| Category | Rate | Type | Cap |
|---|---|---|---|
|
Gas and EV Charging
Earn 4% cash back on eligible gas and EV charging purchases, including gas at Costco, for the first $7,000 per year combined, then 1% thereafter; gas purchased at superstores, supermarkets, convenience stores, and warehouse clubs other than Costco earns 1%.
|
4x | Cash Back | $7,000/yr |
|
Restaurants
Earn 3% cash back on eligible restaurant purchases including fast food; eligibility is determined by merchant category code.
|
3x | Cash Back | No cap |
|
Eligible Travel
Earn 3% cash back on eligible travel purchases including airlines, hotels, car rentals, travel agencies, cruise lines, and Costco Travel; eligibility is determined by merchant category code.
|
3x | Cash Back | No cap |
|
Costco and Costco.com Purchases
Earn 2% cash back on all other eligible purchases made at Costco and Costco.com, including Costco Travel when not qualifying for the 3% travel category.
|
2x | Cash Back | No cap |
|
Gas and EV Charging (Over Annual Cap)
After the first $7,000 in combined eligible gas and EV charging purchases per year, earn 1% cash back on additional gas and EV charging purchases.
|
1x | Cash Back | No cap |
|
All Other Purchases
Earn 1% cash back on all other eligible purchases made anywhere Visa is accepted; no annual cap applies.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Costco Anywhere Visa Card has no annual credit card fee; a paid Costco membership is required to apply and maintain the card.
|
Financial |
$0 annual card fee
Up to $0
|
|
No Foreign Transaction Fees
The card charges no foreign transaction fees on purchases made outside the United States, making it suitable for international travel and foreign-currency purchases.
|
Financial | 0% foreign transaction fee |
|
Damage and Theft Purchase Protection
Covers eligible purchases made with the card against damage or theft for up to 120 days from the date of purchase; covers up to $10,000 per claim and $50,000 per year.
|
Insurance |
Up to $10,000 per claim
Up to $10,000
|
|
Extended Warranty Protection
Extends the manufacturer's warranty for an additional 24 months on eligible purchases made with the card; the original warranty must be 5 years or less to qualify.
|
Insurance | Up to 24 additional months |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage when common carrier tickets are purchased entirely with the card; covers the cardholder and certain family members.
|
Insurance | Complimentary |
|
Travel and Emergency Assistance
Provides 24/7 worldwide emergency assistance services including medical referrals, legal referrals, emergency transportation coordination, and other travel-related emergency assistance; cardholders are responsible for the cost of services arranged.
|
Insurance | Complimentary |
|
Worldwide Car Rental Insurance
Provides secondary coverage for damage and theft of rental vehicles when the cardholder declines the rental company's collision damage waiver and charges the full rental to the card; covers most rental vehicles for up to 31 consecutive days.
|
Insurance | Secondary coverage up to actual cash value |
|
24/7 Customer Service
Cardmembers have access to Citi customer service 24 hours a day, 7 days a week for account management, payments, and card membership inquiries.
|
Other | Complimentary |
|
Costco Membership Exclusive
The Costco Anywhere Visa Card is exclusively available to active Costco members; a paid Costco membership (Gold Star or Executive) is required to apply and maintain the card — if membership lapses, the card cannot be used.
|
Other | Costco membership required |
|
Costco Warehouse Acceptance
The Costco Anywhere Visa is the exclusive credit card accepted inside Costco warehouses and at Costco gas stations in the U.S.; Costco does not accept other major credit cards for in-warehouse purchases.
|
Other | Complimentary |
|
1% Cash Back on All Other Purchases
Earn 1% cash back on all other eligible purchases everywhere Visa is accepted; also applies to gas and EV charging purchases after the $7,000 annual cap is reached.
|
Rewards | 1% back |
|
2% Cash Back at Costco and Costco.com
Earn 2% cash back on all other eligible purchases made at Costco warehouses and Costco.com, including Costco Travel when not qualifying for the 3% travel category.
|
Rewards | 2% back |
|
3% Cash Back at Restaurants
Earn 3% cash back on eligible restaurant and fast food purchases everywhere Visa is accepted; eligibility is determined by merchant category code.
|
Rewards | 3% back |
|
3% Cash Back on Eligible Travel
Earn 3% cash back on eligible travel purchases including airlines, hotels, car rentals, travel agencies, cruise lines, and Costco Travel; eligibility is determined by merchant category code.
|
Rewards | 3% back |
|
4% Cash Back on Gas and EV Charging (First $7,000/Year)
Earn 4% cash back on eligible gas and EV charging purchases including gas at Costco for the first $7,000 per year in combined eligible gas and EV charging purchases; then 1% thereafter. Gas at superstores, supermarkets, convenience stores, and other warehouse clubs earns only 1%.
|
Rewards | 4% back (first $7,000/year) |
|
Annual Costco Shop Card Reward Certificate
All cash back earned throughout the year is accumulated and issued annually as a single Costco Shop Card (reward certificate) after the February billing statement closes; the certificate can be redeemed at U.S. Costco warehouses for merchandise or for a portion as cash.
|
Rewards | Issued annually after February statement |
|
$0 Liability on Unauthorized Charges
Cardmembers are not responsible for unauthorized charges made on their account when reported promptly; Citibank provides $0 fraud liability on all unauthorized transactions.
|
Security | Complimentary |
|
Citi Identity Theft Solutions
Cardholders have access to Citi's identity theft resolution services, including assistance with resolving fraudulent account activity and restoring identity.
|
Security | Complimentary |
