If you’re looking for a way to save bucks on your shopping trips, snagging a Costco credit card might just be your ticket! Not only does it reward you with cash back on purchases at Costco, but also at other retailers.
You can apply for the Costco Anywhere Visa® Card by Citi online, in-store, or even by phone—easy peasy! Just gather some basic info about yourself and your income, and you’ll be on your way.
Once you’re approved, you can start racking up cash back on gas, dining, traveling, and of course, those irresistible Costco buys.
One of the best parts? The Costco credit card doesn’t carry an annual fee if you have a paid Costco membership.
With all that shopping you’re going to do at Costco, it’s a smart move.
Plus, enjoy added perks like travel insurance and extended warranties on your purchases, making it an overall fantastic choice for diehard Costco fans.
Key Takeaways
- You’ll earn cash back rewards across various purchase categories.
- Applying is straightforward—do it online, in-store, or by phone using some basic personal info.
- With no annual fee and extra benefits for Costco members, this card is a win-win.
Getting Started with Your Costco Credit Card Application
The Costco Anywhere Visa serves as both a credit card and your Costco membership ID—pretty nifty, right? Just so you know, you need to meet some basic requirements and be an active Costco member to apply.
Eligibility and Requirements
Ready to apply? You’ll need to be at least 18 years old and have a valid Social Security number.
A good credit score is also a big plus; Citi will check your credit history when you apply.
They’ll want to know about your job and your annual income too, just to ensure you’ve got what it takes to manage those bills.
And of course, a Costco membership is mandatory.
If you don’t have one yet, you can easily sign up while applying for the card.
Applying on Costco.com
Thinking about applying online? It’s simple! Just head over to Costco’s website and find the credit card section.
Click “Apply Now,” fill out your personal and financial information, and you’ll be done in no time.
If you’re uncertain about the application process, Costco’s website has some handy guides.
Typically, you’ll get a decision within minutes.
If you have a business, check out business credit card options—they’ve got tailored solutions just for you.
Once approved, you can use your new card right away, whether you’re shopping in-store or online!
Here’s what you’ll need to have handy:
- Full name
- Address
- Phone number
- Social Security number
- Annual income
All in all, the application takes about 10-15 minutes.
Fingers crossed, you’ll get approved right away.
If not, don’t sweat it—Citi will send you a notification in the mail in just a few days.
Understanding Costco Membership
Don’t forget: a Costco membership is essential for the Costco Anywhere Visa card.
You’ve got two options:
- Gold Star: Your basic membership at $60 per year.
- Executive: A deluxe option for $120 per year, loaded with extra perks.
Your credit card also does double duty as your membership ID, so you can breeze through the entrance and checkout with fewer cards in your wallet.
The cash back reward? You’ll get it once a year as a certificate.
Use it at any U.S. Costco store or exchange it for cash—easy to redeem.
Just a tiny heads-up: if you decide to cancel your Costco membership, your credit card perks will go too, so keep that in mind!
Maximizing Your Card Perks and Rewards
The Costco Anywhere Visa Card is packed with great perks! Cardholders can earn cash back on various types of purchases, and those rewards really add up!
Earning Cash Back Rewards
This card dishes out cash back on different spending types.
Here’s the scoop: you’ll earn 4% back on eligible gas and EV charging, up to $7,000 a year—then it’s 1% after that.
Not too shabby! For dining out, you’ll get 3% back at restaurants, including cafes and fast-food spots.
If you love to travel, the card also rewards you with 3% back on eligible travel, covering airfare, hotels, and rentals.
And, of course, you’ll score 2% cash back on all your Costco purchases, both in-store and online.
Everything else? That’s 1% back, with no cap on how much you can earn.
Winning!
Benefits of the Costco Anywhere Visa Card
Oh, and did I mention there’s no annual fee as long as you have a Costco membership? That’s savings right from the get-go! Plus, the card doesn’t charge foreign transaction fees, which is a lovely perk if you travel abroad.
You’ll also get travel and purchase protections—because nobody likes it when things don’t go as planned.
Cardholders gain access to Citi Entertainment, offering special access to events and experiences—pretty cool, right?
The chip technology on the card adds extra security when you shop, giving you peace of mind.
Redeeming Costco Cash Rewards
Cash rewards arrive once a year as a certificate after your February billing statement.
It’ll show how much cash back you’ve earned, and you can use it at any U.S. Costco store.
Best part? There’s no minimum redemption amount!
Just remember, if you decide to cancel your Costco membership, any unredeemed rewards will be gone.
Use them up before saying goodbye!
Additional Card Features and Offers
Need to make a big purchase? The card offers Citi Flex Plans that let you split hefty costs into manageable monthly payments.
There’s even a business version of the card with similar rewards, tailored to fit business expenses.
Plus, you’ll have access to Citi Identity Theft Solutions if your identity ever falls under threat.
Lastly, you can set up account alerts to help you track spending and spot any fraud—always nice to know you’re in control.
The Costco Anywhere Visa also serves as your Costco membership ID, cutting down on the bulk in your wallet.
Pretty neat, huh?
Frequently Asked Questions
You might have questions about the Costco credit card application process, and I’ve got you covered! Here are some common inquiries people have when signing up.
What do I need to apply for a Costco credit card?
To get a Costco credit card, you need to be a Costco member.
Have your Social Security number and personal information ready, too.
A solid credit score can give you a better chance of approval, as Citi will check your credit history as part of the process.
Can you walk me through the online application process for the Costco Citi card?
Applying online is a breeze! Start by visiting the Citi website and clicking “Apply Now.” Fill in your personal details, income, and Costco membership info.
Post-submission, you’ll usually know if you’re approved within minutes!
What are some of the perks of having a Costco credit card?
The Costco Anywhere Visa is packed with perks.
You’ll earn 4% cash back on gas purchases up to $7,000 annually, plus 3% back on dining out and travel, 2% on Costco purchases, and 1% on everything else—all without an annual fee!
Who is eligible to apply for a Costco credit card?
To apply, you’ve got to be at least 18 years old and a U.S. resident, with an active Costco membership under your belt.
While there’s no stated minimum credit score, having a good score certainly boosts your chances of getting that approval.
What’s the best method to apply for a Costco credit card, online or in-store?
Both options work well! Applying online is quick and convenient, since you can do it from the comfort of your home.
On the flip side, applying in-store allows you to have a chat with Costco staff—always helpful if you want to ask questions.
You can swing by the membership counter at any Costco warehouse to get started.
How can I contact customer service for the Costco Citi card?
If you need to reach Costco Citi card customer service, call 1-855-378-6467.
You can find the number right on the back of your card!
You can also log into your account on the Citi website for additional online support.
For any general Costco membership inquiries, pop into a local warehouse or give them a call at 1-800-774-2678.