Costco Anywhere Visa® Business
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How we calculate effective rate →
The Costco Anywhere Visa® Business from Citi earns up to 4% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $0
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 4% back.
What does the Costco Anywhere Visa Business earn in each category?
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Costco Anywhere Visa Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at 4x among the top.
Gas is the strongest category at 4% effective value (4% back). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Costco Anywhere Visa Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 4% back | 4% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Costco Anywhere Visa Business reward caps and conditions?
The Costco Anywhere Visa Business has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Unlimited 3% on restaurants and eligible travel, including Costco travel.
- 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter. Capped at $7000 per year.
Who should get the Costco Anywhere Visa Business?
The Costco Anywhere Visa Business fits spenders who put meaningful volume in gas and can earn 4% back. Best for spenders who put meaningful volume in gas and can earn 4% back.
Costco Anywhere Visa Business fits spenders who put meaningful volume in gas and can earn 4% back. Madeen ranks its gas effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 4% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today.
Pros
- Strongest Madeen category is gas at about 4% effective (4% back).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Business card — rewards and liability rules differ from consumer cards.
Does the Costco Anywhere Visa Business have an annual fee?
The Costco Anywhere Visa Business has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Costco Anywhere Visa Business?
The Costco Anywhere Visa Business includes Auto Rental Collision Damage Waiver, Booking.com, Citi Entertainment® in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Purchase Security and Extended Protection
$10,000/yrPurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Travel Accident Insurance
$3,000/yrCertain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are underwritten by Virginia Surety Company, Inc.
Lost Luggage Reimbursement
$3,000/yrwill reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Travel Accident Insurance
$3,000/yrprovides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Damage & Theft Purchase Protection
$30/yrShop with more confidence ' Damage & Theft Purchase Protection may cover you for repairs or a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).
Citi Entertainment®
$25/yrCiti Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Roadside Assistance Dispatch Service
$25/yrCertain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are administered by a third-party provider.
Travel and Emergency Assistance
$25/yrCertain terms, limitations, and exclusions apply. These benefits are included as a part of the Citi® / Costco Card and are administered by a third-party provider.
Related encyclopedia topics
Common questions about the Costco Anywhere Visa Business
Where do cardholders spend most with the Costco Anywhere Visa Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (4x), coffee (3x), fast food (3x) for the Costco Anywhere Visa Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score do I need for the Costco Anywhere Visa?
Madeen's catalog lists a typical credit range of Excellent for the Costco Anywhere Visa Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Costco Anywhere Visa Business have an annual fee?
The Costco Anywhere Visa Business carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Costco Anywhere Visa Business?
Gas is the strongest Madeen category for the Costco Anywhere Visa Business at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Costco Anywhere Visa Business charge foreign transaction fees?
The Costco Anywhere Visa Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Costco Anywhere Visa Business?
Madeen's catalog lists a typical credit range of Excellent for the Costco Anywhere Visa Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Costco Anywhere Visa Business compare to similar cards?
Compare the Costco Anywhere Visa Business against Citi Simplicity Cash (5% on Gas, $0 fee); Shop Your Way Mastercard (5% on Gas, $0 fee); Costco Anywhere Visa (4% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Costco Anywhere Visa Business This card | Gas | 4% | $0 |
| Gas | 5% | $0 | |
| Gas | 5% | $0 | |
| Gas | 4% | $0 | |
Citi | Gas | 3% | $0 |
Side-by-side comparisons
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Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure