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Gas purchases
4%
Restaurants and travel
3%
Costco and Costco.com
2%
All other purchases
1%4% on eligible gas purchases, including Costco gas, up to $7000 in purchases per year.
3% on restaurants and eligible travel purchases worldwide.
2% on purchases at Costco and on Costco.com.
1% on all other purchases.
A Costco membership is required to apply.
None – only the cost of your Costco membership
N/A
20.24%
None
Receive your cash back as an annual credit card rewards certificate once your February billing statement closes. It is redeemable for cash or merchandise at US Costco Warehouses
If you have a Costco membership, you are probably going to want to add this card to your wallet. You get 4% back on gas purchases, including Costco gas, up to $7000 in purchases per year – or $583 per month. This can help offset the rising costs of gas around the country. The APR is standard, and although there is no promotional signup bonus right now, it is a solid card for families that spend a lot each month at Costco or on travel.
You do have to have a membership to apply, but that is what keeps this card without an annual fee. The only major downfall is that your rewards can only be redeemed once per year in February for cash or merchandise at Costco. If you are patient enough to wait for your rewards, then it can be a nice treat each February to get that certificate.
Pantry stocker 
You are not happy unless you have a kitchen full of food. You are the designated grocery person in your household, and you are good at it. But what you really like is getting cash back for spending in this category.
Always-on-the-road
Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.
Costco helps a lot of larger families save money each month on groceries, and this card can help even more. Citi is a great company, so having a co-branded card with Costco is a huge perk. This is one of the best cash back cards on the market right now, plus no foreign transaction fees.
You could pair this card with another travel rewards credit card that gets you points, like the Citi Premier Card. This Costco card has you covered for gas, restaurants, and groceries, so you can use the Citi Premier to gain points to be used on your next trip to offset the cost of plane tickets or hotels.
Apply for Citi Premier® Card
None
29.99%
None
None
Up to $40
29.99%
720+
Your card is eligible to be used on Apple Pay, Samsung Pay, and Google Pay.
Speed through checkout securely by tapping to pay at a contactless reader.
Purchases made with your card may be eligible for repairs or a refund if items are damaged or stolen within 120 days (about 4 months) of purchase.
Receive special access to presale tickets and experiences with Citi Entertainment.
If you were to spend $500 a month on gas, like many larger families might, you would get $20 in rewards each month or $240 per year. Add on $1000 a month spent at Costco for another $240 per year, totaling $480 in rewards off of gas and Costco purchases alone.
| Pros | Cons |
|---|---|
 High spending caps |  Exclusively for Costco members |
| Tiered rewards categories | Can only redeem cash back once per year |
| Designed specifically for Costco members | |
| No annual fees |
