Best Credit Card for Costco Members (November 2026)
The Costco Anywhere Visa leads for Costco gas (5%), other gas (4%), and warehouse spending, but earns only 1% at non-Costco grocery stores. Here’s the full picture and the optimal two-card setup.
For Costco members, the Costco Anywhere Visa by Citi ($0 card fee, Costco membership required) leads for Costco gas (5%), other gas and EV charging (4%), restaurants (3%) and travel (3%), and warehouse spending (2%). Its weakness: only 1% at non-Costco grocery stores. The fix: pair it with the Capital One Savor or Amex Blue Cash Everyday (3% and 3% at supermarkets, $0 and $0 fees) for all other grocery trips.
Costco Anywhere Visa by Citi — earn rates
| Category | Earn Rate | Cap / Notes |
|---|---|---|
| Costco gas stations | 5% | Up to $7,000/yr combined w/ other gas, then 1% |
| Other gas & EV charging | 4% | Combined $7,000/yr cap with Costco gas, then 1% |
| Restaurants | 3% | Worldwide, including takeout & delivery |
| Eligible travel | 3% | Including Costco Travel bookings |
| Costco purchases | 2% | In-warehouse and Costco.com |
| All other purchases | 1% | Including non-Costco grocery stores |
The gap: non-Costco grocery stores
The Costco Visa’s biggest weakness is a 1% earn rate at all grocery stores that aren’t Costco: Target, Kroger, Trader Joe’s, Whole Foods, Safeway, and any other supermarket. That’s a significant miss for members who don’t do all their grocery shopping at Costco.
| Card | Non-Costco Grocery Rate | Annual Fee |
|---|---|---|
| Costco Anywhere Visa | 1% | $0 card fee |
| Capital One Savor | 3% | $0 |
| Amex Blue Cash Everyday | 3% (up to $6,000/yr, then 1%) | $0 |
| Amex Blue Cash Preferred | 6% (up to $6,000/yr, then 1%) | $95/yr |
Optimal two-card setup for Costco members
Most Costco members maximize value by pairing the Costco Visa with one no-fee grocery card:
- Costco Anywhere Visa: use at Costco, all gas stations (Costco gas earns 5%, other gas 4%), restaurants, and travel
- Capital One Savor or Amex Blue Cash Everyday: use at non-Costco grocery stores only
This setup earns 5% on Costco gas, 4% on other gas, 3% at restaurants and 3% on travel, 2% at Costco warehouses, and 3% at all other supermarkets with the Savor, covering every major spend category with no annual fees across either card.