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Costco Anywhere Visa: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 63.0% across 78 cards. Issuer page ↗

Downsides first

• Penalty APR up to 29.99%
• Late fee up to $41
• Costco gas 5%; 2% Costco purchases not modeled; Costco membership required.

Terms & fees

• IssuerCiti
• Typecash back
• Annual fee$0 ($0 with an active Costco membership (membership cost not counted)) citi.com, 2026-10-12
• Regular purchase APR18.99%–26.99% variable citi.com, 2026-10-12
• Rewards1% base; 4% gas (to $7,000/yr); 3% dining; 3% travel citi.com, 2026-10-12
• Sign-up bonus (≈$)not found citi.com, 2026-10-12
• Intro APRnone No intro APR shown citi.com, 2026-10-12
• Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
• Penalty APRup to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12
• Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period23 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR28.74% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)18.74%–26.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months23,436
• Trend▲ 28.7% (last 12 mo 23,436 vs prior 12 mo 18,210)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)15.14
• Top issueProblem with a purchase shown on your statement
• Insurance statusFDIC-insured: Citibank, National Association (cert 7213, active; deposits $1,547.6B as of 06/30/2026)

Company-level (CITIBANK, N.A.), all products, as of 2026-10-12. Citi complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 ($0 with an active Costco membership (membership cost not counted)) (as of 2026-10-12). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 5.5/10Base 1% on everything, top category 4% (as of 2026-10-12; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 1% base; 4% gas (to $7,000/yr); 3% dining; 3% travel
• Sign-up bonus n/a/10not found — unknown, scored 2.7/10 (lower of neutral 5 and comparison median)
• Intro 0% APR 0.0/10No intro APR shown (as of 2026-10-12). Score = months/21×10.
• Regular APR 7.9/1018.99%–26.99% variable (as of 2026-10-12); midpoint 22.99%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 10.0/10No foreign transaction fee (as of 2025-12-31).
• Regulatory record (CFPB) 8.0/10Issuer Citi: Base 10, −2 CFPB 2023-11

0.143×10.0 + 0.143×5.5 + 0.143×2.7* + 0.143×0.0 + 0.143×7.9 + 0.143×10.0 + 0.143×8.0 = 6.30 → 63.0% (* unknown, imputed)

Is Costco Anywhere Visa worth it? (break-even math) →Value for my spending →

Compare with

Costco Anywhere Visa vs Chase Freedom Unlimited · Costco Anywhere Visa vs Chase Freedom Flex · Costco Anywhere Visa vs Citi Double Cash · Costco Anywhere Visa vs Wells Fargo Active Cash · Costco Anywhere Visa vs Capital One Quicksilver · Costco Anywhere Visa vs Capital One Savor

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Costco Anywhere Visa annual fee?

$0 ($0 with an active Costco membership (membership cost not counted))

What is the Costco Anywhere Visa APR?

18.99%–26.99% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.