Choosing between the Bank of America Unlimited Cash Rewards (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.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% 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 | Bank of America Unlimited Cash Rewards | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,000 spend in 90 days | None |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | 1.5% | <strong>3%</strong> |
| Dining Rewards | 1.5% | <strong>3%</strong> |
| Groceries Rewards | 1.5% | <strong>2%</strong> |
| Gas Rewards | 1.5% | <strong>4% (up to $7,000/yr)</strong> |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 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, groceries, gas.
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