
Earning rewards with Citi Com Costco is a great way to save money and get more value from your purchases. You can earn 2% cash back on all purchases, with no rotating categories or spending limits.
To get started, you need to have a Costco membership and a Citi credit card. This combination will give you access to the Citi Com Costco rewards program.
With the Citi Com Costco card, you can earn 4% cash back on gas, 3% on restaurants, and 2% on travel. These are the standard rewards categories, but keep in mind that they may change over time.
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Earning Rewards
Earning rewards with the Costco Anywhere Visa Card is a breeze. You can earn cash back rewards on various purchases, including gas, restaurants, travel, and more.
There's no limit to how many rewards you can earn. You can earn 5% cash back on gas at Costco and 4% cash back on eligible gas and electric vehicle (EV) charging purchases, up to $7,000 per year.
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The card also offers 3% cash back on restaurants and eligible travel, including Costco Travel. And, you'll earn 2% on all other purchases from Costco and Costco.com.
If you're a Costco Executive Member, you can earn an additional 2% cash back reward certificate, which will be distributed by mail two months before your annual renewal month.
To estimate your cash rewards, visit citi.com/costcorewards and use the sliding scale to enter how much you spend per category each month. This will automatically calculate the annual cash back at the bottom.
Here's a breakdown of the cash back rewards you can earn:
- 5% cash back on gas at Costco
- 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year)
- 3% cash back on restaurants and eligible travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Costco Visa Card
The Costco Visa Card is a great option for those who are already Costco members. You can earn cash back rewards on your purchases, and the card has no annual fee with an active/paid Costco membership.
The card offers 5% cash back on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging for the first $7,000 per year. After that, you'll earn 1% cash back on those purchases.
To apply for the card, you'll need to have an active/paid Costco membership. If you're not already a member, you can sign up in person at a local Costco warehouse, online at Costco.com, or by calling the Member Service Center.
Here are the benefits you can enjoy as a Costco Visa Card holder:
- 5% cash back on gas at Costco
- 4% cash back on other eligible gas and EV charging
- 3% cash back on restaurants and eligible travel
- 2% cash back on all other purchases at Costco and Costco.com
- No annual fee with an active/paid Costco membership
- No foreign transaction fees
Your rewards certificate will be issued once per year in February, and you can redeem it at any Costco warehouse in the US or Puerto Rico. You can access your certificate on the Citi Mobile App or by logging in to Citi Online.
Rewards Process
The rewards process for the Costco Anywhere Visa Card is a bit unique, but don't worry, it's easier than it sounds.
Your cash back rewards accumulate throughout the year, and after your February credit card statement closes, you'll receive your credit card reward certificate in your February billing statement.
To be eligible for a rewards certificate, you must be an active Costco member, have an open Costco Anywhere Visa Card account, and have earned more than $1 in rewards the prior year.
You can redeem your credit card rewards certificate in two ways: by presenting it at any Costco warehouse in the US or Puerto Rico, or by using the Citi Mobile App to access and save it.
If you're the primary cardholder of multiple Costco Anywhere Visa Card accounts, you'll receive a separate credit card rewards certificate in February for each account.
To estimate your Costco cash rewards, you can visit citi.com/costcorewards and use the sliding scale to enter how much you spend per category each month.
Here's a quick rundown of how to receive your rewards certificate:
- Check the last page of your February paper statement (or your email if you're enrolled in paperless).
- Access your rewards certificate through the Citi Mobile App.
- Present your paper or virtual rewards certificate for redemption at any Costco warehouse.
Remember, your credit card reward certificate expires on December 31 of the year it's issued, so be sure to redeem it before it's too late.
Calculating Rewards
You can estimate your Costco cash rewards from Citi by visiting citi.com/costcorewards and using the sliding scale to enter how much you spend per category each month.
The website will automatically calculate the annual cash back at the bottom, so you can see exactly how much you'll earn.
There is no limit to how many rewards you can earn with the Costco Anywhere Visa Card, so feel free to spend as much as you like.
To earn cash back rewards, you can use your Costco Anywhere Visa Card at Costco warehouses worldwide, online at Costco.com, and anywhere Visa is accepted.
Here's a breakdown of the cash back rewards you can earn:
Our Expert Take
The Costco Anywhere Visa Card by Citi is a valuable card to pair with a Costco membership, but the rewards program is more restrictive than what you get with a typical cash-back card.
While the rewards program may be more restrictive, it's still a great option for those who frequently shop at Costco, earning 4% cash back on eligible gas purchases and 3% cash back on restaurant and eligible travel purchases.
The card also comes with a $0 annual fee, which is a nice perk for those who want to earn rewards without paying extra.
However, the rewards program does have some restrictions, limiting the types of purchases that qualify for cash back.
To get the most out of the card, it's essential to carefully review the terms and conditions to understand what's eligible for rewards.
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