Who it's for
Cash backMore rewards dining outNo annual fee
Costco Anywhere Visa
Best gas-back card on the market for Costco members. The 4% rate beats almost every other card in this category. Annual rebate certificate is the catch — you wait until February to receive a full year of accumulated rewards.
$802/yrest. value at typical spending
$0annual fee
$0yearly credits
$0fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 3x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 4x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Cash back
- 4% cash back on eligible gas and EV charging worldwide (first $7,000/year, then 1%)
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back at Costco and Costco.com
- 1% cash back on everything else
- Requires active Costco membership ($65/yr Gold Star, $130/yr Executive)
- No annual fee on the card itself
- Cash back paid annually as a Costco rebate certificate (use at Costco or redeem for cash)
- Mastercard is NOT accepted at Costco — Visa cards only
Similar cards
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- Chase Freedom FlexNo annual fee$964est. value/yr
- Capital One SavorNo annual fee$896est. value/yr
- Citi Custom CashNo annual fee$1,085est. value/yr
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