Choosing between the Apple Card (no annual fee) and the Costco Anywhere Visa Card by Citi (no annual fee) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in gas at 4% (up to $7,000/yr). 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Apple Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>2.0%</strong> | 1.0% |
| Travel Rewards | 2% | <strong>3%</strong> |
| Dining Rewards | 2% | <strong>3%</strong> |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | 2% | <strong>4% (up to $7,000/yr)</strong> |
| Key Benefits | 3% at Apple and select merchants, 2% with Apple Pay, 1% with physical card. | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Costco Anywhere Visa Card by Citi wins on travel, dining, gas.
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Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.