Costco Anywhere Visa® Business Card By Citi

The Costco Anywhere Visa® Business Card By Citi is a rewards card designed for small business owners who shop at Costco. Warehouse stores such as Costco don’t often qualify for cash back on other cards, so this card is a good value. Technically, it doesn’t have an annual fee, but you do need to be a Costco member, which is currently $60 a year. The rewards are good, but there is no welcome offer.

One quirk is that you can only redeem rewards once a year after your February statement closes and only redeem them at Costco. We dive into the details in this Costco Business review.

Costco Business

Our Rating


Welcome Offer


Annual Fee

$0 (requires Costco membership)

0% Intro on Purchases


Reward Rate

1% to 4% cash back

0% Intro on Balance Transfers


Editorial Review

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
BenefitsPurchase Protection, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Luggage Protection, Roadside Assistance, Travel Accident Insurance


1% cash back
On all other eligible purchases
Earn unlimited 1% on all other purchases
2% cash back
Select Categories
Earn unlimited 2% on all other purchases from Costco and
3% cash back
Earn 3% cash back on eligible travel, including Costco Travel
3% cash back
Earn unlimited 3% on restaurants
4% cash back
Earn 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter.

Interest Rates & Fees

Annual Fee$0 (requires Costco membership)
Foreign Transaction FeeNone
Regular APR20.49% (V) APR


Purchase Protection

Damage & Theft Purchase Protection may cover you for repairs or a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).

Pros & Cons

  • No annual fee
  • No foreign transaction fee
  • Up to 4% cash back
  • No welcome bonus
  • High APR
  • Requires good credit
  • Requires Costco membership

What Are the Best Alternatives?

Capital One Spark Miles for Business
Capital One Spark Miles for Business



Rewards Range

2x to 5x miles

Annual Fee

$0 intro for first year; $95 after that

The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card



Rewards Range

1% - 2%

Annual Fee

No annual fee

Amazon Business Prime American Express Card
Amazon Business Prime American Express Card



Rewards Range

1% to 5%

Annual Fee

No annual fee

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