Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 4x on gas (catalog median is 1.5x)
- 3x on flights (catalog median is 2x)
- 3x on hotels (catalog median is 1.5x)
- No annual fee
- Non-bonus spending earns only 1x
- Bonus rates have spending caps
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$384/yr
$384 rewards
#36 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$440/yr
$440 rewards
#39 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$616/yr
$616 rewards
#21 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
3x
Grocery
1x
Gas
4x
Flights
3x
Hotels
3x
Other Travel
3x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
2x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
4% on eligible gas and EV charging (up to $7,000/year), 3% on restaurants and travel, 2% at Costco, 1% everywhere else. Requires Costco membership.
- Gas: bonus rate capped at $7,000 of spend per year (4% on first $7,000/year of gas purchases, then 1%)
Costco Anywhere Visa FAQ
What is the Costco Anywhere Visa annual fee?
The Costco Anywhere Visa has no annual fee.
What are the best spending categories for the Costco Anywhere Visa?
4x on gas, 3x on flights, 3x on hotels. Everything else earns 1x.
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