Choosing between the Costco Anywhere Visa Card by Citi (no annual fee) and the Gemini Credit Card (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 NowStrongest in gas at 4% (up to $3,600/yr). 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | Gemini Credit Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $200 after $3,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>3%</strong> | 1% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | 4% (up to $7,000/yr) | 4% (up to $3,600/yr) |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Costco Anywhere Visa Card by Citi pulls ahead for travel spending.
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Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.