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 Costco Anywhere Visa® Card by Citi (no annual fee) and the Fold (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Costco Anywhere Visa earns more on dining, gas, flights, hotels and other travel, Fold on groceries and other purchases. Enter your monthly spending above to see which comes out ahead for you.
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 Now1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | Fold |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1.5% |
| Travel Rewards | 3% | 1.5% |
| Dining Rewards | 3% | 1.5% |
| Gas Rewards | 4% (up to $7,000/yr) | 1.5% |
| Rates with conditions not counted in the rows above |
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%. |
None |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, gas spending.
Fold wins on groceries.
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.