Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Capital One Venture Rewards Credit Card ($95/yr) and the Costco Anywhere Visa® Card by Citi (no annual fee) comes down to where you spend most. Capital One Venture needs about $795 a month in groceries or other purchases, counting that spending alone, to make up its $95 higher annual fee over Costco Anywhere Visa. Below that, Costco Anywhere Visa comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
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 | Capital One Venture Rewards Credit Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $95 | $0 |
| Sign-Up Bonus | 75,000 miles after $4,000 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2% | 1% |
| Travel Rewards | 2% | 3% |
| Dining Rewards | 2% | 3% |
| Gas Rewards | 2% | 4% (up to $7,000/yr) |
| Rates with conditions not counted in the rows above |
5% through Capital One Travel Earns 5% only on hotels, vacation rentals and rental cars booked through Capital One Travel, Capital One's own booking site. Travel booked anywhere else earns the flat 2%. |
5% on gas at Costco Earns 5% only on gas at Costco, within the same $7,000 yearly cap as other gas. Other gas stations earn 4%. 2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
| Key Benefits | 2x miles on every purchase, 5x on hotels and rentals through Capital One Travel. | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Capital One Venture Rewards Credit Card pulls ahead for groceries spending.
Costco Anywhere Visa Card by Citi wins on travel, dining, gas.
The $95/year fee difference means Capital One Venture Rewards Credit Card needs to earn about that much more in rewards to justify its cost.
Capital One Venture Rewards Credit Card carries $170/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.