Costco Anywhere Visa® Card by Citi

Citi's Costco Membership Card

Annual Fee $0

Earning Rate 5% gas at Costco (with 4% other gas & EV charging on a combined $7,000/year cap; then 1%) • 3% restaurants • 3% eligible travel (incl. Costco Travel) • 2% Costco & Costco.com • 1% everything else

Welcome Bonus No standard welcome bonus

Card Material Plastic card with matte finish • colors: Black

Apply for Costco Anywhere Visa →

Practical Recommendation

If you're already a Costco member, this is a "set it and forget it" keeper for gas, dining, and travel. Just know your cash back doesn't show up monthly—it arrives once a year as a certificate you redeem at a U.S. Costco register (you can take cash if you don't spend it all).

No foreign transaction fees is a nice touch for international trips. Bottom line: great value if Costco (and Costco gas) are in your routine; less exciting if you want flexible points you can transfer.

Perks

Earning structure (recap) – 5% gas at Costco and 4% other gas/EV on a combined $7,000 per year (then 1%); 3% restaurants and eligible travel; 2% Costco & Costco.com; 1% everything else.
Annual reward certificate redemption – Your yearly cash back is issued as a single certificate with your February statement; redeem for merchandise or cash at U.S. Costco warehouses. Unused balance is paid out in cash at the register. Expires Dec 31 of the year issued.
Membership requirement & fees – $0 annual fee for the card, but you must keep a paid Costco membership active to apply and keep earning.

Protections

Worldwide Car Rental Insurance (secondary in the U.S.) – Up to $50,000 for damage/theft when you pay with the card and decline the rental agency's collision damage waiver; rentals up to 31 days.
Roadside Dispatch – Pay-per-use help for towing, lockouts, jump starts, or fuel delivery; you pay the service provider's fee.
Travel & Emergency Assistance – 24/7 coordination (referrals, help with arrangements); you pay any third-party costs.
Worldwide Travel Accident Insurance – Up to $250,000 for covered common-carrier accidents when fares are paid with the card.
Damage & Theft Purchase Protection – Covers eligible new items for damage or theft within 120 days (90 in NY), up to $1,000 per item/$50,000 per account year.