Costco Anywhere Visa Card Calculator
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 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
- 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
- Citi considers travel to be:
- 3% Restaurant
- Includes fast food, fine dining establishments, and some food delivery services.
- 2% Costco
- Includes in-store and online purchases made at Costco.com.
- 1% Non-Category
Perks & Benefits
The Costco Anywhere Visa features standard Visa benefits.
- Travel and Purchase Coverage
- Damage & Theft Protection
- Extended Warrarnty
Fees
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.
