Cash back · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Citi Costco Anywhere Visa Business is a no-annual-fee cash back card from Citi. Its best everyday rates are 4% on gas stations, 3% on dining, and 3% on travel; everything else earns 1%. There is also 2% on Costco, a single-merchant rate. Gas stations is capped at $7,000 a year, then drops to the base rate.
On our reference budget of $73,200 a year it returns about $1,092, an effective 1.5% back.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Unlimited 2% on all other purchases from Costco and Costco.com.
Unlimited 3% on restaurants and eligible travel, including Costco travel.
Cap: $7,000 per annual
4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter.
Unlimited 3% on restaurants and eligible travel, including Costco travel.
No welcome bonus is stored for this catalog entry yet.
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Shop with more confidence ' Damage & Theft Purchase Protection may cover you for repairs or a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).
Certain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are administered by a third-party provider.
Certain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are underwritten by Virginia Surety Company, Inc.
Certain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are administered by a third-party provider.
Certain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are underwritten by Virginia Surety Company, Inc.
These come from Visa, not from Citi. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Costco Anywhere Visa® BusinessThis card · 4% on gas stations | None | $1,092 | +$1,092 | 172nd of 752 |
| Citi® / Aadvantage Business™ World Elite Mastercard®Citi's most-held other card · 2x on car rentals | $99 | $292 | +$193 | 728th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
