Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?

The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Custom Cash Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	Costco Anywhere Visa Card by Citi
Dining	5X	3X
Drugstores	5X	1X
Fitness & Gyms	5X	1X
Gas Stations	5X	4X
Gas Stations Costco	1X	5X
Grocery Stores	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 12 categories. The Costco Anywhere Visa Card by Citi leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 3X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 4X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Custom Cash Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	Costco Anywhere Visa Card by Citi
Dining	5X	3X
Drugstores	5X	1X
Fitness & Gyms	5X	1X
Gas Stations	5X	4X
Gas Stations Costco	1X	5X
Grocery Stores	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 12 categories. The Costco Anywhere Visa Card by Citi leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 3X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 4X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Custom Cash Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

—

Earn Rates

Category	Citi Custom Cash Card	Costco Anywhere Visa Card by Citi
Dining	5X	3X
Drugstores	5X	1X
Fitness & Gyms	5X	1X
Gas Stations	5X	4X
Gas Stations Costco	1X	5X
Grocery Stores	5X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 12 categories. The Costco Anywhere Visa Card by Citi leads in 2.

Dining

Citi Custom Cash Card earns 5X vs 3X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 1X

Gas Stations

Citi Custom Cash Card earns 5X vs 4X

Grocery Stores

Citi Custom Cash Card earns 5X vs 1X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 1X

Streaming

Citi Custom Cash Card earns 5X vs 1X

Transit

Citi Custom Cash Card earns 5X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash Card or Costco Anywhere Visa Card by Citi?: The Citi Custom Cash Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Custom Cash Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

Citi Custom Cash Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Citi Custom Cash Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Citi Custom Cash Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Citi Custom Cash Card vs Costco Anywhere Visa Card by Citi

Citi Custom Cash Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?