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 Citi Double Cash® 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.
Unlimited 2% cash back on all purchases. 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 | Citi Double Cash Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $200 after $1,500 spend in 6 months | None |
| Foreign Transaction Fee | 3% | 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 Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
| Key Benefits | Unlimited 2% cash back on all purchases. | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. |
Citi Double Cash Card pulls ahead for groceries spending.
Costco Anywhere Visa Card by Citi wins on travel, dining, gas.
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.