How much does the Costco credit card pay you?
Enter what you spend each month. See the cash back from the Costco Anywhere Visa by Citi, plus the Executive 2% reward if you have it.
Card cash back
Executive 2%
The card's cash back rates
| Where you spend | Cash back |
|---|---|
| Gas at Costco | 5% |
| Other eligible gas and EV charging | 4% |
| Restaurants and eligible travel, including Costco Travel | 3% |
| Costco and Costco.com | 2% |
| Everything else | 1% |
The 5% and 4% gas rates share one limit: the first $7,000 a year of gas and EV charging combined (about $583 a month). After that, gas earns 1%. Restaurant and travel cash back has no limit.
If your gas goes over the limit, the calculator splits it between Costco gas and other gas in proportion to what you spend on each. Your real split depends on the order you buy.
Stacking the card with Executive
If you're an Executive member, Costco purchases can earn twice: 2% from the card and 2% from the Executive reward, so about 4% back in total. Gas is the exception. It earns the card's 5%, but Costco doesn't pay the Executive 2% on gas. The Executive reward is capped at $1,250 a year and has its own list of exclusions; see the 2% reward, explained.
Not sure Executive is worth it? Try the Executive upgrade calculator.
Common questions
When do I get the cash back?
Once a year. Your reward certificate for the previous year comes with your February statement. You can use it at a U.S. Costco warehouse for merchandise or cash, but not online, and it expires on December 31 of the year it's issued.
Does the card have an annual fee?
No, as long as you have an active, paid Costco membership.
What do I need to get my reward?
An active Costco membership, an open card account, and more than $1 in rewards from the year before. If you close the card before the February certificate is issued, you can lose the rewards you've earned.
What doesn't earn cash back?
Citi lists balance transfers, cash advances, travelers checks, money orders, wire transfers, lottery and gaming purchases, interest and fees, and returned purchases, among others.
Is the Executive reward paid the same way?
No. The Executive 2% is a separate reward from Costco, issued with your membership renewal statement about three months before you renew.
Rates from Citi's Costco Anywhere Visa rewards page, checked October 14, 2026. Card terms change, so check Citi's current terms before you apply. This calculator is general information, not financial advice, and Run Don't Walk isn't paid by Citi or Costco for this page.