Citi Costco Anywhere Visa Business Card

Welcome Bonus

4% on eligible gas and EV charging

for the first $7,000 per year and then 1% thereafter

Annual Fee


Annual Rewards

Unlimited 3% on restaurants and eligible travel, including Costco travel.


Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

Citi Costco Anywhere Visa Business Card

The Costco Anywhere Visa Business Card is a credit card tailored for businesses that frequent Costco, offering substantial rewards for purchases at Costco warehouses and beyond. Issued by Citi, this card blends business functionality with lucrative cash back benefits, making it an attractive choice for entrepreneurs seeking savings on everyday business expenses.


  1. Generous Cash Back: The card offers substantial cash back rewards, especially in categories like gas and dining, making it lucrative for businesses with significant spending in these areas.

  2. No Annual Fee (Beyond Costco Membership): The absence of an additional annual fee, apart from the Costco membership fee, makes it a cost-effective option for businesses looking to maximize savings.

  3. Dual Functionality: Acting as both a credit card and a Costco membership card, it streamlines the purchasing process for businesses already integrated into the Costco ecosystem.

  4. Flexible Redemption: The cash back rewards are redeemable in the form of a reward certificate, providing flexibility for businesses to choose how they want to utilize their earned rewards.


  1. Restricted Redemption: While the rewards are substantial, the redemption is limited to Costco, potentially restricting options for businesses that prefer more versatile redemption choices.

  2. Variable APR: The APR can vary based on the applicant's creditworthiness, potentially leading to higher interest costs for those with lower credit scores.

  3. Membership Requirement: The card is only available to Costco members, which might be a drawback for businesses that don't frequently shop at Costco or those without a nearby Costco location.

Details & Eligibility

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  • $0
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  • Visa
  • No
  • 20.49%
  • 29.99%
  • 20.49%
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Key Features: The card is designed to reward businesses for their regular expenses. It offers an impressive 4% cash back on eligible gas purchases, including at Costco gas stations, up to $7,000 annually. Additionally, it provides 3% cash back on restaurant and eligible travel purchases, 2% cash back on all other purchases from Costco and, and 1% cash back on all other spending. Membership Requirement: To be eligible for the Costco Anywhere Visa Business Card, one must be a Costco member. This card serves as a dual-purpose tool, functioning both as a credit card and a Costco membership card. This feature simplifies the shopping experience for businesses already invested in the Costco ecosystem. Annual Fee and APR: There is no annual fee for the Costco Anywhere Visa Business Card, aside from the Costco membership fee. However, it’s crucial to note that the annual percentage rate (APR) can vary based on the applicant’s creditworthiness, ranging from a competitive low to average APR. Cash Back Redemption: Cash back earned with the Costco Anywhere Visa Business Card is distributed annually in the form of a reward certificate, which can be redeemed for cash or merchandise at Costco warehouses. This annual reward structure can be particularly appealing for businesses looking to reinvest their savings directly back into their operations.
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