Is the Costco Anywhere Visa Card by Citi worth a spot in your wallet?
The honest math on the Costco Anywhere Visa Card by Citi: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Citi · No annual fee (The card itself has no fee, but you must hold an active, paid Costco membership to apply for or keep it — $65/yr Gold Star or $130/yr Executive. Not counted as part of this card's fee: unlike a card-bundled subscription, Costco membership buys warehouse shopping access, gas, and Costco Travel independent of which card (or payment method) you use in-store, so it isn't a cost this card imposes on you.) · cash back
Earning rates
- 5x Gas at Costco (Shares a $7,000/yr combined cap with other gas & EV charging below, then 1%)
- 4x Other eligible gas & EV charging ($7,000/yr combined with Costco gas above, then 1%)
- 3x Restaurants
- 3x Eligible travel — flights
- 3x Eligible travel — hotels
- 3x Eligible travel — car rentals, cruises, travel agencies, Costco Travel
- 2x Other Costco and Costco.com purchases
- 1x Everything else
Protections and perks (4)
- Worldwide Car Rental Insurance — Up to $50,000 toward repair costs or the rental car's cash value when you decline the rental company's collision/damage waiver and pay for the full rental with the card.
- Worldwide Travel Accident Insurance — Up to $250,000 per person for accidental death or dismemberment (with reduced payouts for lesser losses) when the full common-carrier fare is paid with the card.
- Damage & Theft Purchase Protection — New purchases covered 120 days (90 for New York residents) against damage or theft, up to $1,000 per item and $50,000 per calendar year.
- No Foreign Transaction Fees — No surcharge on purchases abroad.
Card data verified against Citi on 2026-08-23.
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