Best Categories for This Card
Costco Gas
5% on gas at Costco
Gas Stations
4% on eligible gas & EV charging for the first $7,000 per year combined (5% on gas at Costco), then 1%
EV Charging
4% on eligible gas & EV charging for the first $7,000 per year combined (5% on gas at Costco), then 1%
Travel
Dining & Restaurants
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Costco GasMerchant | 5x | Ongoing | — | 5.00% |
| Gas Stations | 4x | Capped Spending | $7,000 cap | 4.00% |
| EV Charging | 4x | Capped Spending | $7,000 cap | 4.00% |
| Travel | 3x | Ongoing | — | 3.00% |
| Dining & Restaurants | 3x | Ongoing | — | 3.00% |
Everywhere else | 1x | Ongoing | — | 1.00% |
Card details
- Network
- Visa
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Citi’s official page for the most up-to-date terms straight from the issuer.
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