Costco Anywhere Visa - Cash Back Calculator

Costco Anywhere Visa Card

4% Gas
3% Restaurant
3% Travel
2% Costco

This page may contain links and/or referrals that would earn The Point Calculator points, miles, or other financial compensation. For more details, view the Advertising Policy.

The Costco Anywhere Visa is a cash back credit card offered by Citi Bank. It earns a significant amount of cash back on gas station purchases which also include Costo gas stations. It backs that up with spending categories focusing on travel, restaurants, and (of course) Costco purchases both in-store and online. One of the only drawbacks to this card is that the cash back earned with the card is offered annually during the month of Feburary similar to the Sams Club Mastercard. Even still, this is an excellent choice when it comes to earning cash back for road warriors.

Bonus Categories

The Costco Anywhere Visa features 4 bonus categories which are gas stations, restaurants, general travel purchases, and Costco Warehouses (as well as Costco.com). Purchases in these categories will earn you additional cash back. There is a limit of $7,000 per year on the gas station category in which any purchases over that will earn cash back at the non-category rate of 1% per $1 spent. The remaining categories do not have a cap. There is no limit to the amount of cash back you can earn with the Costco Anywhere Visa. Below are the details on the bonus categories.

4% Gas Station

Gas Station purchases on the Costco Anywhere Visa will earn 4% cash back per $1 spent. This includes Costco gas stations. This is one of the top cash back cards for gas station purchases. This bonus is capped at $7,000 per year or about $583 per month meaning you can earn up to $280 cash back at the rate of 4% cash back. The PNC Cash Rewards Card earns the same 4% cash back, but it has a cap of $8,000 a year which can earn you $320 cash back, but that's only if you avoid using the card for restaurants and grocery stores which pulls from that same cap. The Costco Anywhere Visa is beatable by a 3% cash back card (with no annual fee) once you break $10,500 in gas spending per year or $875 per month.

3% Travel

General travel purchases made on the Costco Anywhere Visa will earn 3% cash back per $1 spent. This is a solid return for a category as broad as 'travel'. Citi usually includes these kind of purchases to be:

  • Airlines
  • Hotels
  • Car rental agencies
  • Travel agencies/travel aggregators/tour operators
  • Gas stations, commuter transportation
  • Ferries
  • Commuter railways
  • Subways
  • Taxis/limousines/car services
  • Passenger railways
  • Cruise lines
  • Bridge and road tolls
  • Parking lots/garages
  • Campgrounds and trailer parks
  • Timeshares
  • Bus lines
  • Motor home/recreational vehicle rentals
  • Boat leases and rentals

While there are lots of great rewards cards that focus on the category of travel like the Citi ThankYou Premier Card and luxury Chase Sapphire Reserve Card, there are not many cash back cards that focus on this category. That alone makes this card stand out since you know that you will get a solid 3% cash back for all purchases.

3% Restaurant

If you love food, the Costco Anywhere Visa will earn you 3% cash back per $1 on restaurant purchases. This includes both fast food and fine dining establishments. For a card to offer such a high return on gas station purchases, the great earning rate of restaurants makes this card a solid option for someone who wants all their cash back in one place. If you're looking for cards that earn a little more for restaurants, the Barclay Uber Card offers 4% cash back on resturants and features 9 other bonus categories. What's best is that cash back earned with the Uber Card doesn't have to be used for Uber. It can be used for gift cards and statement credits which, in my opinion, makes it one of the best reward cards in the market.

2% Costco

Using the Costo Anywhere Visa Card at Costco Warehouses and on Costco.com will earn 2% cash back per $1 spent. Since Costco is a warehouse store, this is about the best return you will get on Costco purchases unless you're using a card that earns a higher return on general cash back like the Allian CashBack Visa Signature Card. If you have a Costco membership, this is the card to have when it comes to shopping in-store or online at their stores.

1% Non-Category

Any purchases on the Costco Anywhere Visa outside of the categories listed above will earn 1% cash back per $1 spent. This is a relatively low rate that should be avoided when possible. Citi offers the Citi Double Cash Card which offers 2% cash back on all purchases with no cap. This card can be used for any of the categories not features on the Costco Anywhere Visa to ensure that you will always earn at least 2% cash back per $1 spent.

Perks and Benefits

The Costco Anywhere Visa features standard Visa benefits such as damage & theft protection, extended warranty, and travel protection. Besides being able to use your card as your Costco Membership ID, there are no perks & benefits specific to Costco besides the extra earning on spending at their warehouses.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

While the Costco Anywhere Visa does not have an annual fee, it does require a paid Costco Membership which has a cost of $60 for basic. If you already a Costco Membership, adding this card to your wallet would be worthwhile for the extra return on shopping with them.

Authorized User Fee

There is no authroized user fee for the Costco Anywhere Visa. If you have friends or family that spend in these bonus categories, I recommend adding them as additional users in order to build cash back at a faster rate!

Foreign Transaction Fee

There is no foreign transaction fee for the Costco Anywhere Visa which is great considering it features a 3% earning on travel. That makes this a great choice for an international travel card since VISA is widely accepted worldwide!

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
-
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
-
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Loading...
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
-
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Use Rakuten when booking travel and shopping online to earn additional cash back on top of your reward points. Rakuten sends you directly to your favorite sites so you can shop as you normally would. It's easy! Sign up and earn $10 with your first purchase!
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
-

Recent News/Articles


Page Last Updated: 2018-12-04

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

Advertiser Disclosure: Advertisements are listed throughout this site. I may be compensated if you choose to use any of the links on this page. This includes, but is not limited to, making purchases, signing up for programs, and applying for credit cards. You can view the details of that on our Advertising Policy page.

About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

2019 The Point Calculator and its logo is copyrighted and owned by RF3 LLC. All Rights Reserved.