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 OnePay CashRewards 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 Now3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. 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 | OnePay CashRewards Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $35 after $0 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 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 |
2% at Costco Earns 2% only at Costco and Costco.com. Groceries bought anywhere else earn 1%. |
5% at Walmart with Walmart+ Earns 5% at Walmart only with a paid Walmart+ membership. Without it the rate is 3%, which is what the ranking uses. |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 3% back at Walmart in store and online, 5% with Walmart+, and 1.5% on everything else. |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, gas spending.
OnePay CashRewards 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.