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Citi Costco Anywhere Visa Guide

10 data points

Lyft

USA

Travel

Date

2026-02-14fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Royal Caribbean

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.royalcaribbean.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Carnival Cruise Line

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.carnival.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Princess Cruises

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.princess.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Norwegian Cruise Line

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.ncl.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Holland America

USA

Travel

Date

2026-01-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.hollandamerica.com/en/us/

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Costco

USA

Wholesale

Date

2025-07-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD2% Cash Back

Rewards

2 USD

Costco

USA

Warehouse Club

Date

2025-04-22fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

https://www.costco.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

携程(酒店)

USA

Air Travel

Date

2025-03-06

Giftcard Purchased

No

Purchase Type

📱

App Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back

Rewards

1.5 USD

Expedia

USA

Travel Agent

Date

2024-05-30fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.expedia.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Quick Rewards Guide for Citi Costco Anywhere Visa

💡 Primary Spending Category: The community most frequently reports using the Citi Costco Anywhere Visa for "Travel" transactions as well as for "Wholesale & Warehouse Club".

🚀 Top Earning Rate: Verified community purchases show this card earning up to 3% cash back on high-reward category transactions.

🛒 Verified Merchants: Swipe Smart users have successfully logged card data points at popular stores including Lyft, Royal Caribbean, Carnival Cruise Line, Princess Cruises. 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 Visa for?

Based on verified community transactions, the Citi Costco Anywhere Visa yields the best return when used for "Travel" transactions, followed closely by "Wholesale, Warehouse Club".

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.