Variable penalty APR up to 29.99% and applies if you pay late or your payment is returned. Enjoy no foreign transaction fees* with your Costco Anywhere Visa Cards by Citi no matter where life takes you. While we adhere to strict editorial integrity, this post may contain references to products from our partners. (Note that the Costco Visa credit card is issued by Citibank; you will make payments and receive customer service from Citi. Variable rates shown above are based on the 4.75% Prime Rate as of 07/01/2022. //nonce: f5c1e8a673e64d25bf7f01347a12c115 Fortunately, there are a number of traditional credit cards that have greater flexibility and are available to a broader range of shoppers. / Proud Money on YouTube

var spanElement = $('#7937d86df905464298e8e8d7191812ae');var element = spanElement.prev();element.on("click", function(event){CT.Navigation.loadExternalUrl('https://www.costco.com/join-costco.html');});spanElement.remove();$('#script-7937d86df905464298e8e8d7191812ae').remove();})(CT); The standard variable APR for purchases is 16.74%, and also applies to balance transfers and Citi Flex Plan. Pick-Up: %{=pickUpTime} - Drop-Off: %{=dropOffTime}, %{=pickUpAddress} var CT = CT || {}; Whats more, you must physically visit a Costco location to use your rewards in one transaction. var spanElement = $('#6a7948c7280f43c2943d537613da204a');var element = spanElement.prev();element.on("click", function(event){$namespace.Analytics.trackPageView('home/externalUrl/https://costco-travel-us-mbr.custhelp.com/app/answers/detail/a_id/3641/kw/How%20do%20I%20cancel%20my%20vacation%20package%3F');;});spanElement.remove();$('#script-6a7948c7280f43c2943d537613da204a').remove();})(CT); to learn how. Like with the Customized Cash card, the Wells Fargo Active Cashs other introductory offers a $200 bonus cash rewards after spending $1,000 within the first three months and 15-month 0 percent intro purchase and qualifying balance transfer APR periods from account opening (then a lower 16.49 percent, 21.49 percent, or 26.49 percent, variable) help close the rewards value difference to make the Wells Fargo Active Cash a much more appealing offer to bulk buyers. / How To Pay American Airlines Baggage Fee Online //id: 43f5270c183046ed82725090505a807f //nonce: f5c1e8a673e64d25bf7f01347a12c115 The only way to get your rewards electronically off the bat is to earn an improbable $10,000 or more in cash back that year. //nonce: f5c1e8a673e64d25bf7f01347a12c115 / Best Travel Credit Cards //nonce: f5c1e8a673e64d25bf7f01347a12c115 (function($namespace) { - Opens a dialog Benefit Terms and Conditions The standard variable APR for cash advances is 26.74%. %[}]. var spanElement = $('#c3f10827d49a4d9c8e16de763d104176');var element = spanElement.prev();element.on("click", function(event){CT.Navigation.loadExternalUrl('https://citicards.citi.com/usc/LPACA/COSTCO/cards/Consumer/legal/index.html?BT_TX=1&ProspectID=18869411E2264BC891581576238C0EB0');});spanElement.remove();$('#script-c3f10827d49a4d9c8e16de763d104176').remove();})(CT); Apply online today //id: 46222c620de84e2f82d1ed1fae1dde35 However, paying off purchases over time is a big reason customers apply for retail cards in the store, so you may want to consider a zero-interest card that offers similar rewards if you fall in that camp. You receive all your rewards at one time as a rewards certificate, which must be redeemed before December 31 of that year, or youll lose the rest of the certificates balance. - Opens a dialog - Opens a dialog A FICO score/credit score is used to represent the creditworthiness of a With purchase protection, your eligible purchases may be reimbursed if theyre stolen or damaged for the first 120 days (90 days if youre a New York resident). There is no annual fee on the surface, but youll have to pay for a Costco membership to apply if youre not already a member. //id: 4ea7310aa7174744a714efa947b71ba4 ADVERTISER DISCLOSURE: Proud Money is an independent ad-supported service. Box 78019 The Costco Anywhere Visa Card is a solid pick as long as youre a Costco member, have excellent credit and have the patience to jump through a few hoops. Every reasonable effort has been made to maintain accurate information. %[if (pickUpAgencyName) {] Benefit Terms and Conditions While maybe not a deal-breaker for those who shop at Costco regularly, this is a huge drawback. For drivers under the age of 25, additional fees and/or restrictions may apply. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Do not refresh your browser or exit this page. Should you accept an early retirement offer? Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. We recommend an excellent credit score (a FICO score of 740 or higher, or a VantageScore of 781 or higher) for the best Costco Anywhere Visa Card by Citi approval odds. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Subject to credit approval. //id: 2eec67e9bebf4c18b631e1eb701e5e76 New cardmembers only. It not only offers 4 percent cash back at eligible gas stations beating out most gas credit cards but also 2 percent cash back on all Costco and Costco.com purchases.

financial product. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Not a member? Its a great all-around travel partner as well. Plus, with the required Costco membership and cash back restrictions lurking in the fine print, this co-branded store card may not be worth it for the few who qualify. Home equity line of credit (HELOC) calculator. Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases).

On the bright side, the 16.74 percent (variable) ongoing APR is lower than the average credit card interest rate and there are no foreign transaction fees to boot if you plan to use your travel category abroad. and independent research. Unfortunately, there arent any 0 percent intro APR offers if you had a few big purchases or a Costco run planned before applying. var spanElement = $('#91005c70662d49d3b1c9dcf459cee470');var element = spanElement.prev();element.on("click", function(event){CT.Navigation.loadExternalUrl('https://citicards.citi.com/usc/LPACA/COSTCO/cards/Consumer/legal/index.html?BT_TX=1&ProspectID=18869411E2264BC891581576238C0EB0');});spanElement.remove();$('#script-91005c70662d49d3b1c9dcf459cee470').remove();})(CT); Apply online today Most major retailers in the U.S. that accept credit cards accept cards from the four largest credit card networks: Visa, Mastercard, American Express and Discover. ", "The cash back on this card is the best we have found for everyday purchases. (function($namespace) { (function($namespace) { var CT = CT || {}; var spanElement = $('#169c72cb9536432ca57e6aa38a63d615');var element = spanElement.prev();element.on("click", function(event){CT.Navigation.loadExternalUrl('https://www.citicards.com/cards/credit/application/flow.action?app=UNSOL&ID=3405&HKOP=4c07d11f42cea78070d5f15d32610a2e45c3334c986d8f68f3be95ccb7c78f4c');});spanElement.remove();$('#script-169c72cb9536432ca57e6aa38a63d615').remove();})(CT);or by phone at 1-800-539-9721. But its common for retail cards to offer up to 5 percent back at their store including the previously mentioned Capital One Walmart Rewards and Amazon credit cards. Oddly, these travel reward exclusions rule out commuter and train travel too. //id: a9aa1fd36209421a8d6f9d3cea047a9c Bankrateexpert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. So you wont have to dig through your wallet looking for your membership card. (function($namespace) { Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate.com does not include all companies or all available products. Click to join.//nonce: f5c1e8a673e64d25bf7f01347a12c115 - Opens a dialog The earning rate is stronger than many non-store-branded cash back cards, but the inconvenient redemption process might be a deal-breaker if you didnt plan to use it at Costco as often. From trips to the gas station to trips around the world, you can earn on all your travels with the Costco Anywhere Visa Cards by Citi. Can only redeem cash back once per year in a physical Costco store for a rewards certificate that must be used within a year, which may make the card too inconvenient for casual Costco shoppers, Requires a Costco membership to apply (at least $60 annually), No welcome offers and limited benefits make the card relatively one-note, The 2 percent rate on Costco and Costco.com purchases isnt particularly rewarding for loyal shoppers since it can easily be matched by general cash back cards.

Bankrate.com does not include the entire universe of available financial or credit offers.Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. //id: 010f01c96958492b80e3e99cbbc039fb Regardless, typical drivers should feel comfortable leaning on this cards other categories for an average yearly rewards value of about $337 calculated with the BLS most recent data and an estimated $15,900 yearly spend. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Enter your criteria and we'll find the best offer across car companies. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey.

Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Purchase protection is a standard benefit for shopping-focused cards, and although wed love a few more layers of insurance like extended warranty coverage or return protection, basic purchase protection is still welcome since it isnt a given on store cards. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. (function($namespace) { P.O. var CT = CT || {}; //nonce: f5c1e8a673e64d25bf7f01347a12c115 Unless otherwise noted, optional services such as airfare, airport transfers, shore excursions, land tour excursions, etc. - Opens a dialog Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. This compensation may impact how, where and in what order products appear. If you shop at superstores like Walmart or Target, a flat-rate card might be the way to go.