Costco credit card benefits reddit. 25% online shopping with preferred rewards.
- Costco credit card benefits reddit 4% at any gas station or EV charger (not just costco) up to $7K eligible spend per year, 3% on restaurants and "eligible travel", 2% on Costco warehouse and Costco. Sep 25, 2024 · Costco Anywhere Visa Card overview. Requesting suggestions on which credit card would be the best to put this on. UPDATE (2/4/23): I applied for the Costco Visa Card. Then, call the number listed on the damage claim form (or if they've emailed or otherwise provided it), tell them that you have a credit card benefit and you open 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 cancellation to 2X UR points with trio cancellation. ALSO: they take food stamps. Previously used Costco credit card, stopped after a bad customer experience. 5-2. The only place where the Citi Costco is a "must use" is for car rentals, due to the (secondary, in the U. Feb 20, 2024 · The main benefits of a Costco Credit Card are 4% cash back on the first $7,000 spent on eligible gas purchases each year (1% back thereafter) and 3% cash back at restaurants and on eligible travel expenses. I've seen their credit card advertised around. 0 cpp with UR points so it seems like an easy decision for me to use the CSP. For other stuff use a 2% or more flat-rate card. I also have a US Costco Visa card for our time in Arizona. Jul 1, 2023 · The executive is an additional 2% reward unrelated to credit card rewards. In this blog, we'll delve into the details of what the Costco Visa travel insurance coverage includes, giving you a clearer picture of the protection, you The rewards structure of the card is fairly decent. Having too many inquiries will also make it appear you are desperate. I don’t really shop there but might. •4% back Any other ideas for gas cards? I use a WF 2% cash-back card. We discuss Amex offers, Membership Rewards, benefits, offers, maximizing card usage and everything related to "ALL" American Express Cards. 25% online shopping with preferred rewards. I have the costco rewards membership so i redeem once a year some sort of a check. Those who spend more than $7K/yr through Costco. S. CapitalOne Venture Card gives you 2% back on all purchases (including Costco), and there are cards that easily get up to 6% back on gas or grocerie CRedit's main goal is to improve your credit, keep it healthy, and support you in decisions that you make that may affect your credit livelihood. The Costco Anywhere Visa® Card by Citi (see rates and fees) is one of the best store credit cards on the market. Most Citi cards do not offer car rental insurance. Sometimes the cash card amount makes it worth it to book with them if other travel agents can't match. 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. The only major upside for the Costco Citi credit card is the 4% cashback on gas. My good friend and i have the membership together and agreed that we use that rewards to cover the membership fee and whatever is left over goes towards a bottle of some sort of alcohol to split. Buy Costco shop cards on Costco. With this, I was able to raise my credit score to 700. I use the Amazon prime card for all my Amazon and Whole Foods purchases, CSR for all the travel and restaurant spends, and the flex for all the rotating categories — love whenever there is grocery stores as a category because I cook a lot and hence do a lot of grocery Either way, the way to deal with it is to give Hertz the benefit providers information. If you spend more than $3k per year at Costco, excluding gas, then you are earning extra cash back. If you fall in #1, #2, or #3 in the above list - open a claim with Citi's Auto Damage Waiver provider, and direct them to pay the rental agency. I use my 3% cash back Visa card (mobile wallet only) at Costco, other than for gasoline. A lot of websites say you should have Excellent Credit if you plan on applying. The searching I found stated that the Savor card was best in class for dining but don't think it would make up for the annual fee for me. Every time you apply for a credit card, hurts your credit score. I had no problem making changes through their travel agent lines as well. Costco card may possibly have some very specific Costco deals/benefits, but mostly Citi is same. idk about you but dining and gas were my biggest spending categories in college A subreddit for discussing credit cards. Costco gives 4% back on gas (any station I believe) for the first $7k per year then its 1%. Hi everyone :) I am looking into getting my first credit card and I’m considering the Citi Costco credit card. Without preferred rewards, the card is 3% back, so altitude reserve would be the best runner up at 3% mobile spend (4. Don't assume. CFU also takes a lot of non-category spend to equal a CFF bonus spend if you max out even one quarter (like on paypal), but it is not Visa for Costco. I’m going to use my Chase Sapphire credit card to get primary car insurance next time, since I just got it recently. I highly recommend. Here’s what qualified cardmembers can expect on eligible purchases: 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel The rewards structure of the card is fairly decent. I have these credit cards: Amazon Chase Prime Rewards Visa BoFA Customized Cash Rewards Visa Discover Card Apple Card Mastercard Bestbuy Citibank Credit Card Visa Which one is best for costco? I heard AMEX is not allowed. 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 SlickDeals, cleaned up by SD_Eragorn Which brings me to my final point. Using EBT food stamps card at Costco multiplies the buying power of your Im just getting the American Airlines Citi Platinum card and we're looking to book a package vacation thru costco. The three work out for me pretty well. 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 question has already been answered. I would personally never tie my credit card to a Costco membership. With the Fidelity Rewards Signature Visa, you can earn unlimited 2% cash back on everyday spending, with reward points Yeah I was pondering this because I do spend more on Costco Gas than the warehouse itself, so if there’s a card that provides 3%+ at all three (and tangibly has more benefits outside of Costco), it’s a better fit. At the time American Express was the only credit card Costco accepted and switching to Citibank had a non-insignificant effect on AMEX's customer numbers. If you already have a Costco membership, this card is a solid way to earn rewards across a wide range of purchases, including eligible gas, restaurants, eligible travel and at Costco — both in-store and online. 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. I had a 810 credit score before her and currently have a 730 and thats with a bankruptcy from Jan 2021. Please someone correct me if I'm wrong. 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. 2% cash back executive card 2% cash back Citi costco card 4% cash back at the fuel pump + convenience of single card tap. Visa provides a collision damage waiver - the Costco Visa CDW is secondary in the US, IOW you are required to use your personal insurance to file a claim. Also, I get my cashback monthly instead of once a year. Here’s what qualified cardmembers can expect on eligible purchases: 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel Looking to book a vacation package through Costco Travel. com then shop away. A problem between Costco and Citibank related to a Costco credit card is the only account I’ve ever had that made a negative report to the credit agencies. I typically get 1. (and wanting to put it on my card for the required spend for the 50k bonus). Before that, I used my Amex that I had the $24. I have the following credit cards: Capital One Venture X - would be good to rake points, but will probably accrue just 1x instead of 5x or 10x since I am not booking from Capital One Portal However, is there a chance the credit card can give me the rest back as well through some travel benefit? Of course I intend to call the credit card, but I figured I'd arm myself with knowledge a bit before I call. I seem to recall the Costco/AMEX split was considered a pretty major event. There are better cashback cards, for example BMO World Elite cashback mastercard which pays 5% on grocery, significantly better than the Costco card. Before the bankruptcy I had several cards and accumulated almost $100K in credit line. If you're a Costco member and carry the Costco Anywhere Visa® Card by Citi, you might be pleasantly surprised to discover that your credit card provides valuable travel insurance coverage. To avoid the headache, I've switched to just using my AOD credit union card (flat-rate 3% cashback) for anything I'm not sure of. They do not offer travel interruption coverage any more. 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. Reply reply UGA10 I have Both Amazon prime card and chase sapphire reserve (plus chase freedom flex). We are here to support you if you need an advice on closing/opening a credit card, improving your credit scores, removing inaccurate information from your report, qualifying for a new card/mortgage they're 2 separate benefits needing separate decisions. For regions where Costco gas is the cheapest, it's amazing. Just got the Canadian executive reward (bit over $400) so that was nice. 4% on gas alone is excellent, and 3% on restaurants and travel can really add up for some great rewards. com purchase, 1% everywhere else. Even though it has a $75 annual fee, the extra cash back offsets that fee, plus there are numerous other but yes, the costco citi visa is a great credit card for a student. the Costco Citi card is a pretty good one for sure Exactly. Boa customized cash for 5. As a Costco Executive Member, it added a lot of value for me. The rewards structure of the card is fairly decent. 2% on Costco plus the 2% for my executive adds up as well. Full requirements on the doc linked, but it's usually just fully paid on the card plus a few other points about the rental itself Both my cruises were booked from Costco because of the on board credit and cash card they sent us. I agree the Savor One would be a great fit if I didn't already have the Costco card. Also, it's nice to have the membership card and the credit card be the same. Interestingly, Citi Costco cards are the exception to this rule, and the Costco Anywhere Visa® Card by Citi still carries secondary car rental insurance. They use a different algorithm for approval apparently. The only thing I get is additional driver at no charge. Oct 19, 2024 · Hi everyone. you get 4% back on gas, 3% back on travel and dining, and 2% back on costco purchases. It counts under the credit card reward. I’ve Shopping at Costco can be more rewarding. Please free to add content and join in the conversation. 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. It costs $60, so if you spend $60/2%=$3,000 per year (excluding gas and some other stuff), you break even. 3% cash back at restaurants and most travel purchases No annual fee or foreign transaction fees 21 votes, 24 comments. Ex wife for a reason. What's everyone's opinion on the card? In my opinion it has some of the best rewards for a no fee (other than needing a membership) credit card. Edit I called and they said no, which isn't too surprising. Venture X also has a good SUB. But like you said, it's a store branded card, even if it is a visa. I definitely shouldn’t exceed that. true. 95 primary car rental insurance. Now we approach the other side: The Costco superspenders. Costco does have 4% gas, 3% dining and travel in one card. Costco members can earn cash back rewards with a Costco Anywhere Visa ® Card by Citi. The card is just an added perc, although if I had BOA platinum status i would likely use that instead. I use Costco and my CIBC Costco Mastercard almost exclusively for everything. just note that it takes upwards to 2 months to receive the citi costco card since they have to verify the membership and information. I only use it at Costco and for gas at Costco, but it's pretty decent on cash back at 2% for executive membership and 2% for the card. Simply applying for a credit card puts a hard inquiry on my credit report, so that will cost me a few points in the short term. I currently have a discover Student IT card as my first credit card. There is no point in using the Costco Citi card in Costco, especially since Citi dropped all of card benefits. Also works with their gas stations, which are always a little cheaper than the normal local public gas stations, so far as I’ve seen. The additional 2% rebate on Costco purchases isn't that noteworthy, but the 4% on gas would be nice. I think it's 4% on gas. If you have the executive card and the credit card you get double the 2% cash back. This went into effect in the fall of 2019, and car rental insurance was just one of many travel-related benefits that Citi cut from its cards. Here’s what qualified cardmembers can expect on eligible purchases: 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter; 3% on restaurants and eligible travel. I'm happy to provide some information on the Fidelity Rewards Signature Visa card for you. Oh ok so once a year you can cash out. These people could get 3% uncapped cashback on wholesale club spend (ANY wholesale club - some people have memberships at more than one) with the Venmo Visa Credit Card or the NIH FCU Visa Signature Card. My question is that with the flight being booked thru costco but using my AA CC, can I still use the benefits such as free bag check in and priority boarding? Apologies, I should have stated I already have the Costco card. My fiancé and I already shop at Costco, with the regular membership, and usually always get our gas there too. Notable also is reportedly the venmo card is not always giving 3% back in store so again, sans boa i think my costco card is good for all gas + costco. The benefit does not require booking through Costco. However, I am going to keep using it just for Costco, since for some reason could never get myself a Visa credit card (have multiple other cards but all MasterCard for some reason) other than this one. Nice to hear from you again, u/Calisthenics76. But for some other regions where Sam's Club gas is cheaper (plus their credit card gives 5% on gas) the Costco card isn't that desirable. From all the research I've done, I'm surprised they approved me. Some benefits to the card :: •No annual fee •Credit card = membership fee waived. 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. Was trying to increase my return for dining. 5% when redeemed for travel. Thats really all i use it for but it amount’s to about 4-5k spend a year. Members Online Extended warranty is one of the best benefits of this card, so this is really bad. Costco tends to have great customer service. The Premier/Prestige can be PC’d to Costco card after 1 year if desired. ; primary abroad) rental car insurance it offers. Use the Costco card ONLY at Costco and for travel and dining (and gas at gas-only stations). So there is a lot of relevance/usefulness for the card and its benefits. Depending on what else is in your wallet, it doesn't always make sense. And that was without me ever once charging anything to the card. Keep the card, come back, reload it at customer service, repeat. Citi Costco Card isn't considered a regular store card. Thank you everyone for your feedback! Costco travel prices are good, I’ve rented only through them lately. It’s a poor man’s Costco membership. No, my ex wife took my credit cards and racked up a bunch of debt. yrmd tfxqb jgby vpj dnqua pwkuxv huxvofb macyifi gzihwn ubla
