What are the best categories to use my Citi Costco Anywhere for?

Major categories where the Citi Costco Anywhere earns top rewards include OTA. Our community has verified 2 data points to help you optimize your spend.

Where should I use my Citi Costco Anywhere to maximize points?

To maximize points on your Citi Costco Anywhere, you should use it at retailers that match its bonus categories. Popular retailers for this card include Booking, Agoda.

Citi Costco Anywhere: Category & Rewards By Store

Posted At	Retailer	Card	Category	Rewards
2025-12-17 fromReddit↗	Booking •USA	Citi Costco Anywhere	OTA 📝Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1d3rgs5/comment/l69hqmz/Read more	1% 1Cash($100.00)
2025-12-17 fromReddit↗	Agoda •USA	Citi Costco Anywhere	OTA 📝Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1d3rgs5/comment/l69hqmz/Read more	1% 1Cash($100.00)

Booking

USA

OTA

Bank & Card

Citi Costco Anywhere

Date

2025-12-17from

Reddit↗

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.booking.com

Reward Details

Amount

Earning Rate

100 USD1%

Rewards

1 Cash

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1d3rgs5/comment/l69hqmz/Read more

Agoda

USA

OTA

Bank & Card

Citi Costco Anywhere

Date

2025-12-17from

Reddit↗

Giftcard Purchased

Purchase Type

🌐

Online Purchase

https://www.agoda.com

Reward Details

Amount

Earning Rate

100 USD1%

Rewards

1 Cash

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1d3rgs5/comment/l69hqmz/Read more

Quick Rewards Guide for Citi Costco Anywhere

💡 Primary Spending Category: The community most frequently reports using the Citi Costco Anywhere for "OTA" transactions.

🚀 Top Earning Rate: Verified community purchases show this card earning up to 0.01X ThankYou points on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Booking, Agoda. Checking merchant coding prior to shopping ensures you trigger top tier category multipliers.

Frequently Asked Questions

Q:What are the best categories to use the Costco Anywhere for?

Based on verified community transactions, the Citi Costco Anywhere yields the best return when used for "OTA" transactions.

Q:How do I ensure I get maximum points or cash back with this card?

Credit card rewards depend on the store’s Merchant Category Code (MCC). Always check Swipe Smart before purchase to verify how the retailer is registered (e.g. as groceries, dining, or travel) to ensure the transaction triggers the card’s multiplier categories.

Q:Does payment method (like Apple Pay or PayPal) affect the coding?

Yes. Paying through digital wallets like Apple Pay usually preserves the merchant's original category code. However, payment processors like PayPal or third-party delivery apps (e.g., Instacart, UberEats) may alter the merchant category code, sometimes overriding your card's standard multipliers.

Citi Costco Anywhere Guide