Choosing between the Costco Anywhere Visa Card by Citi (no annual fee) and the Discover it Cash Back (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.
Strongest 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 Now5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | Discover it Cash Back |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>3%</strong> | 1% |
| Dining Rewards | <strong>3%</strong> | 1% |
| Groceries Rewards | <strong>2%</strong> | 1% |
| Gas Rewards | <strong>4% (up to $7,000/yr)</strong> | 1% |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, groceries, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.