How this card earns
- 5 percent cash back:
- Costco Gas
- Gas purchased at Costco warehouse locations worldwide.The 5% Costco gas and 4% other eligible gas/EV rates share the first $7,000 in combined spend per calendar year; 1% thereafter.
- 4 percent cash back:
- Gas stations
- EV charging
- The 5% Costco gas and 4% other eligible gas/EV rates share the first $7,000 in combined spend per calendar year; 1% thereafter.
- 3 percent cash back:
- Dining
- Restaurants, cafes, bars, lounges and fast food; certain bakeries and store restaurants are excluded.
- Flights
- Eligible airline purchases.
- Hotels
- Eligible hotel purchases.
- Rental cars
- Eligible car rental purchases.
- Travel agencies
- Eligible travel agency purchases.
- Cruises
- Eligible cruise line purchases.
- 2 percent cash back:
- Costco
- All other purchases from Costco and Costco.com; gas purchased at Costco has a separate rate.
- 1 percent cash back:
Everything else
Protections and other benefits
10 benefits
- Rewards certificateReceive earned cash back after the February statement; redeem at U.S. Costco warehouses by December 31 of the issuance year.
- Damage and Theft Purchase ProtectionEligible purchases may qualify for repair or reimbursement within 120 days of purchase or delivery, or 90 days for New York residents.
- Travel and Emergency AssistanceGet 24/7 referrals for travel emergencies. Referrals are free; you pay for the services provided.
- Worldwide Car Rental InsuranceEligible rentals may cover theft or damage when paid with the card and the rental company collision coverage is declined.
- Roadside AssistanceRequest roadside dispatch in the U.S., Puerto Rico and U.S. Virgin Islands; you pay the service costs.
- Citi EntertainmentAccess presale tickets and exclusive experiences for entertainment, sports and arts events.
- FICO ScoreView your FICO score online at no cost.
- Fraud ProtectionCiti monitors unusual activity and sends an alert when it detects it.
- Citi Quick LockBlock new charges through Citi Quick Lock while recurring charges can continue.
- Costco Membership IDUse the card as your Costco membership identification.
Keep all your cards in one place.
The cards that do have credits get lined up by the day they end.
- Source
- citi.com
- Last checked
- October 8, 2026
- Foreign transaction fee
- None
Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced