Cash back · Visa · No annual fee
Last verified 2026-10-26. Review issuer source
Citi Costco Anywhere Visa 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 $24,600 a year it returns about $450, an effective 1.8% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
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 Traditional tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
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®This card · 4% on gas stations | None | $450 | +$450 | 301st of 1,284 |
| Citi Double Cash®Citi's most-held other card · 2% on everything | None | $492 | +$492 | 281st of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. 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.
