Costco Anywhere Visa Card Calculator

Card Details & Costco Cash Back Calculator
4% Gas
3% Restaurant
3% Travel
2% Costco

Review the benefits of the Costco Anywhere Visa, calculate how much cash back you can earn based on spend, and compare the results against top cards.

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 Costco 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 February similar to the Sam's 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 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
    • Includes standard gas stations and Costco gas stations.
    • You will not receive the 4% gas bonus when used at other warehouse club gas stations.
    • Annual cap of $7,000 per year; you'll earn at non-category rate (1%) for the remainder of the year once cap is hit.
  • 3% Travel
    • Citi considers travel 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/rideshares
      • 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
  • 3% Restaurant
    • Includes fast food, fine dining establishments, and some food delivery services.
  • 2% Costco
    • Includes in-store and online purchases made at
  • 1% Non-Category

Perks & Benefits

The Costco Anywhere Visa features standard Visa benefits.

  • Travel and Purchase Coverage
    • Damage & Theft Protection
    • Extended Warrarnty


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 authorized 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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.

Rakuten Rewards

$20 Bonus
Earn $20 or 2,000 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $20+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads