CitiCostco Anywhere Visa
$0 with paid Costco membershipCostco members with gas, dining, and travel spend
Annual certificate redemption and paid Costco membership
Check current offer This link goes to Citi’s site. Dean earns nothing if you apply.Citi Costco Anywhere Visa
Annual fee $0 with paid Costco membership. Tiered cash back on eligible gas and EV, restaurants, travel, Costco, and other spend.
See if it fits my walletDean’s short answer
Best fit: Costco members with gas, dining, and travel spend.
Retail co-brandGasDiningTravel
This card and its closest alternatives
The 3 reviewed personal cards that share the most card types and features with the Costco Anywhere Visa.
When a link pays Dean a commission, the card says so right there. Paid or not, the ranking never changes, and no issuer sponsors or endorses Dean. Approval, rates, and terms are controlled by the card issuer.
Wells FargoAutograph
$0Wells Fargo Autograph
Annual fee: $0, against $0 with paid Costco membership for the Costco Anywhere Visa. Best fit: People wanting broad no-fee categories. Dean’s catalog lists it as: Travel, Dining, Gas, Transit, Streaming, Phone.
Read Dean’s reviewCitiStrata Premier
$95Citi Strata Premier
Annual fee: $95, against $0 with paid Costco membership for the Costco Anywhere Visa. Best fit: Travelers wanting broad 3X everyday categories. Dean’s catalog lists it as: Travel, Dining, Grocery, Gas, Transferable points.
Read Dean’s reviewU.S. BankAltitude Connect Visa Signature
$0U.S. Bank Altitude Connect Visa Signature
Annual fee: $0, against $0 with paid Costco membership for the Costco Anywhere Visa. Best fit: Travelers wanting no annual fee and a few lounge visits. Dean’s catalog lists it as: Travel, Gas, Lounge visits.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Costco Anywhere VisaCiti | $0 with paid Costco membership | Tiered cash back on eligible gas and EV, restaurants, travel, Costco, and other spendNo foreign transaction fee; Costco-linked reward certificate | Costco members with gas, dining, and travel spend | Annual certificate redemption and paid Costco membership | Citi Checked 2026-07-22 |
| AutographWells Fargo | $0 | 3X restaurants, travel, gas, transit, popular streaming, and phone plans; 1X otherNo foreign transaction fee; cell-phone protection; transfer partners under current program | People wanting broad no-fee categories | Transfer-partner set is smaller than some rivals | Wells Fargo Checked 2026-07-22 |
| Strata PremierCiti | $95 | 10X portal hotels, car rentals, attractions; 3X air, hotels, dining, supermarkets, gas and EV; 1X other$100 annual hotel benefit on qualifying Citi Travel stay; transfer partners; travel protections | Travelers wanting broad 3X everyday categories | Hotel benefit requires qualifying portal booking | Citi Checked 2026-07-22 |
| Altitude Connect Visa SignatureU.S. Bank | $0 | 5X portal hotels and cars; 4X travel and capped gas or EV; 2X dining, streaming, and groceryLimited Priority Pass visits; application-fee credit; no foreign transaction fee | Travelers wanting no annual fee and a few lounge visits | Gas cap and point redemption values can vary by method | U.S. Bank Checked 2026-07-22 |
What it earns
Tiered cash back on eligible gas and EV, restaurants, travel, Costco, and other spend.
What comes with it
No foreign transaction fee; Costco-linked reward certificate.
Dean treats these as the reasons to hold the Costco Anywhere Visa. If you would not use them, the card is worth less to you than its marketing says.
- No foreign transaction fee
- Costco-linked reward certificate
Who can get it
Dean lists the Costco Anywhere Visa for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Citi decides approval, your credit limit, and your rate when you apply.
The catch
Annual certificate redemption and paid Costco membership.
Annual fee: $0 with paid Costco membership. Dean checked the fee and terms against Citi on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
How a fixed-value travel rewards card works
Miles or points offset travel purchases at a defined rate. Simple travel redemptions with fewer blackout concerns.
Best for: Travelers who value ease over award optimization. Watch for: Travel-only redemptions can be less flexible than cash.
How a premium travel card works
High-fee cards bundle lounge access, travel credits, status, and protections. Airport lounges, hotel programs, travel credits, concierge, insurance.
Best for: Frequent travelers who naturally use the credits. Watch for: High fees and fragmented credits create breakage.
How a airline co-brand card works
Rewards and perks tie to one airline or alliance. Free checked bags, priority boarding, lounge access, companion benefits, award discounts.
Best for: People loyal to a specific airline. Watch for: Lower value when flying other airlines; devaluations are outside the issuer's control.
How a hotel co-brand card works
Rewards and benefits tie to one hotel program. Elite status, anniversary nights, elite-night credits, on-property earning.
Best for: Travelers who repeatedly stay with one hotel group. Watch for: Free-night rules, resort fees, and program changes can limit value.
How a dining and food card works
Elevated rewards on restaurants, delivery, and sometimes groceries. Strong return on food spending and occasional dining credits.
Best for: Households that spend heavily on food. Watch for: Superstores, clubs, meal kits, and overseas dining can code differently.
How a retail open-loop co-brand card works
Merchant-branded Visa, Mastercard, or Amex that also works elsewhere. High merchant rewards plus general network acceptance.
Best for: Loyal customers who still need an everyday payment card. Watch for: Outside-merchant rewards are often weak.
How a deferred-interest retail or medical card works
Interest is waived only if the promotional balance is fully paid by the deadline. Can finance a large eligible purchase without interest when repaid on time.
Best for: Disciplined borrowers with a fixed payoff plan. Watch for: If the balance remains, retroactive interest can apply to the original purchase date.
How a business travel card works
Business card with points, airline, hotel, or premium travel benefits. Employee cards, travel protections, lounges, category rewards, large-spend bonuses.
Best for: Businesses with recurring travel or advertising, shipping, and software spend. Watch for: High fees and portal requirements must match real company spend.
Flat rewards: how to value it
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Travel portal multiplier: how to value it
Higher rewards or credits for issuer-portal bookings.
Conditions to check: Portal price, cancellation rules, elite credit, and direct-booking benefits. Compare the total trip terms, not only the multiplier.
Annual travel credit: how to value it
Statement credit or instant discount for eligible travel.
Conditions to check: Calendar versus cardmember year, portal or merchant restrictions, exclusions. Value it at face value only if you would use it naturally.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.