Card economics
Costco Anywhere Visa
Annual fee
No annual fee
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
| Category | Rate |
|---|---|
| Costco Gas | 5%Up to $7,000/yr shared, then 1% |
| Gas stations (excluding Costco Gas) | 4%Up to $7,000/yr shared, then 1% |
| EV Charging | 4%Up to $7,000/yr shared, then 1% |
| Dining | 3% |
| Flights outside issuer portals | 3% |
| Hotels outside issuer portals | 3% |
| Travel - Car Rentals / Agencies / Cruises | 3% |
| Citi Travel - Flights | 3%Portal only |
| Citi Travel - Hotels | 3%Portal only |
| Citi Travel - Rental Cars | 3%Portal only |
| Citi Travel - Attractions | 3%Portal only |
| Amex Travel - Flights | 3%Portal only |
| Amex Travel - Hotels | 3%Portal only |
| Amex Travel - Car Rentals / Cruises | 3%Portal only |
| Bilt Travel - Flights | 3%Portal only |
| Bilt Travel - Hotels | 3%Portal only |
| Costco / Costco.com | 2% |
| Everything else | 1%Base rate |
Spending caps
| Category | Bonus rate | Annual cap |
|---|---|---|
| Costco Gas | 5% | $7,000/yrThen 1% |
| Gas stations (excluding Costco Gas) | 4% | $7,000/yrThen 1% |
| EV Charging | 4% | $7,000/yrThen 1% |
After reaching the annual cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Costco Anywhere Visa might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.
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