Full Review

Costco members with credit scores of 750 or higher whose most common expenses include gas, travel and dining should consider applying for the Costco Credit Card.

The Costco Visa offers up to 4% cash back at gas stations as well as 3% cash back on travel and dining, 2% back at Costco, and 1% back on everything else. With a $0 annual fee, the card itself is free to use, though Costco membership will run you at least $60 per year.

For all of its great rewards, the Costco Credit Card does not offer much interest-rate appeal. Its regular APR is above average for a card that requires excellent credit for approval. There aren't any low introductory rates, either. So you'd better be ready to pay your bill in full every month if you’re thinking about applying for the Costco Visa Card.

That's our short scouting report on the Costco Credit Card from Citi. Below, you can find all the other key details you'll need to decide whether or not to apply.

Costco Credit Card Review Highlights:

Great rewards for popular spending categories. You will earn 4% cash back on the first $7,000 that you spend on gas each year as well as 3% cash back on travel and dining at restaurants, 2% cash back on Costco purchases and 1% cash back on everything else. Considering the average cash back credit card offers just 1.07%, the Costco Anywhere Visa is a great rewards earner.

Just for Costco members. It might seem obvious, but it's still worth mentioning that you must be a Costco member to get the Costco Anywhere Visa Card by Citi. The good news is you won't have to worry about paying an annual fee or a foreign fee in addition to Costco dues because the Costco Anywhere Visa Card does not charge them. Furthermore, you can use your card other places than Costco, as it will be accepted anywhere that takes Visa.

Excellent credit required. You need an excellent credit score to qualify for the Costco Anywhere Visa. You can check your credit score for free on WalletHub before applying if you don’t know where you currently stand.

Above-average APR. The Citi Anywhere Visa's regular APR is above the average among credit cards for excellent credit. In other words, if you anticipate carrying a balance, you can find a cheaper card to do it with.

Finally, it's worth pointing out that you don't need the Costco Credit Card to shop at Costco. Any Visa card will work.


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Costco Anywhere Visa® Card by Citi Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Costco Anywhere Visa® Card by Citi
Earn Costco cash rewards anywhere Visa is accepted. Plus, no annual fee with your paid Costco membership.* Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, redeemable for cash or merchandise at US Costco Warehouses, including Puerto Rico.
Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi Payment
By mailOnce you receive your statement for the month, you can mail your check or money order payment to Citi at: Citibank / Choice, P.O. BOX 9001037, Louisville KY, 40290-1037. Make sure to postmark it by the day the bill is due. Otherwise, you'll be marked as late.Citi onlineSign into your acco

Who Is Costco Anywhere Visa® Card by Citi Best For?
The Costco Anywhere Visa is a good fit for Costco members with good credit who want a solid all-around rewards card and don't mind redeeming their cash back on a yearly basis. Plus, you'll get rewards-earning rates that compare to the best rewards cards, with excellent rewards rates for your

How to Apply For Costco Anywhere Visa® Card by Citi

OnlineVisit Costco.com, type "Citi Visa" into the search bar and hit "Enter."By PhoneCall 1-800-259-3052.In-StoreStop by the membership counter at your local Costco warehouse and ask for an application.

How to Get the Most Out of Costco Anywhere Visa® Card by Citi
Use this card for all your gas station purchases in order to maximize the 4% back earning category. You can also use it for all dining, travel, and Costco purchases in order to maximize those bonus categories. Keep in mind that you won't receive the rewards you accrue until after your February b

The Rewards of Costco Anywhere Visa® Card by Citi
RewardsDiscover one of Citi's best cash back rewards cards designed exclusively for Costco members4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter3% cash back on restaurants and eligible travel purchases2% cash back on all other purchases from Costco and Costco.c