Costco Anywhere Visa® Card by Citi

Citibank Visa Pending

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12

Benefits

5

Reward Categories

4x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: 520

Issuer: Citibank

Card Name: Costco Anywhere Visa® Card by Citi

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 06, 2026 16:46

Last Scraped: Feb 07, 2026 16:08

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Citi offers Servicemembers Civil Relief Act (SCRA) benefits, including a 0% APR on existing balances and new purchases for eligible accounts during active duty service.

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gas & EV Charging 4x Cash Back Eligible gas and EV charging purchases, including gas at Costco and Costco.com. $7,000
Dining 3x Cash Back Purchases at restaurants. No Cap
Travel 3x Cash Back Eligible travel purchases. No Cap
Costco & Costco.com Purchases 2x Cash Back All other purchases from Costco and Costco.com. No Cap
All Other Purchases 1x Cash Back All other purchases not covered by higher reward rates. No Cap
Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x ThankYou Points on Air Travel, Hotels, Restaurants, Supermarkets, and Gas Stations.

Quarterly Rotating: No

Expiration Policy: ThankYou Points do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1.25x

Transfer Partners: Airline partners: Aeromexico Club Premier, Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Airways Privilege Club, Singapore Airlines KrisFlyer, Thai Airways Royal Orchid Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club. Hotel partners: Choice Privileges, Wyndham Rewards.

Redemption Penalties: Points may be worth less when redeemed for certain options like cash back or gift cards compared to travel through the ThankYou portal or transfer partners.

Benefits & Protections (Detailed) 12 Total
PENDING
Convenience 2
Digital Wallets
Compatibility with major digital wallets

Add your card to Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments.

Worldwide Acceptance
Global acceptance

Your card is accepted worldwide wherever Visa is accepted.

Fees 2
No Annual Fee
No annual fee

There is no annual fee for the Costco Anywhere Visa Card by Citi with a paid Costco membership.

No Foreign Transaction Fees
No foreign transaction fees

There are no foreign transaction fees on purchases made outside of the United States.

Lifestyle 1
Citi Entertainment
Exclusive access to entertainment events

Access to presale tickets and exclusive experiences for thousands of concerts, sporting events, dining experiences, and more.

Rewards 5
4% Cash Back on Gas and EV Charging
4% cash back (up to $7,000/year), then 1%

Earn 4% cash back on eligible gas and EV charging purchases worldwide, including gas at Costco, for the first $7,000 per year in combined purchases. After that, earn 1% cash back.

3% Cash Back on Restaurants and Travel
3% cash back

Earn 3% cash back on eligible restaurant purchases and eligible travel purchases worldwide.

2% Cash Back on Costco and Costco.com Purchases
2% cash back

Earn 2% cash back on all other purchases from Costco and Costco.com.

1% Cash Back on All Other Purchases
1% cash back

Earn 1% cash back on all other purchases.

Annual Cash Back Reward Certificate
Annual reward certificate

Cash back is received annually as a reward certificate once your February billing statement closes. Reward certificates are redeemable for merchandise or cash at U.S. Costco warehouses, including Puerto Rico.

Security 2
$0 Liability on Unauthorized Purchases
$0 liability

You are protected against unauthorized purchases made with your card.

Citi Quick Lock
Card lock/unlock feature

Quickly lock your card to prevent new purchases if it's misplaced, and unlock it when you find it.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $0.50
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the '520' bonus requires applicants to not have received a bonus for any card within the '520' card family in the past 24 months. This rule applies even if the specific card product is different but falls under the same family. To qualify for the bonus, new cardmembers must meet a specified minimum spending requirement, typically within the first 3 months of account opening. Citibank also generally restricts new applications to one card every 8 days and two cards every 65 days.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit cycling, high cumulative credit limit across all Citibank products, rapid succession of new credit applications, non-payment or late payments, sudden drastic changes in spending patterns inconsistent with historical behavior, and account inactivity followed by large transactions.

Cliff Effect Rules: The 24-month rule is a 'cliff effect' for the '520' card family. If a bonus has been received on any card product within the '520' family in the preceding 24 months, the applicant is ineligible for a new bonus on the '520' card. This rule resets 24 months after the bonus was last received, preventing rapid re-qualification for bonuses within the same product line.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent rewards on gas and Costco purchases, good for everyday spending for frequent Costco shoppers.

Top Negative:
Rewards are primarily tied to Costco and gas, less flexible for general spending outside these categories.

Approval Experience: 82.5 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Citi Double Cash Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0