Costco Citi Card Travel Out of Country

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If yous take a Costco membership, the Costco Anywhere Visa® Card by Citi can earn yous greenbacks dorsum on your spending at the warehouse giant. To make it even ameliorate, the card also earns bonus cash back on a variety of spending categories, giving you plenty of chances to rack up more rewards.

This Costco Anywhere Visa® Bill of fare past Citi review will provide you all the info you need to decide whether this carte from Citi, which is an advertising partner with The Rising, deserves a place in your wallet.

Costco Anywhere Visa® Card by Citi

Intro Apr

Purchases: N/A

Balance Transfers: North/A

Regular April

15.49%, variable

Annual Fee

$0 for Costco members

Hard to trounce for Costco shoppers with the lucrative rewards program and no annual fee for members. The gas greenbacks back earning potential is amidst the highest you'll find.
- Gas rewards
- Costco rewards
- Travel and dining rewards
- Purchase protections
- No foreign transaction fee
- No sign-up bonus
- No intro APR offering
- Clunky greenbacks back redemptions
- Discover one of Citi's best greenbacks back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas for the first $7,000 per twelvemonth and and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% greenbacks dorsum on all other purchases
- No annual fee with your paid Costco membership and enjoy no strange transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
- The standard variable APR for Citi Flex Plan is xv.49%. Citi Flex Plan offers are made bachelor at Citi's discretion.

Full Costco Visa Bill of fare review

This credit menu is a expert fit for: Costco shoppers who have high spending at the warehouse store and on gas.

Top perks

Upward to four% back: The greenbacks dorsum rates on this carte du jour are splendid and on par with the very best credit cards. You lot'll earn 4% back on all eligible gas purchases, up to a spending cap of $7,000 per year. That includes Costco gas stations. You lot'll also get iii% back on restaurant and travel spending, which includes Costco travel purchases. Other eligible spending at Costco or on Costco.com earns 2% back. On all other eligible purchases, you get ane% back.

If you spend quite a scrap on gas and groceries, the cash back rates on this card volition be right up your alley.

No annual fee: This is a no-annual-fee carte. To be fair, yous do need to pay an almanac fee for a Costco membership. You're probably already a fellow member if you're checking out a Costco credit menu, though. If you go this card, it also effectively replaces your Costco membership bill of fare.

No foreign transaction fees: If you're taking a trip out of the land, the Costco Anywhere Visa® Card by Citi doesn't accuse an additional fee for foreign transactions. Given that it likewise earns bonus cash back at restaurants and on travel purchases, this card is a solid travel credit card pick.

Damage and theft purchase protection: This card offers free buy protections that embrace the costs of refunds or repairs on eligible claims. Coverage applies for 120 days after the purchase engagement except for New York residents, who go 90 days of purchase protection.

Compared to other top credit cards

This carte du jour: Costco Anywhere Visa® Card by Citi
For 0% intro April offers on both purchases and residual transfers: Banking company of America® Customized Cash Rewards credit carte
For a high apartment cash back charge per unit on purchases: Citi® Double Cash Card – 18 month BT offer

Equally of May. 06, 2022


Costco Anywhere Visa® Card by Citi	Bank of America® Customized Greenbacks Rewards credit card	Citi® Double Cash Card – eighteen month BT offer
Rating image, iv.50 out of 5 stars. 4.50 stars We desire your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.	Rating epitome, 4.50 out of v stars. 4.50 stars We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cut out-of-pocket costs.	Rating prototype, 5.00 out of 5 stars. 5.00 stars We desire your coin to piece of work harder for yous. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Apply Now for Costco Anywhere Visa® Card by Citi On Citi'southward Secure Website.	Apply Now for Bank of America® Customized Cash Rewards credit card On Bank of America's Secure Website.	Utilize Now for Citi® Double Cash Carte du jour – 18 month BT offer On Citi'southward Secure Website.
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Credit Rating Requirement: Excellent (740-850)	Credit Rating Requirement: Adept/Excellent (670-850)	Credit Rating Requirement: Good/Fantabulous (670-850)

Welcome Offer: N/A	Welcome Offer: $200 cash rewards	Welcome Offer: North/A

Rewards Program: 1% - 4% dorsum	Rewards Program: 1% - 3% cash dorsum	Rewards Program: Upwardly to 2% cash back

Intro April: Purchases: N/A Balance Transfers: N/A	Intro Apr: Purchases: 0%, 15 billing cycles Balance Transfers: 0%, 15 billing cycles	Intro APR: Purchases: N/A Remainder Transfers: 0%, eighteen months

Regular APR: 15.49%, variable	Regular APR: xiv.24% - 24.24% Variable	Regular Apr: 14.24% – 24.24%, variable

Annual Fee: $0 for Costco members	Annual Fee: $0	Almanac Fee: $0

Highlights: Discover one of Citi'south best cash dorsum rewards cards designed exclusively for Costco members iv% cash dorsum on eligible gas for the get-go $7,000 per year and and then 1% thereafter 3% cash dorsum on restaurants and eligible travel purchases ii% cash back on all other purchases from Costco and Costco.com 1% greenbacks back on all other purchases No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases Receive an annual credit carte du jour reward document, which is redeemable for greenbacks or merchandise at U.S. Costco warehouses, including Puerto Rico The standard variable April for Citi Flex Plan is fifteen.49%. Citi Flex Plan offers are made available at Citi'southward discretion.	Highlights: $200 online greenbacks rewards bonus afterward you make at least $ane,000 in purchases in the first 90 days of account opening. Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined option category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases. If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every buy. That means you could earn upward to 5.25% cash back on purchases in your choice category. No annual fee and no expiration on rewards. 0% Introductory APR for 15 billing cycles for purchases, and for whatever residual transfers fabricated in the first threescore days. Afterwards the intro APR offer ends, 14.24% - 24.24% Variable April will apply. A 3% fee (min $10) applies to all balance transfers. Contactless Cards - The security of a scrap card, with the convenience of a tap. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You tin can have advantage of this offering when you apply now.	Highlights: Earn ii% on every purchase with unlimited i% cash back when yous buy, plus an additional ane% every bit you pay for those purchases. To earn cash back, pay at least the minimum due on fourth dimension. Rest Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be fourteen.24% - 24.24%, based on your creditworthiness. Rest Transfers do not earn greenbacks back. Intro April does not apply to purchases. If you transfer a residue, interest volition be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro residual transfer fee of 3% of each transfer (minimum $5) completed within the beginning iv months of business relationship opening. Afterwards that, your fee will exist 5% of each transfer (minimum $5). The standard variable APR for Citi Flex Plan is 14.24% - 24.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi'south discretion.
Employ Now for Costco Anywhere Visa® Card by Citi On Citi's Secure Website.	Employ Now for Banking concern of America® Customized Greenbacks Rewards credit carte On Bank of America's Secure Website.	Apply At present for Citi® Double Cash Card – eighteen calendar month BT offer On Citi'due south Secure Website.
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What could be improved

Rewards on Costco purchases: A minor criticism of this card's cash back rates is that it gets yous merely 2% dorsum when y'all shop at Costco or Costco.com. Some store credit cards offer 3% or more than back at their respective brands, so Costco's credit card comes upwards a bit short.

No sign-up bonus: If you're looking for big sign-upwardly bonuses, y'all won't find one with this menu.

No 0% intro APR: 0% intro Apr offers can save you coin on expensive purchases that you demand some time to pay off. One time over again, the Costco Anywhere Visa® Menu past Citi doesn't offer this kind of benefit.

I cash back distribution per yr: The biggest frustration with this card is an archaic method of getting your greenbacks dorsum. After the close of your February billing argument, Costco will ship you your cash back from the previous year. Nearly cardholders get a reward document, but Citi and Costco may decide on another method for cash back amounts of over $10,000.

The reward document is valid for cash back or Costco purchases, and you have until Dec. 31 of the year yous go information technology to use it.

Getting your cash back one time per year isn't platonic. What makes it even worse is that you lose all that cash back if your card is canceled before Costco sends you the reward certificate. Compared to other cash back cards, this Costco credit card doesn't make it very user-friendly to greenbacks in what you've earned.

TIP

How to increase your overall cash back

Y'all tin can earn 2% dorsum on purchases by becoming a Gold Star Executive Costco member. You'll still earn the two% base rate this card offers, pregnant a total of 4% back on regular purchases and v% back on Costco travel.

Find the best credit card for your needs

Compare credit bill of fare rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

The recommended credit score to apply for the Costco Anywhere Visa® Card by Citi is 720 or higher. This credit menu is intended for shoppers with excellent credit. You lot will as well need to exist a Costco member and provide your membership number when you apply.

This card is correct for you if:

The Costco Anywhere Visa® Menu by Citi is a perfect fit if you do about of your shopping at Costco or if you bulldoze often and spend a lot of coin on gas. It tin exist especially valuable for those families who ring up big Costco bills and want to start getting rewarded for it. And if you lot accept a Costco Golden Star Executive membership, you should absolutely get this carte du jour to boost your greenbacks back.

If yous shop at a variety of different retailers or if you want cash back you lot tin redeem any fourth dimension, then you're better off checking out these top cash back cards.

FAQs

The minimum credit limit for the Costco Anywhere Visa® Card past Citi is $500, only information technology's possible to receive a much higher limit depending on your creditworthiness. Some cardholders have reported limits of more than $25,000 with this credit card.
Y'all can utilise information technology anywhere Visa is accepted.
Yes, this bill of fare can help to build credit, whatsoever credit card can. Citi, the card issuer, reports card activity to all iii consumer credit bureaus. When you use the menu regularly -- and consistently pay the neb on fourth dimension -- it can heave your credit score.

The Motley Fool owns shares of and recommends Visa.