Cards
Cash BackCitiNo Annual Fee
Costco Anywhere Visa
Key facts
Annual feeNo annual fee
NetworkVisa
Rewards currencyCostco Dollars
Recommended creditGood – Excellent (720+)
Reward rates
4% Gas Stations, 5% at Costco Gas Stations(up to $7,000/year)
3% Restaurants
3% on Travel
3% on Costco Travel
2% on Costco/Costco.com
1% on everything else
Travel benefits
Travel Accident Insurance
Covered. Travel accident insurance provides up to $250,000 in accidental death or dismemberment (AD&D) coverage when the full common carrier fare is paid with the card.
Purchase protections
Purchase Protection
Covered. Damage and theft protection on eligible purchases made with the card. Coverage within 120 days of purchase (90 days for New York residents). Up to $1,000 per item, up to $50,000 per year. Excludes boats, cars, aircraft, consumables, and gift cards.
Other benefits
Authorized User Fee
$0. Authorized users can be added at no additional cost.
Secondary Rental Car
Covered (secondary in U.S., primary internationally). Collision damage waiver (CDW) covers damage or theft up to $50,000 per rental for the first 31 days when you decline the rental company's CDW and charge the full rental to the card.
Primary Rental Car
None in the U.S. Rental car coverage is secondary domestically. Coverage is primary internationally when renting outside the U.S.
Earn Rates
4% cash back on eligible gas and EV charging worldwide (first $7,000 per year, then 1%); 3% cash back on restaurants and eligible travel worldwide; 2% cash back on all other Costco and Costco.com purchases; 1% cash back on all other purchases. Cash back distributed once a year as a Costco Cash Reward certificate redeemable at Costco warehouses.
Best for
GasDining
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Costco Anywhere Visa, a product of Citi — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.