" decision. I told her that made no sense, and ...Show More
Anna S.
Jan 6, 2024
May or may not recommend
Makes good sense for Costco regular shoppers to have this card to use in the warehouse (or Costco.com). Offers good rewards for members and easy refunds for returned purchases. Pair this with a Costco executive membership for more rewards.
BP
Bryn P.
Jun 5, 2022
May or may not recommend
I wouldn't recommend this card because we have had the numbers stolen SO many times. Citi is not easy to work with when your card has a fraudulent transaction. The only reason why we have this card in the first place is because our local costco, where we do a majority of our grocery shopping, won't accept our american express.
Miriel P.
Feb 18, 2022
May or may not recommend
I need to preface this review by saying that you have to be a Costco member to get it, and if a Costco membership doesn't make sense for you then you shouldn't be considering this card.
Once you have the card, it can be used anywhere to rack up rewards. The rewards themselves are great. The only issue is that you have to actually go to a Costco store in order ...Show More
Hannah M.
Aug 17, 2021
May or may not recommend
Lots of cash back options! But can only redeem once a year.
MS
Michelle S.
Jul 7, 2021
May or may not recommend
I personally love that you get 4% back on this credit card. This card is one of my favorites to use.
Bill L.
Mar 4, 2021
May or may not recommend
The credit card has multiple cash back programs. 5% back on gasoline/fuel purchases, 2% on purchases at Costco, 2% and 1% of all other purchases. Best if paid in full each month. It is a membership card so you need to be a member (premium) not basic. Regard it as a premium membership benefit. Had this card for years when it was changed from American Express. ...Show More
Sara D.
Dec 8, 2020
May or may not recommend
I recommend the Costco Anywhere Visa Credit Card. This is a great credit card if you are a Costco Warehouse member. This card will give you extra cash back with your costco purchases! You'll get great points on costco purchases, gas, and travel. I would not get this credit card if you are not a costco member though. I personally would not use this card for daily use other than ...Show More
Miron L.
Jan 22, 2019
May or may not recommend
This is my primary card. It offers generous cash back benefits. The Citi mobile app is also easy to use.
JH
Jim H.
Jan 22, 2019
May or may not recommend
great rewards for costco members. would highly recommend. Must be a costo member.
Showing 10 of 10 reviews
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