Is the Costco Credit Card Worth It? Budget Seniors, March 20, 2026March 20, 2026 💳⚖️💰 U.S. News • NerdWallet • CNBC Select • WalletHub • Verified March 2026 We ran the numbers across four real-world spending scenarios, compared the card to four alternatives, and built a personalized tool so you can see exactly whether this card saves or costs you money based on how you actually shop. © BudgetSeniors.com — Independent. Unsponsored. Always in Your Corner. ⚖️ The Honest Verdict — Based on Multiple Independent Reviews Yes — For Regular Costco Shoppers Who Pay in Full Monthly. No — For Infrequent Shoppers or Anyone Who Carries a Balance. U.S. News, NerdWallet, CNBC Select, and WalletHub all reach the same conclusion: the Costco Anywhere Visa® Card by Citi earns roughly 1.91 cents per dollar spent across all spending — making it one of the most lucrative no-annual-fee cash back cards available. But its annual reward certificate and Costco-only redemption model make it the wrong fit for everyone else. ✅ Great for frequent Costco shoppers ✅ Best gas rewards rate available ⚠️ Rewards paid once a year only ❌ No sign-up bonus ❌ Worthless if you carry a balance 💡 10 Key Facts About Whether This Card Is Worth It The Costco Anywhere Visa® Card by Citi is one of the most-discussed credit cards in personal finance — partly because Costco has over 75 million members and nearly everyone gets asked to apply at checkout. But “is it worth it?” has a different answer depending on your spending habits, your credit score, and whether you can commit to paying the full balance every month. Here is what seven independent financial publications found when they ran the numbers, verified as of March 2026. 1 What is the overall verdict — is the Costco credit card worth getting? Yes, for regular Costco shoppers — especially those who drive and fill up at the gas station regularly. U.S. News (Mar 2026) states directly: “If you’re an avid Costco shopper who does the bulk of your grocery and household shopping at the warehouse retailer, then the card can be worthwhile for you.” WalletHub (Mar 2026) names it an Editor’s Pick for Best Credit Cards for Seniors. CreditCards.com (Dec 2025) calculates an effective earning rate of approximately 1.91 cents per dollar across all spending — higher than most competitors. The key qualifier across all reviews: you must shop at Costco regularly and pay the balance in full every month for the card to deliver positive value. 2 What exactly do I earn — and how does the math work? 5% at Costco gas · 4% at other gas + EV charging (first $7,000/yr combined) · 3% dining & travel · 2% at Costco · 1% everywhere else. NerdWallet (Nov 2025) confirms: at the 4–5% gas rate alone, a driver spending just $5,600 per year on gas (about $108 per week) earns $280 in gas cash back — enough to cover more than 4 months of a Gold Star Costco membership. CNBC Select (Jan 2026) confirms the 3% dining rate applies to restaurants, fast food, cafes, and bars — a meaningful category for seniors who eat out. CreditCards.com calculates the blended rate across all spending at approximately 1.91 cents per dollar — significantly higher than competing no-annual-fee cards averaging around 1.60 cents per dollar. 3 Is there an annual fee? No annual card fee — but you must have an active Costco membership ($65 Gold Star or $130 Executive per year). The Costco Anywhere Visa® Card by Citi charges no separate annual fee from Citi. Your only recurring cost is the Costco membership you likely already pay — $65 for Gold Star or $130 for Executive (raised September 2024). FinanceBuzz (Mar 2026) notes this clearly: “the card won’t cost you any extra” if you’re already a paying Costco member. If you are not already a member, add the $65 membership cost to your analysis — the rewards need to exceed $65 annually to show a positive financial return. 4 Is there a welcome bonus for new cardholders? No — this card has never offered a sign-up bonus. This is one of its most significant weaknesses compared to competitors. Every major review — U.S. News, NerdWallet, CNBC Select, FinanceBuzz, and CardRates.com — confirms: there is no welcome bonus for the Costco Anywhere Visa® Card. Cards like the Wells Fargo Active Cash offer $200 for spending $500 in three months. The Bank of America Customized Cash Rewards offers $200 for $1,000 in the first 90 days. Citi offers nothing upfront. The card’s value is entirely in ongoing rewards over time — not in a first-year boost. If you are looking for immediate cash back on opening a card, look elsewhere first. 5 When do I get my cash back — and what are the redemption limitations? Once a year in February — as a certificate redeemable at a U.S. Costco warehouse. If rewards exceed $300, a direct deposit option is now available. All cash back earned from January through December is accumulated and issued as a single annual reward certificate with your February billing statement. The certificate can be redeemed at a U.S. Costco warehouse for cash or merchandise — but not on Costco.com. Credit Karma (May 2025) reveals an important update: “For cardmembers whose annual rewards total more than $300, there is an option to receive these funds as a direct deposit through the Citi app or citi.com.” Certificates expire on December 31 of the year they are issued. FinanceBuzz notes this annual-only payout is “inconvenient for some cardholders” — if you prefer monthly cash back, a different card serves you better. 6 What credit score do I need to qualify? Excellent credit — generally 720 to 740 or above. No prequalification available to check without a hard inquiry. NerdWallet (Nov 2025) sets the threshold at 720 or better. CNBC Select (Jan 2026) aligns with Experian’s definition of “very good” to “excellent” at 740 to 799 and 800+. CardRates.com (Feb 2026) states 740 or above for confident approval odds. Credit Karma’s actual member data shows the most common approved score is 817. WalletHub confirms Citi does not offer a prequalification option — meaning you must apply with a hard inquiry to find out if you are approved. For seniors who have maintained responsible credit over decades, approval odds are generally strong. For those who have had recent credit events, check your score before applying. 7 Is the card worth it if I might carry a balance some months? No — the APR of 18.74% to 26.74% completely eliminates any cash-back value the moment you carry a balance. Citi’s current APR range is 18.74% to 26.74% variable (based on the 6.75% Prime Rate as of January 1, 2026). A $2,000 unpaid balance at the midpoint rate costs approximately $450 in interest over 12 months — wiping out several years of cash-back earnings. CreditCards.com is explicit: “This is not a great card for people who carry a balance.” The card only delivers positive financial value for cardholders who pay the complete statement balance every single month, every month. Setting up automatic full-balance payment through Citi’s autopay system the day you receive the card eliminates this risk entirely. 8 Can I use the Costco credit card outside of Costco — and do I earn rewards? Yes — it works anywhere Visa is accepted worldwide and earns at least 1% on all purchases, with higher rates on gas, dining, and travel. NerdWallet (Nov 2025) describes the card as an “open-loop store card” — meaning it functions like any standard Visa everywhere, not just at Costco. In fact, in several spending categories you earn more from using it outside Costco: 4% on non-Costco gas versus 2% on Costco merchandise, and 3% on any restaurant versus 2% at Costco. There are also zero foreign transaction fees — making it genuinely useful for international travel spending. CNBC Select confirms: “find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature Concierge.” 9 What protections come with the Costco credit card beyond rewards? Purchase protection (120 days, up to $1,000 per item), travel accident insurance ($250,000), roadside assistance dispatch, and no foreign transaction fees. Citi’s official benefits guide confirms: damage and theft purchase protection for 120 days from purchase (up to $1,000 per item, $50,000 per year). Travel accident insurance of up to $250,000 on a common carrier when the full fare is charged to the card. Roadside assistance dispatch (free; you pay the service provider). Zero foreign transaction fees. FinanceBuzz notes Citi also provides fraud protection through the Citi Mobile® App’s Quick Lock feature, which instantly freezes the card if misplaced. J.D. Power ranked Citi sixth for credit card customer satisfaction in its most recent study — solid, if not the highest rating available. 10 Is there a better card for Costco shopping? For some shoppers, yes — the Wells Fargo Active Cash (2% flat, $200 bonus), Citi Double Cash (2% flat), and Bank of America Customized Cash (2% at wholesale clubs + $200 bonus) all offer competitive alternatives with sign-up bonuses. CNBC Select (Jan 2026) identifies the Wells Fargo Active Cash as “great if you want simplicity” — 2% unlimited on everything, $200 sign-up bonus for spending $500 in 3 months, no annual fee. U.S. News recommends the Bank of America Customized Cash for shoppers who do not shop exclusively at Costco — it earns 2% at any wholesale club, not just Costco, with a $200 sign-up bonus. CreditCards.com identifies the Citi Double Cash as the closest overall alternative — 2% on everything with no annual fee and no restrictions. The Costco Anywhere Visa wins when you spend heavily on gas and dine out frequently — those 4–5% and 3% rates are genuinely hard to beat. Sources: U.S. News (Mar 2026) — “worthwhile for avid shoppers”; no annual fee; rewards breakdown; NerdWallet (Nov 2025) — open-loop; 5%/4% gas; $280 gas savings; 720+ credit; no prequalify; CreditCards.com (Dec 2025) — 1.91¢/dollar; alternative cards; CNBC Select (Jan 2026) — purchase protection; Visa Signature Concierge; Wells Fargo Active Cash alternative; CardRates.com (Feb 2026) — 740+ FICO; no prequalification; WalletHub (Mar 2026) — Editor’s Pick Best Credit Cards for Seniors; FinanceBuzz (Mar 2026) — no welcome bonus; limited redemption; only worth it if regular shopper; Credit Karma (May 2025) — $300+ direct deposit option; Citi.com (Mar 2026) — APR 18.74%–26.74%; 6.75% Prime Rate 1/1/2026; benefits guide; Experian — excellent credit definitions; J.D. Power — Citi 6th satisfaction 🧮 Real Math — What You Actually Earn in Four Scenarios 📌 How to Read These Calculations Each scenario shows a realistic spending profile for a Costco member, calculates the annual cash back earned by category, subtracts the effective membership cost, and shows the net value. These are based on actual published rates from Citi.com and NerdWallet’s gas savings calculations. Adjust figures based on your own spending. The “net benefit” row assumes you already have a Costco membership for other reasons — if you joined solely for the card, subtract the full $65 membership cost. 🚗 Scenario A: Regular Driver + Active Costco ShopperFills up weekly; shops at Costco 2–3x/month; dines out occasionally +$398/yrNet Value ⛽ Gas: $5,600/yr at Costco gas (5% = $280) + $1,400 elsewhere (4% = $56)$336 🏬 Costco purchases: $3,600/yr at 2%$72 🍽️ Dining out: $1,200/yr at 3%$36 🌍 Other spending: $3,600/yr at 1%$36 Total Annual Cash Back$480 ➖ Effective membership cost (already a member, card portion)-$82 ✅ Net Annual Benefit$398 This is the ideal Costco cardholder. The gas rewards alone nearly cover the entire membership fee. Very much worth it. 🛒 Scenario B: Light Costco Shopper, Minimal DriverShops at Costco occasionally; buys most groceries elsewhere; limited driving +$57/yrMarginal Value ⛽ Gas: $1,500/yr at non-Costco stations (4% = $60)$60 🏬 Costco purchases: $900/yr at 2%$18 🍽️ Dining: $600/yr at 3%$18 🌍 Other spending: $3,600/yr at 1%$36 Total Annual Cash Back$132 ➖ Effective membership cost-$75 ⚠️ Net Annual Benefit$57 Marginal value. A Wells Fargo Active Cash with $200 sign-up bonus would earn more in year one. The Costco card pulls ahead in year two — but only slightly. U.S. News: “It makes less sense to get the card if you do only a small fraction of shopping at Costco.” ⭐ Scenario C: Executive Member — Heavy Costco Shopper + Frequent TravelerSpends heavily at Costco; fills up twice weekly; travels a few times a year +$824/yrStrong Value ⛽ Gas: $7,000/yr (cap) at 5% Costco gas$350 🏬 Costco purchases: $8,000/yr at 2%$160 ✈️ Travel + dining: $4,000/yr at 3%$120 🌍 Other spending: $6,000/yr at 1%$60 Total Annual Cash Back$690 ➖ Executive Membership cost (card portion allocated)-$130 + Executive 2% Rebate (on $8,000 Costco spend)+$160 + Direct deposit option available (rewards >$300)✅ ✅ Net Annual Benefit$720+ Excellent value. The card and Executive Membership work together powerfully. Rewards above $300 can be received as direct deposit via the Citi app — no warehouse trip required to claim them. 🚨 Scenario D: Carries a $1,500 Monthly BalanceRegular Costco shopper who sometimes pays less than the full balance -$160/yrNegative Value Total annual cash back (same as Scenario A)$480 🚨 Interest on $1,500 avg balance at 18.74% APR-$281 ➖ Membership cost-$82 Other variable fees (late payment, etc.)varies ❌ Net Annual Benefit−$160 or worse Negative value. Even at the lower end of the APR range, interest charges consume the rewards entirely. CreditCards.com: “This is not a great card for people who carry a balance.” Set up autopay for the full statement balance before using the card for any purchase. Sources: Citi.com (APR 18.74%–26.74%; rewards rates; gas $7,000 cap); NerdWallet (Nov 2025 — $280 gas savings calculation; 4% non-Costco gas); CreditCards.com (1.91¢/dollar blended rate); CNBC Select (Jan 2026 — rate breakdown); Credit Karma (May 2025 — $300+ direct deposit option); U.S. News (Mar 2026 — infrequent shopper guidance); Costco.com (Executive $130; Gold Star $65). All calculations based on published rates and illustrative spending profiles — individual results vary. ✅❌ Complete Pros and Cons — Straight Talk ✅ Genuine Advantages ⛽5% gas at Costco, 4% elsewhere — among the highest gas cash back rates of any no-annual-fee card available 🍽️3% on all dining and travel — including fast food, cafes, airfare, hotels, car rentals, and Costco Travel 💰$0 annual fee — beyond the Costco membership you likely already pay 🌍No foreign transaction fees — earns full rewards internationally 💳Works everywhere Visa is accepted — not limited to Costco purchases 🛡️120-day purchase protection up to $1,000 per item / $50,000 per year ✈️$250,000 travel accident insurance on common carriers when fare charged to card 🔒Citi Quick Lock fraud protection — instantly freeze card via app if misplaced 💵Direct deposit option for rewards over $300 — no warehouse trip required 📞24/7 Citi customer service — Citi ranked 6th by J.D. Power for customer satisfaction ❌ Real Disadvantages 🎁No sign-up bonus — competitors offer $200 just for opening; this card offers $0 upfront 📅Rewards only once a year — February certificate; no monthly cash back flexibility 🏬In-warehouse redemption only — certificate not valid on Costco.com (unless $300+ direct deposit) ⛽$7,000/yr combined gas cap — drops to 1% after; heavy drivers may max this out 💳Requires excellent credit — 720–740 FICO minimum; no prequalification check 🏢Costco membership required — $65 (Gold Star) or $130 (Executive) per year; not a free card 💲High APR — 18.74%–26.74% makes carrying any balance financially destructive 🏬Only 2% on Costco purchases — not 5% or 6% like some store cards offer their own stores 📱No balance transfer promotion — no 0% intro APR for new cardholders 📋Merchant category codes matter — gas at grocery stores, superstores, or warehouse clubs (not Costco) may not qualify for 4% rate Sources: Citi.com (all rates; APR; Quick Lock; benefits guide; purchase protection; travel accident); NerdWallet (Nov 2025 — gas cap; 720+; open loop); FinanceBuzz (Mar 2026 — merchant category code caveat; no welcome bonus; limited redemption); Credit Karma (May 2025 — $300 direct deposit option); J.D. Power (Citi 6th satisfaction); CNBC Select (Jan 2026 — 24/7 concierge; alternatives); U.S. News (Mar 2026 — 2% Costco rate limitation) ⚖️ How It Stacks Up Against the Best Alternatives Card Annual Fee Sign-Up Bonus Best Rate Works at Costco Rewards Paid Costco Anywhere Visa (Citi) $0 (+membership) ❌ None 5% gas at Costco ✅ Yes — Visa Once/yr (Feb) Wells Fargo Active Cash $0 ✅ $200 bonus 2% on everything ✅ Yes — Visa Monthly Citi Double Cash Card $0 Limited offer 2% on everything ✅ Yes — Mastercard (online only) Monthly Bank of America Customized Cash $0 ✅ $200 bonus 2% at any wholesale club ✅ Yes — Visa Monthly Capital One Venture X $395/yr ✅ 75,000 miles 2x miles everywhere ✅ Yes — Visa Ongoing Discover Cashback Debit $0 (no credit card) ❌ None 1% on debit purchases ❌ Discover — not accepted in-store Monthly 🏆 When the Costco Card Wins Against Every Alternative No competing Visa card without an annual fee comes close to matching 5% on Costco gas, 4% on all other gas, and 3% on all dining simultaneously. For a senior who fills up at Costco weekly and eats out a few times a month, the Costco Anywhere Visa earns more than the Wells Fargo Active Cash (2% flat) or any other no-fee card in its category. The math only favors an alternative when: (a) you qualify for and value a $200 sign-up bonus more than the ongoing rate difference, (b) you drive very little, or (c) you need monthly reward flexibility. CNBC Select’s conclusion: “consumers can earn competitive rewards with the Costco Anywhere Visa Card” — and on gas especially, no comparable no-fee card beats it. Sources: CNBC Select (Jan 2026 — Wells Fargo Active Cash comparison; competitive rewards confirmed); U.S. News (Mar 2026 — Bank of America Customized Cash alternative; Blue Cash comparison); CardRates.com (Feb 2026 — Bank of America 2% wholesale clubs; $200 bonus); NerdWallet (Nov 2025 — Citi Double Cash comparison; gas rate advantage); Citi.com (Costco Anywhere Visa rates official) 🎯 Is It Worth It for You? — Personalized Answer 💳 Answer 3 Questions — Get a Straight Answer How much do you spend at Costco per month (in-store + Costco.com)? This is your Costco-specific spending only — groceries, household, gas at Costco, etc. Under $100/month — I shop at Costco occasionally $100–$300/month — I shop at Costco regularly $300–$600/month — Costco is my primary store Over $600/month — I spend heavily at Costco How much do you spend on gas per month (total — Costco + all other stations)? Gas rewards are the biggest differentiator for this card — your honest gas spending matters most. Under $50/month — I drive very little or not at all $50–$150/month — I drive occasionally $150–$350/month — I drive regularly Over $350/month — I drive frequently or have a large vehicle Do you pay your credit card balance in full every month? This single factor determines whether any rewards card is worth having. Yes — I always pay the full statement balance Usually — but occasionally I carry a small balance No — I regularly carry a balance month to month 💳 Is the Costco Credit Card Worth It for Me? ❓ Frequently Asked Questions — Answered Plainly 💡 Can I Get the Costco Card If I Already Have Another Citi Credit Card? Yes — having an existing Citi credit card does not disqualify you from applying for the Costco Anywhere Visa® Card. Citi evaluates each application independently based on your creditworthiness, income, and existing Citi account history. In fact, a positive existing relationship with Citi may help your application by demonstrating responsible payment history with the same issuer. However, Citi does monitor for customers applying for multiple cards in a short period — a practice that can reduce approval odds. If you have applied for any new credit card recently, it is generally better to wait 6 months before applying for the Costco card to maximize your approval odds. 💡 Does the Costco Credit Card Work for Online Costco.com Purchases? Yes — the Costco Anywhere Visa® Card works on Costco.com for all purchases, and all purchases earn 2% cash back (the standard Costco rate). Costco.com also accepts Mastercard, but Mastercard does not earn the bonus 2% Costco rate — it earns only 1% because it qualifies as a general purchase, not a Costco-specific one, when processed through Costco’s online system. The Costco Anywhere Visa earns its full 2% on Costco.com because it is specifically coded for Costco at the network level. For large online Costco purchases — appliances, mattresses, furniture — the 2% cash back provides meaningful savings on top of Costco’s already-competitive pricing. 💡 Is the Card Worth It If I Am on a Fixed Income and Shop at Costco for Savings? For most seniors on fixed incomes who already shop at Costco regularly for its lower prices — yes, the Costco Anywhere Visa adds meaningful value at zero extra cost. WalletHub specifically names it an Editor’s Pick for Best Credit Cards for Seniors. The key conditions: you already have a Costco membership you would keep regardless, you pay the balance in full every month (or set up full-balance autopay on day one), and you drive to Costco and fill up gas there — the 5% Costco gas rate alone can return $150 to $350 per year for regular drivers. For seniors who cannot drive, who do not have a Visa-compatible card, or who ever carry a balance, the Citi Double Cash (2% flat, monthly cash back, no Costco membership required) is a safer choice with no annual commitment and no reward certificate complications. Sources: Citi.com (existing card applications; Costco.com 2% rate); CardRates.com (Feb 2026 — application tips); WalletHub (Mar 2026 — Best Credit Cards for Seniors designation); NerdWallet (Nov 2025 — Citi Double Cash alternative for non-frequent shoppers); CNBC Select (Jan 2026 — alternative cards analysis) 📊 Costco Credit Card — At a Glance 💰 Effective Earning Rate 1.91¢ Per dollar spent across all categories on a typical balanced spending profile — higher than most no-annual-fee competitors averaging ~1.60¢, per CreditCards.com analysis. ⛽ Max Gas Cash Back $280/yr Annual gas cash back at 4–5% for a driver spending ~$5,600/yr on gas — enough to cover over 4 months of Gold Star membership cost, per NerdWallet calculation. 📊 Credit Score Needed 720–740+ NerdWallet sets minimum at 720; CNBC Select at 740–799 (very good) to 800+ (excellent). Most commonly approved Credit Karma member score: 817. No prequalification available. 📅 Rewards Paid Out February Annual reward certificate issued with February billing statement. Redeemable in-warehouse for cash or merchandise. Direct deposit option available when rewards exceed $300. 💲 APR Range 18.74–26.74% Variable, based on Prime Rate of 6.75% as of 1/1/2026. Any carried balance quickly eliminates rewards value. Set up full-balance autopay immediately upon card activation. 🌟 Editor Rankings Top Pick WalletHub: Editor’s Pick for Best Credit Cards for Seniors. Named best store card for seniors in multiple 2026 financial publication rankings for its combination of gas rewards and no annual fee. 🚀 Ready to Apply or Learn More? If the personalized tool above said “Yes — it’s worth it for you,” apply directly at Citi.com. If it said “No” or “Marginal,” the alternatives below may serve you better. 💳 Apply for the Costco Anywhere Visa at Citi.com 💵 Wells Fargo Active Cash — 2% Flat + $200 Bonus (Best Alternative) 💰 Citi Double Cash — 2% on Everything, Monthly Cash Back ✅ Five Rules to Make the Costco Card Worth Every Penny Set up full-balance autopay the day the card arrives. Log in to Citi.com or call 1-855-378-6467 and enable automatic payment of the full statement balance every month. This one step is the single most important action — it ensures interest never cancels out your rewards. Use it at every gas station — not just Costco. The 4% rate applies to virtually all gas stations and EV charging networks, not just Costco pumps. Use this card every time you fill up, anywhere, to maximize the category that pays the most. Use it at every restaurant, cafe, and fast food stop. The 3% dining rate applies universally — from a sit-down dinner to a coffee shop to a drive-through. Switching to the Costco card for all dining spending typically earns $30 to $100 per year in extra rewards over a generic 1% card. Watch for the February certificate — and redeem it before December 31. The reward certificate expires December 31 of the year it is issued. Mark your calendar in November as a reminder to redeem it before year-end. If your rewards exceed $300, consider using the direct deposit option through the Citi app for maximum flexibility. If you also have an Executive Membership, stack the 2% Executive Rebate on top. Executive Members earn both the card’s 2% cash back on Costco purchases and the separate 2% Executive Membership Reward on qualifying Costco purchases — a combined 4% total return on in-store Costco spending. This stacking is one of the strongest loyalty rewards combinations available at any U.S. retailer. © BudgetSeniors.com — This guide is independently researched and written. We are not affiliated with, compensated by, or endorsed by Citi, Costco, Wells Fargo, or any card issuer mentioned. Costco Anywhere Visa® Card by Citi is a registered trademark. All rates and terms subject to change — verify current details at Citi.com before applying. This guide is for informational purposes only and is not financial advice. Primary sources: U.S. News “Costco Anywhere Visa Card Review” (Mar 2026) — worthwhile for avid shoppers; no annual fee; rewards; no sign-up bonus; BofA alternative; NerdWallet “Costco Visa Review” (Nov 2025) — open-loop card; $280 gas savings; 720+ credit; Citi Double Cash comparison; CNBC Select “Costco Anywhere Visa Card Review” (Jan 2026) — competitive rewards; Wells Fargo Active Cash alternative; purchase protection; Visa Signature Concierge; CreditCards.com (Dec 2025) — 1.91¢/dollar blended; APR caveat; no intro APR; merchant category codes; CardRates.com (Feb 2026) — 740+ FICO; no prequalification; BofA as alternative; WalletHub (Mar 2026) — Editor’s Pick Best Credit Cards for Seniors; $0 annual fee; FinanceBuzz (Mar 2026) — only worth it for regular shoppers; limited redemption; no bonus; Credit Karma (May 2025) — $300+ direct deposit option via Citi app; December 31 expiry; Citi.com (Mar 2026) — official rates; APR 18.74%–26.74%; 6.75% Prime Rate 1/1/2026; benefits guide; purchase protection $1,000/$50K/120 days; travel accident $250K; Quick Lock; J.D. Power — Citi 6th customer satisfaction; Experian — credit score definitions (very good 740–799; excellent 800+); Costco.com — Gold Star $65; Executive $130 Recommended Reads How to Apply for the Costco Credit Card Can I Apply for the Costco Credit Card Online? Costco Membership Fee for Seniors How Much Is a Costco Membership? Sam’s Club vs. Costco Does Costco Take Capital One Credit Cards? Does Costco Accept Discover? Costco Wholesale Logistics Blog