Most of my family lives between 40 minutes and three hours away from me, so fueling up to drive back and forth to visit them can add up. Fortunately, the generous 4% cash back on gas and electric vehicle charging for up to $7,000 spent per year means a chance to earn rewards for every trip I make. Additionally, my household includes a daily commuter who fills up twice a week and is an authorized user on my Costco Anywhere Visa, earning me even more rewards in this category.
Then there's the unlimited 3% cash back on restaurants and eligible travel categories — including airfare and cruises booked through Costco Travel — which helps me rack up additional rewards. As a hobby chef, I love trying new recipes and hosting friends and family for dinner parties; however, there are nights that I'm short on time or simply not up for cooking, and that's when that 3% cash back on restaurants comes in clutch. My household also enjoys trying new restaurants, and since I'm close to two major metropolitan areas (New York City and Philadelphia), there's no shortage of spots to check out when I'm in the mood for something new.
I also earn 2% cash back on all purchases from Costco and Costco.com. Plus, the added benefit of earning 1% cash back on all other purchases is notable — even when I'm not earning higher rates of cash back in my main categories, I still earn rewards every time I tap my card.
The major caveat with redeeming your cash-back rewards with the Costco Anywhere Visa is that you can only do so once a year. If you're a fan of redeeming your rewards more frequently, this card may not be the best for you.
I love Costco but because the closest one to me is 30 minutes away, I typically shop at the warehouse every five to six weeks. This means my Costco trips are hauls where I get groceries like produce and meat in bulk (much of which gets frozen) and sometimes bigger items like kitchen appliances.
Within the first two months of opening my Costco Anywhere Visa, the cash back I accumulated in addition to the digital shop cards earned more than paid off my $120 annual Costco Executive Membership fee.
While most people don't consider the Costco Anywhere Visa a travel card traditionally, it offers users perks including no foreign transaction fees wherever Visa is accepted and 3% cash back on rental cars, hotel stays, and other eligible travel categories.
But one of my favorite perks — which I also think is one of the best — is that cardholders get to combine the 3% cash back on eligible travel with the 2% cash back that everyone with Costco's Executive Membership gets for a total of 5% cash back on travel rewards. This will result in a nice lump-sum cash-back payout next year.
The bottom line is that The Costco Anywhere Visa Card by Citi makes it easy to maximize cash-back rewards. In addition to doubling as a great travel card, it acts as your Costco membership card too. It's also nice knowing that no matter what you purchase, you still earn 1% cash back each time you use your card.
To learn more about this credit card option or apply directly: [Costco Anywhere Visa](#).
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