Choosing between the Costco Anywhere Visa Card by Citi (no annual fee) and the U.S. Bank Smartly Visa Signature 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 NowUnlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). Earns a solid 2.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Costco Anywhere Visa Card by Citi | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 1.0% | 2.0% |
| Travel Rewards | 3% | 2% |
| Dining Rewards | 3% | 2% |
| Groceries Rewards | 2% | 2% |
| Gas Rewards | 4% (up to $7,000/yr) | 2% |
| Key Benefits | 4% on gas/EV (up to $7,000/yr), 3% on restaurants and travel, 2% on Costco purchases. | Unlimited 2% cash back on every purchase (up to 4% with large U.S. Bank deposit balances). |
Costco Anywhere Visa Card by Citi pulls ahead for travel, dining, gas spending.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.