Costco Anywhere Visa® Card by Citi
Basic Information
Program ID: 520
Issuer: Citibank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/06/2026 16:46
Last Scraped: 01/15/2026 04:49
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The Costco Anywhere Visa® Card by Citi typically does not offer a traditional spending-based sign-up bonus. Its value is derived from its ongoing rewards structure.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Air Travel, 3x Hotels, 3x Restaurants, 3x Supermarkets, 3x Gas Stations
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: Avianca LifeMiles, Emirates Skywards, EVA Air Infinity MileageLands, Flying Blue (Air France/KLM), Qantas Frequent Flyer, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Choice Privileges, Wyndham Rewards
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the sign-up bonus on the Citibank '520' card, applicants must not have received a bonus for the same card family within the last 24 months. This rule applies even if the card product name has changed. Additionally, Citibank typically limits new applications to no more than one card every 8 days and no more than two cards every 65 days across all Citibank products. Approval is subject to creditworthiness and Citibank's internal lending policies, including total credit exposure.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, payment of rent/mortgage via third-party services with credit cards, repeated large purchases and returns), high cumulative credit limit across all Citibank cards, rapid succession of credit card applications (especially within Citibank's 8/65 rule), suspicious spending patterns inconsistent with typical consumer behavior, defaulting on other credit obligations, or excessive credit cycling.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
High cash back rates on gas (4%), restaurants, and travel (3%), plus good rewards at Costco (2%). No annual fee (with Costco membership) and wide Visa acceptance are major advantages.
Top Negative Feedback:
Cash back is issued only once a year as a certificate, redeemable only at Costco for merchandise or cash, limiting flexibility. Requires an active Costco membership.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Chase Freedom Unlimited
- Blue Cash Preferred Card from American Express
Card Value Score: 85.0 / 100
Est. Annual Rewards: $705.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 68% General / 32% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0