Card economics
Costco Anywhere Visa
An active Costco membership is required to hold this card; the membership fee is not modeled. Rewards are issued once a year as a Costco reward certificate redeemable at Costco, not as monthly cash back.
Annual fee
No annual fee
Foreign transaction fee
None
Some links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| 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
Many cards cap bonus earn rates at a set spending amount per year, quarter, or month. After hitting the cap, you earn the lower base rate. The optimizer automatically routes overflow spend to other cards.| Category | Bonus rate | 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 cap, spending in that category earns at the lower “after cap” rate. The optimizer automatically handles cap overflows.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. 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.