Which card earns more rewards, the Costco Anywhere Visa Card by Citi or Macys American Express Card?

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

Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?

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 Costco Anywhere Visa Card by Citi or Macys American Express Card?

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

Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?

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 Costco Anywhere Visa Card by Citi or Macys American Express Card?

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

Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?

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

Costco Anywhere Visa Card by Citi vs Macys American Express Card

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

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Costco Anywhere Visa Card by Citi	Macys American Express Card
Gas Stations Costco	5X	1X
Gas Stations	4X	2X
Dining	3X	3X
Travel	3X	1X
Costco Warehouse	2X	1X
Grocery Stores	1X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+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

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

Category-by-Category Winner

The Costco Anywhere Visa Card by Citi wins in 4 of 5 categories. The Macys American Express Card leads in 1.

Gas Stations Costco

Costco Anywhere Visa Card by Citi earns 5X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 2X

Travel

Costco Anywhere Visa Card by Citi earns 3X vs 1X

Costco Warehouse

Costco Anywhere Visa Card by Citi earns 2X vs 1X

Grocery Stores

Macys American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Macys American Express Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Costco Anywhere Visa Card by Citi or Macys American Express Card?: The Macys American Express Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?: 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

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

Macys American Express Card — 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.

Costco Anywhere Visa Card by Citi vs Macys American Express Card

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

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Costco Anywhere Visa Card by Citi	Macys American Express Card
Gas Stations Costco	5X	1X
Gas Stations	4X	2X
Dining	3X	3X
Travel	3X	1X
Costco Warehouse	2X	1X
Grocery Stores	1X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+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

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

Category-by-Category Winner

The Costco Anywhere Visa Card by Citi wins in 4 of 5 categories. The Macys American Express Card leads in 1.

Gas Stations Costco

Costco Anywhere Visa Card by Citi earns 5X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 2X

Travel

Costco Anywhere Visa Card by Citi earns 3X vs 1X

Costco Warehouse

Costco Anywhere Visa Card by Citi earns 2X vs 1X

Grocery Stores

Macys American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Macys American Express Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Costco Anywhere Visa Card by Citi or Macys American Express Card?: The Macys American Express Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?: 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

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

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Costco Anywhere Visa Card by Citi vs Macys American Express Card

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

Costco Anywhere Visa Card by Citi

Citi

No image

Macys American Express Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	Costco Anywhere Visa Card by Citi	Macys American Express Card
Gas Stations Costco	5X	1X
Gas Stations	4X	2X
Dining	3X	3X
Travel	3X	1X
Costco Warehouse	2X	1X
Grocery Stores	1X

Benefits & Features

Network

VISA

AMEX

Key Benefits

None

Pros & Cons

Pros

+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

−Requires Costco membership ($65/year Gold Star minimum)
−4% gas rate capped at $7K/year ($280 max annual gas rewards)
−1% fallback after gas cap is spent
−No premium travel benefits or insurance
−Limited to Visa network (some merchants may not accept)

—

Category-by-Category Winner

The Costco Anywhere Visa Card by Citi wins in 4 of 5 categories. The Macys American Express Card leads in 1.

Gas Stations Costco

Costco Anywhere Visa Card by Citi earns 5X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 2X

Travel

Costco Anywhere Visa Card by Citi earns 3X vs 1X

Costco Warehouse

Costco Anywhere Visa Card by Citi earns 2X vs 1X

Grocery Stores

Macys American Express Card earns 2X vs 1X

Which Card Is Right for You?

Get the Macys American Express Card if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Costco Anywhere Visa Card by Citi or Macys American Express Card?: The Macys American Express Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Costco Anywhere Visa Card by Citi or the Macys American Express Card?: 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

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

Macys American Express Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards