Citi · Cash back · Visa
Costco Anywhere Visa: what it's really worth
The Costco Anywhere Visa has a no annual fee. For a typical household spending $2,070 a month, it's worth about $418 in year one and $418 each year after.
Annual fee$0
Sign-up bonusNone
Net value · year 1$418
Net value · each year after$418
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 3% | 3.0¢ | $108 |
| Groceries | 1% | 1.0¢ | $60 |
| Hotels | 3% | 3.0¢ | $29 |
| Flights | 3% | 3.0¢ | $36 |
| Gas | 4% | 4.0¢ | $72 |
| Streaming | 1% | 1.0¢ | $5 |
| Everything else | 1% | 1.0¢ | $108 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 4% on gas and EV charging (up to $7,000 a year), 3% on dining and travel, 2% at Costco. Rewards arrive once a year as a certificate redeemable at Costco.
Credits and perks
- Purchase protection
- Foreign transaction fee: none
Who it's for
- Costco members — 2% at Costco, and it works in Costco warehouses (Visa only)
- Big gas spenders — 4% on up to $7,000 a year
- Not ideal: Non-members — it requires a Costco membership ($65+/yr)
- Not ideal: Getting rewards quickly — paid out once a year
Can I get it?
- Recommended credit: Good
- Citi rules: One welcome bonus per card family every 48 months. Citi also limits how often you can apply (about 1 card per 8 days, 2 per 65 days).
- Visa: Accepted almost everywhere, including Costco warehouses (Visa only).
Check the current offer at Citi
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Updated Oct 30, 2026.