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 Sam's Club Mastercard® (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 5% (up to $6,000/yr). 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | Sam's Club Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $30 after $30 spend in 1 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.0% | 1.0% |
| Travel Rewards | 3% | 1% |
| Dining Rewards | 3% | 3% |
| Gas Rewards | 4% (up to $7,000/yr) | 5% (up to $6,000/yr) |
| 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%. |
3% at Sam's Club with Plus Earns 3% on Sam's Club purchases only with a Plus membership, which costs more than the base Club tier. Club members earn 1% there, and groceries bought anywhere else earn 1%. |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership. |
Costco Anywhere Visa Card by Citi pulls ahead for travel spending.
Sam's Club Mastercard wins on gas.
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.