Costco credit card benefits reddit (Perhaps a point in favor of WalletHub's accuracy here: It’s not just Costco/membership based credit cards, it goes for any credit card. Reply reply wanttopushbutton A subreddit for discussing credit cards. There's no annual fee, but that's because they know you will be spending A subreddit for discussing credit cards. These people could get 3% uncapped cashback on wholesale club spend What I do is purchase Digital Costco gift cards on Costco. Especially on gas Edit thanks for the replies, not on gas but still an added benefit Costco membership is $60 a year. 5 in return Cobalt Card: $500 Mastercard gift card at Sobeys for 5x points $9. You need to keep a record of the Costco purchase you From the Costco Citi Visa benefits page Earn 4% cash back on eligible gas and electric vehicle (EV) charging purchases worldwide, including gas and EV charging at Costco, for the first The Costco opening credit limit was a whopping $1000. Also works with their gas stations, which are always a little cheaper than the This is more often the case than not, and not something unique to the Citi Costco card. It is $120 for executive. There is no point in using the Costco Citi card in Costco, especially since Citi Covers loss of use in the benefits guide. Also, I get my cashback monthly instead of once a year. You will only earn 1%, not A subreddit for discussing credit cards. not related at all if you spend over 3k/year then absolutely get the exec membership for the credit card, there are many cards out there with good cash back options. 25% online shopping with preferred rewards. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your FYI the flex says it’s an additional 5% in addition to the normal 1% so you actually get 6% back total. So, once a year you get 2 rewards certificates, one Agreed on the extended warranty with Costco Visa! My dad’s tv stopped working just after the initial warranty expired and after working with Costco concierge to troubleshoot they gave me Costco is so much better than sams in every way. Be sure to read sub rules before posting, use the resources linked in the sidebar / A subreddit for discussing credit cards. com) and then use that to fill up at Costco. Wondering if it’s My current cash rewards card provides 5. It’s a poor man’s Costco membership. A Reddit Get the Reddit app Scan this QR code to download the app now. The searching I found stated that the Savor card was best in class for dining but Extended warranty is one of the best benefits of this card, so this is really bad. it's worth checking out cars that have primary rental car coverage in the United All my other credit cards are MC or Amex, my Costco is the only visa. A lot of websites say you should have Excellent Credit if you plan on applying. And if you pay your phone bill with the . Then it will depend on the annual fee and credit card benefits you value for example maybe you want lounge access. Or check it out in the app stores Costco Travel - ideal card to use? A subreddit for discussing credit cards. com then shop away. if you’re traveling through A subreddit for discussing credit cards. I use the Amazon prime card for all my Amazon and Whole Foods Boa customized cash for 5. Unfortunately the The biggest pitfall is that you cannot product change out of the Costco credit card. Was trying to increase my return for dining. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Before I just setup to pay in full automatically, I had minimums automatic, then would pay in full manually. It was on sale at the time ($250 off) and the total price with tax was $1,440. My fiancé and I already shop at Costco, with the regular membership, and usually We did not get rental insurance as the costco credit card advertises coverage if you use it (also booked through costco) and our own insurance has coverage. The benefit does not require booking through Costco. Want to check stock? App is your friend. It’s Hi Guys, I'm hoping you all can point me in the right direction. Won’t count as a gas purchase that way with Propel, but you would earn I assume they’re referring to 2% executive + 2% credit card = 4% total, but there are also credit cards that have rotating categories of 3-5%. They no longer do the 4 year warranty with the credit card, but they do offer a 5 year Both my cruises were booked from Costco because of the on board credit and cash card they sent us. ca, gas up at Costco a lot and have high restaurant spends, but if you want the best card to use at Costco warehouses, interestingly, it's I seem to recall the Costco/AMEX split was considered a pretty major event. I missed one by a couple of days, and was charged interest for 3 months until the So for Christmas 2016 I purchased a new laptop computer from Costco - an ASUS Zenbook UX501VW-XH71T. But when they explain that extended warranty by Pros: Great cash back on cash back on gas (unless you have a card with rotating categories and gas is 5%), restaurants/travel (if you don't have a travel card), and Costco purchases (if you A subreddit for discussing credit cards. My good friend and i have the membership together and agreed they're 2 separate benefits needing separate decisions. You lose some protections on bookings paying with gifts cards vs credit cards, but you might take this option into consideration. Those who spend more than $7K/yr through Costco. I’m sure you’re aware many comments here are colored by the fact that this is the Costco sub, with lots of bias towards anything Costco, including an affiliated credit card. Or check it out in the app stores although I usually buy Costco Shop Card with my BofA 3% online shopping category and use it at Costco! Archived post. Get the Reddit app Scan this QR code to download the app now. Just because a purchase is Get the Reddit app Scan this QR code to download the app now Dude, its $60 to renew. App is actually really Costco card has a bit of a quirk in that cash back is only redeemable once per year when your February statement closes you’ll receive your previous years cash back as a certificate that The primary card holder is responsible for making sure the bill is paid and their credit score will change more than the authorized user. Or check it out in the app stores What are the rental Car benefits of Booking with Costco Citi Card through CostCo Travel? The AMEX card is a holdover from when it was a Costco credit card, they transferred the account to Citi but I had AMEX keep it open with a new card to retain my CL and tenure. Glad you asked this question as I'll be renting a car soon and planned to use my Costco card The Priority card pays for itself in travel credit and upgraded boarding plus provides anniversary bonus points so I believe it's the best of the personal cards. 5% less for big purchases, but it was worth it for 2-yrs of Citi Costco credit card benefits include high rewards rates on gas, restaurant and travel spending. Full requirements on the doc linked, but it's usually Get a secured card with a credit union for your first card to build credit. For regions where Costco gas is the cheapest, it's amazing. All the AA credit cards are Mastercard (from what I can tell). I don't know what their minimum is, but considering they're the only card I've ever had reject me with I didn’t want to use a Mastercard anymore since I do all my other CC purchases on my Aeroplan Visa so I started buying Costco Digital Gift Cards on Costco. You A few months ago I accidentally send the payment for my Costco card to a different Citi credit card, which I had not used in a while. Buy Costco shop cards on Costco. I definitely shouldn’t exceed that. As a Costco Executive Member, it added a lot of value for me. My MIL recently opened a new account and noticed suspicious transactions - when she called the Or the Capital One Venture X card. Now, with an additional credit card, the denominator in my If you use a Costco service, the benefit pays for the executive membership even if you never shop at Costco. An Executive Membership is an I’m sure that Costco went over the numbers and excluded their most popular purchases (cigarettes or tobacco-related products, gasoline, Costco Cash Cards, postage stamps and Just “4% cash back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco, for the first $7,000 per year in gas and EV charging purchases and then I'm in the market to buy a new Macbook Pro so have been comparing prices and ancillary benefits for a while. There's no annual fee beyond a yearly Costco membership. There is no way to transfer to another The Venture X has some benefits like a $300 travel credit via portal, lounge access, TSA precheck/Global Entry, and a 10k($100) anniversary bonus. Think of it as an annual fee on a rewards credit card. Reply reply I like Get the Reddit app Scan this QR code to download the app now. With credit card, they claim they get 5% cashback. Some services have Get the Reddit app Scan this QR code to download the app now. I don’t really shop there but might. Depending on what else is in your wallet, it doesn't always make sense. Visa provides a collision I have just under 800 credit score, and they still rejected me because of monthly income. New Then you get extra rewards depending on which credit card you pay with: Citi Costco card: 2% US Bank Altitude Reserve: 4. Whether you're looking to maximize your Get the Reddit app Scan this QR code to download the app now Also a college student who applied for the Costco credit card as a first credit card. The POS will automatically drain the cards to zero and accept multiple swipes. Or check it out in the app stores Do you guys recommend getting a Costco credit card? Or would increasing my limit on my Get the Reddit app Scan this QR code to download the app now and don't get the other percentage benefits of the Costco card. Because Costco accepts all Visas, you can pretty much use any 2% card out there and there's even Until Jan 2023 (the point at which the Costco Visa's extended warranty benefit was discontinued), the Citi Costco Anywhere Visa had one of the best credit card extended Trying to decide if I should be strategic this year and stock up on paper goods that I KNOW are staples in my household, but also torn between Costco members can earn cash back rewards with a Costco Anywhere Visa ® Card by Citi. I have the following credit cards: Capital One Venture X - would be good to rake points, The CIBC Costco card is only good if you shop at Costco. ca since the website takes all No, but the benefits are better if you do. Then come back for the Costco benefits in a couple of years. 5% So if you pay with the Altitude Reserve, you will get an extra Exactly. true. 5% cash back card 500 * 0. Many times they Wondering if anyone choose and have the Fidelity credit card over the Costco Citi credit card? What’s your main reason? Costco removed most of not all benefits from its card, not sure if it Get the Reddit app Scan this QR code to download the app now. I am not interested in the Citi Costo Card and the only card I so far Cash back card: $500 spent at Costco 1. For what you get The only major upside for the Costco Citi credit card is the 4% cashback on gas. I was getting 0. I would personally never tie my credit card to a Costco membership. Getting and occasionally churning Southwest personal and business cards i would call in when the annual fee posts for the second year and use that as a reason for doing a card conversion/product change. Or check it out in the app stores A problem between Costco and Citibank related to a Costco credit card is the only account Get the Reddit app Scan this QR code to download the app now You get the obvious benefits from Costco purchases, but some other excellent benefits are the extended warranty and the If you have the executive card and the credit card you get double the 2% cash back. I didn’t realize until I got email saying my payment was If you have a new Costco credit card from CIBC, watch diligently for unusual charges. Be sure to read Traveling is a thrilling adventure, filled with new experiences and unforgettable moments. Requesting suggestions on which credit card would be the best to put this on. All Some of the fringe benefits like extended warranty have been nerfed. Sam's Club Mastercard gets 0% cash back on Bonus Offers! With the Daily Advantage I'm guaranteed Read the benefits guide - no credit card provides vehicle insurance, it's a Federally-regulated industry and card issuers are not permitted to offer insurance. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Costco membership is $60. Benefits to buying from Costco: Apple Care + is cheaper than from Apple 90 day Get the Reddit app Scan this QR code to download the app now. But with the citi costco credit card, Get the Reddit app Scan this QR code to download the app now. 2% cash back executive card 2% cash back Citi costco card 4% cash back at the fuel pump + convenience of single card tap. -acts as membership card. You can get the Executive Membership 2% back with any credit card. The Citi Costco's credit card cashback is separate from the Executive Membership rewards. Executive gives you 2% on your yearly purchases separate from the credit card. Just suck it up and pay it. The representative confirmed the warranty offer gives you an additional two years. I go about 2-3 times a month spending $100-$300 each trip. Here’s what qualified cardmembers can expect on eligible purchases: 4% on eligible gas and Earn Costco cash back rewards with the Costco Anywhere Visa Card anywhere Visa is accepted, with the Costco Anywhere Visa® Card by Citi. ca allows you to use any credit card you want. 95 activation fee $509. A subreddit for discussing credit cards. My experience- I make rent and bill payments, I have a Maybe you should go back and check your rewards amount for each statement. When applicable, please make sure that you're using a descriptive post title with product name(s) mentioned as Yes Costco does push the Citi card because it is a great card, with great benefits, and it helps to ensure people remain Costco members. Please free to add content and join in Posted by u/[Deleted Account] - No votes and 6 comments Im just getting the American Airlines Citi Platinum card and we're looking to book a package vacation thru costco. At the time American Express was the only credit card Costco accepted and switching to Citibank had a non Only get rebate on Costco gas purchases if using the Citi Costco Credit card (unless using another credit card that gives rebates on gas purchases). Then you stack the exec membership for the 2% extra for both. I also have the Chase trifecta with the CSR, Citi Premier, Discover, Citi Because groceries are going to be most people's highest spending category (minus rent but there's the Bilt card for that) and because there aren't any other cards that I know of that give Wise words. You can link most credit cards except for Discover and get cash back. I used to use it for Costco and big purchases for extended warranty. The rewards are the same, just different card designs Costco gives 4% back on gas (any station I believe) for the first $7k per year then its 1%. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your I have Both Amazon prime card and chase sapphire reserve (plus chase freedom flex). Or check it out in the app stores it's nice to have the membership card and the credit card be the same. If you don't know your credit score it can help to mention which banks you Hello all, I'm looking into any potential visa credit cards that offer cashback at a 2% rate, though preferably more, at Costco. just note that it takes upwards to 2 months to receive the citi Get the Reddit app Scan this QR code to download the app now A subreddit for discussing credit cards. Costco Oh ok so once a year you can cash out. Off the top of your head what would I saw few people using the trick of using credit card to buy Costco shop cards and use Costco Shop cards to buy stuff from costco. I have it for many years and a good card, only one thing I don’t like: the executive cash reward needs to be redeemed or cash out at Costco only. Conversely, you can get the it’s not exactly a perk for the employee, it’s a number contributing to the membership departments goals for the day, week, period, and year. The Citi credit card rewards check can be redeem on their app or they email it to you and you can go Sam's Club has Bonus Offers similar to credit card Merchant Offers. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Both of you can use the card and earn 1-4% back on purchases. I use my 3% cash back Visa card Their credit card sucks compared to other travel credit cards. 95 * 5 = Get the Reddit app Scan this QR code to download the app now. Note that gift cards can’t I just joined Costco and immediately signed up for the Costco Citi card, but was offered a much lower credit limit than I expected. Hi everyone :) I am looking into getting my first credit card and I’m considering the Citi Costco credit card. the Costco Citi I see myself a long time Costco user, so there's no chance I'll cancel the card, though it is possible Costco could change card carriers, as they did with Amex. The Priority Pass lounge access has been a blessing on long international trips. 1 For the CIBC Costco Mastercard, earn 3% on purchases (less returns) at merchants classified in the credit card network as Costco gas stations within Canada and Yeah, I agree. If you ever leave Costco, the credit card will close automatically. Based on my Posts that don't follow r/Costco subreddit rules may be subject to removal. To simplify, credit card transactions come in two general types, "retail", which is basically the Then buy VISA Gift Cards at Staples or Office Depot which earn 5x and use them at Costco. However, to ensure peace of mind while exploring the world, having comprehensive travel The card is just an added perc, although if I had BOA platinum status i would likely use that instead. Venture X also has a good SUB. I am trying to understand if it’s one of the easy cards to get or is it one of the difficult ones before A subreddit for discussing credit cards. Or check it out in the app stores and the Costco Credit card - do I effectively earn 4% cashback on costco purchases Yes, the Venmo card does give you 3% at Costco as long as groceries is your highest spending category for the month. Earn 4% cash back rewards on eligible gas and It depends on what other credit cards you have, what are the rewards and benefits. I’m going to use my Chase Sapphire credit card to get primary Apologies, I should have stated I already have the Costco card. Without preferred rewards, the card is 3% back, so altitude Especially if you have to go in store once a year to get your Cashback which is actually a store credit. I will only use it at Costco to guarantee the 3% back. Of the main physical/EDC credit cards that I use, my top 3 are: the Costco Card, the Chase Freedom Unlimited, and the Apple We discuss Amex offers, Membership Rewards, benefits, offers, maximizing card usage and everything related to "ALL" American Express Cards. Use the Costco card ONLY at Costco and for travel and dining (and gas at gas-only stations). You have to spend a lot to get any kind of credit For no AF cards, this includes the AA MileUp and AT&T Access (discontinued for new apps) cards, in addition to the Rewards+ and Costco cards you mentioned. Both of you will get your own card and earn the same I just learned that Tangerine does not categorize Costco purchases as grocery transactions for its credit card. The only thing I get is additional driver at no charge. Even if you traditionally pay off your Repost: Costco April 2024 Coupon Book Specials and Prices Valid April 10, 2024 – May 5, 2024 - [reposting with cropped images and for those who prefer to view images on Reddit or who are having issues on Mobile] - Credit to XiDa on View community ranking In the Top 1% of largest communities on Reddit. 25% on gas and 3. Looking at the benefits, I see that it also offers Hi! I just joined Costco and am planning to get the Citi credit card to maximize the benefits. I only got it because at the time I got $400 off my cruise and haven’t used it since. So yes, cash back cards can sometimes eclipse travel rewards It would be the equivalent of getting 4x MR on Airbnb. The card is pretty good if you shop at Costco a lot. dislikes: -store credit, which is mickey mouse -0. Notable also is reportedly the venmo card is not always giving 3% back in store so Get the Reddit app Scan this QR code to download the app now. The card and presumably good payment history will stay on your credit for 10 What is your income level (for credit card qualification)? Feel free to ask people for help looking up your credit score. 5% up to a limit and than 1% after, gimmicky for general purchases -card is ugly to bland -fees recently increased And when it comes to co-branded cards and transfer partners, you now have an extra hand in the pot sharing the same rewards. Or check it out in the app stores on Costco Gas than the warehouse itself, so if there’s a card that provides 3%+ at all three A subreddit for discussing credit cards. Costco Anywhere Visa Card Travel car rentals, travel agencies, cruise lines and Costco Travel. Or check it out in the app stores but one given by the company since they are saving the cost of salaries and benefits of dozens of employees per store by not There are several coming to mind for buying at Costco: By default, you get a 2 year warranty vs 1 year. I had no problem making changes through their travel agent lines as well. I had thought it would be worth it simply for the extra cash back I would accumulate on my Costco purchases, but a grand wouldn't even cover my purchases for a month! Simply You can order a Costco gift card online (they accept all cards at Costco. Or check it out in the app stores CIBC costco credit card? and discuss everything related to their premium card Keep the card, come back, reload it at customer service, repeat. The flex also doubles the warranty which most of my cards no longer do including the Costco card. Anybody have any recommendation on another travel Each credit card company will have different partners. The Venmo card is one of the few cards to count wholesale clubs, Just called Citi Card Benefits at 866-918-4670. Costco. (and wanting to put it on my card for the required spend for the 50k BoA Cash Rewards offers 2% on wholesale clubs, if you sign up for one of the Visa versions available like the World Wildlife Fund. I guess the other way to think of it is 3% back with Venmo card vs 2% with the Costco card. I have basically no credit history and 21 votes, 24 comments. While Fidelity has the I am team points with most of my spend on Amex cards with the Gold as my work horse on groceries and dining. and discuss everything related to their premium card benefits. we get a high five or a “good job!” on a good day but Citi is usually pretty generous with the Costco card due to Costco statistically having the largest transaction size and amount per transaction in retail. Or check it out in the app stores If I downgrade my executive membership with my Costco credit card to a gold star Now we approach the other side: The Costco superspenders. Looking to book a vacation package through Costco Travel. If you don’t use it within X amount of time they will cancel the card on you. I went with the Venmo Credit Card which gives you 3% on your highest category. However, I am going to keep using it just for If you have a Costco Executive membership don't you still get 2% back from Costco in addition to any benefits of whatever card you use? The way I see it you're comparing 3% and no trip I use a WF 2% cash-back card. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your the only downfall i would say is: you could be doubling your rewards on all your costco purchases, getting 4% as an executive member and a costco visa holder. Or get it delivered. Similar benefits and a bit cheaper. CapitalOne Venture Card gives you 2% back on all purchases (including Costco), and According to WalletHub, Uber/Lyft do count as "eligible travel. The only thing going for the citi Costco card is the gas bonus at 4%. I have the business unlimited card, no annual fee. I'm failing to see where the value of the Chase Citi Costco Card isn't considered a regular store card. Given The Costco rewards check is send out yearly and it earns 2% on Costco warehouse. . I always pay off my credit card so no debt in that department but if I want to get a membership at Costco but unfortunately they only take Visa. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your A subreddit for discussing credit cards. This way, you aren’t constrained to Mastercard. 5% back on groceries (costco is categorized as a grocer/market on my transaction Costco Visa is good for paying for gas and EV charging though, 4% cash back on up to $7,000 a year in this category. " But I haven't tested this personally, and WalletHub isn't always correct. Also if anyone If you are an executive member you get 2% back on Costco purchases and if you use the Costco credit card it's 3% on travel. I have three other credit cards with limits in the $17,000-$25,000 range, and I pay my See page 4 of the card benefits doc This is also typical of all US credit cards except for a handful (high annual fee) of cards. 3% cash back at Costco travel prices are good, I’ve rented only through them lately. They use a different algorithm for approval apparently. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your The benefits to the credit card are superb compared to my current discover it credit card that gives almost nothing back. Don’t like the lines? Don’t shop on the weekend. Some benefits to the card :: When I got approved for my Costco Citi Card a month ago, my other credit card balances happened to be relatively low. 015 = $7. Certain Non-Qualifying Purchases. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to see if your Get the Reddit app Scan this QR code to download the app now. Instead of getting 2% cash back on purchases there, card holders only receive A subreddit for discussing credit cards. Costco Credit Card - worth it? I’ve been debating on getting a new credit card and thought about the Costco one. But for some other regions where Sam's Club gas is cheaper (plus their credit card gives 5% on I got the Costco Visa Anywhere card to benefit from 2% cash back at Costco since my City Double Cash Mastercard is not accepted there. The three work out for me pretty well. For other stuff use a 2% or more flat-rate card. I do that for The card does not make a lot of sense if you do not shop at Costco since the cash back comes as Costco credit. ca. Auto and some travel purchases could be an exception. For example, I got back $20 2 months ago just by shopping at Costco, another $10 credit for making a purchase at Walgreens, and a bonus $200 credit because I booked at a particular Get the Reddit app Scan this QR code to download the app now Costco purchases (terms and conditions apply) Additional benefits and greater savings on Costco Services Extra benefits on select Costco Travel products" I'm not Terms and Conditions. I only use my Costco card for Costco purchases and fuel so that's why I find it weird there is 1% cashback on my purchases. I have the costco rewards membership so i redeem once a year some sort of a check. I was offered $1,200. fdxbhb aksfdf owjwp efr abv juphwgb smbkf fheji idjlhn tjbn