If you’re considering becoming a Costco member to maximize savings, the Costco Anywhere Visa® Card by Citi might be a great addition to your wallet.

This exclusive Costco credit card offers competitive cashback rewards on gas, dining, travel, and purchases at Costco Wholesale.

But before jumping in, it’s essential to understand how this card works, its benefits, and whether it aligns with your spending habits.

Below, we break down everything you need to know to help you make an informed decision.

The Costco Anywhere Visa Card is a no-annual-fee credit card designed specifically for Costco members.

While it doesn’t have a direct annual fee, you must have an active Costco membership to apply. The card is issued by Citi and provides impressive cashback rates in key spending categories.

Understanding the earning structure, potential savings, and eligibility requirements can help determine if this is the right credit card for your lifestyle.

This card offers excellent cashback rates in multiple spending categories, making it a strong option for those who frequently shop at Costco and spend on gas, dining, and travel.

If you want a rewards card that helps you save on everyday expenses, these are the key perks:

Beyond cashback rewards, the Costco Anywhere Visa Card includes travel-friendly benefits and purchase protections.

It’s particularly attractive for frequent travelers who want to avoid foreign transaction fees while enjoying exclusive Citi perks. Here are a few standout features:

To apply for the Costco Anywhere Visa Card, you must be a Costco member.

This means you’ll need to pay an annual membership fee, which grants access to Costco’s bulk pricing and exclusive deals.

If you’re already a Costco shopper, this requirement won’t be an issue, but it’s worth considering if you’re thinking about joining.

The Gold Star Membership is the most affordable option for individuals and families.

It gives you access to Costco Wholesale stores and online shopping, along with special member-only pricing.

If you plan to shop at Costco frequently, the benefits of membership can easily outweigh the cost.

To learn more about the different types of Costco memberships and how to join it, check our full content about it on the link below. Otherwise, keep reading this Costco Anywhere Visa Card by Citi review.

Like any credit card, the Costco Anywhere Visa Card has specific fees and interest rates to be aware of.

Although it doesn’t charge an annual fee beyond the required Costco membership, you’ll still need to consider APR and potential penalty fees before applying.

Here’s a breakdown of what to expect:

Every credit card has its advantages and drawbacks, and the Costco Anywhere Visa Card is no exception.

If you frequently shop at Costco and spend in key cashback categories, this card can be highly rewarding.

However, if you prefer monthly cashback redemptions or don’t spend enough at Costco to justify the membership fee, it may not be the best fit.

Here’s a closer look:

✔ Excellent cashback rates on gas, dining, travel, and Costco purchases

✔ No foreign transaction fees—ideal for international travelers

✔ No annual fee beyond the required Costco membership

✔ Accepted anywhere Visa is accepted

✔ Great for Costco loyalists who spend heavily in-store

✖ Requires a Costco membership ($60/year minimum)

✖ Cashback is redeemed only once per year as a Costco rewards certificate

✖ No introductory APR or welcome bonus

✖ High credit score requirement (typically 750+ recommended)

Before applying, it’s crucial to ensure you meet the eligibility requirements for the Costco Anywhere Visa Card.

Since this is a premium cashback card, it typically requires good-to-excellent credit.

Additionally, you must be an active Costco member, which means factoring in the membership cost as part of your overall decision.

Applying for the Costco Anywhere Visa Card is simple and can be done in two ways: in person at a Costco location or online through Citi’s website.

If you’re already a Costco member, you can apply for the card at your convenience. Below, we’ll go over both methods to help you choose the best option.

If you prefer to apply in person, you can visit the Membership Services Desk at any Costco location. Here’s how the in-store application process works:

Applying in person can be convenient if you’re already shopping at Costco and want assistance from a representative.

If you prefer to apply online, follow these steps to complete your application:

Both application methods are straightforward, so you can choose the one that best fits your preference.

Determining whether the Costco Anywhere Visa Card is a good fit depends on your spending habits.

This card is best for those who frequently shop at Costco and spend heavily in cashback categories like gas, dining, and travel.

However, the once-per-year redemption structure may not appeal to those who prefer immediate access to their rewards.

✅ Frequent Costco shoppers who want 2% cashback on in-store and online purchases.

✅ Drivers who spend heavily on gas and want up to 5% cashback.

✅ Those who travel often and appreciate no foreign transaction fees.

✅ Diners who frequently eat out and can benefit from 3% cashback on restaurants.

❌ Those who don’t shop at Costco enough to justify the Costco membership fee.

❌ People looking for immediate cashback redemption options (rewards are issued once per year).

❌ Anyone wanting a big welcome bonus or intro APR offer.

The Costco Anywhere Visa Card is an excellent option for loyal Costco shoppers who also spend significantly on gas, dining, and travel.

The cashback structure is highly rewarding, and the absence of foreign transaction fees makes it travel-friendly.

However, if you’re not a frequent Costco shopper or prefer monthly cashback redemptions, this card might not be the best fit for you.

If you’re ready to maximize savings on your Costco shopping and everyday purchases, this card could be a smart choice! Check the following content if you’d like to join a Costco membership to enjoy these Citi card benefits.