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 Gemini Credit Card® (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 flights, hotels and other travel, Gemini on groceries. 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 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 | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Travel Rewards | 3% | 1% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 1% | 2% |
| Gas Rewards | 4% (up to $7,000/yr) | 4% (up to $3,600/yr) |
| 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. | 4% on gas/EV/transit (up to $300/month), 3% dining, 2% groceries. |
Costco Anywhere Visa Card by Citi pulls ahead for travel spending.
Gemini Credit Card 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.