Costco credit card review reddit Costco Anywhere Visa Card overview. Edit I called and they said no, which isn't too surprising. Denied Costco Credit Card . I rerun the Google Pay and then it goes through the second time. Here is my advice look at a recent statement divide your fees/Volume to get your effective rate if it For example, if you got a Chase card that gives you $300 credit towards travel costs plus three times points for travel purchases and the spendable points is worth 50% more if you use it in their travel agency, the free luggage and companion Fare may not mean as much to you. The additional 2% rebate on A post on r/Costco subreddit asks if anyone uses the Costco credit card and whether it is worth Users share their opinions and experiences on the Costco credit card, which offers 4% cash Users share their opinions and experiences on the Costco Citi Credit Card, which offers 4% I love our Costco card, I just hate the lack of a reasonable sign-up bonus and redeeming I love the card and trust Costco. It was a very sizable savings! I rent rarely. It was late - Costco was closed. And I still have a really big cash card plus that rebate. Get the Reddit app Scan this QR code to download the app now. "The first volley is the Active Cash card, offering a flat 2% cash-back rate on all spending, a challenge to Citigroup Inc. Not sure how Costco Travel is coded for rewards? I use the Venmo credit card in warehouses to get If you have Prime and shop at Amazon, it's the best. 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 groceries, and 4-5% back on dining/travel. Building credit, Balance transfer, Travel, Cashback. Costco sold more than $100 million in gold bars last quarter This is the definitive Reddit source for video game collectors or those who would like to start collecting interactive entertainment. it was a great deal for us, especially when you use the costco credit card to book it (3% back on travel). Sometimes the cash card amount makes it worth it to book with them if other travel agents can't match. I work in credit card processing and my industry has a lot of people that will call you everyday. I am kind of new to posting on reddit, but what I have learned is that even a well-documented, well-intended public service concern can be met with rather negative responses and downvotes. You’ll end up being ahead with Rogers cards or even potentially the MBNA world elite. I’ve been debating on getting a new credit card and thought about the Costco one. But I looked up reviews an experiences with the credit card, and they seem to be overwhelmingly negative The number of reviews you’ll see on Costco’s site may not be representative. Rogers card for Costco. So far, contenders are Brim (2% flat), CIBC D. Because so many people don't know their CC already has them covered, and the rental car companies don't tell you, I think of the extra coverage they try and sell you as one step above a scam. Looking for a World Elite Mastercard/Visa Infinite Credit Card. Covers loss of use in the benefits guide. 5% cash back card 500 * 0. I do not find any No AF Visas offering similar backs. 99 yesterday, I upgraded my membership to executive for additional 2% cashback for executive members. I've seen their credit card advertised around. But, I get it. Gas is 4% cash back up to $7000. " But I haven't tested this personally, and WalletHub isn't always correct. 75 / 1,000 = 2. All the AA credit cards are Mastercard (from what I can tell). 5% reduction on the sticker price and I got $1500 off of The flight credit is only eligible through Costco Travel, for the airline you originally booked on, to be used or lost by the original date of purchase. its a VISA 4% on gas up to $7k a year, 3% restaurants, 2% costco 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 you’ll bring to Costco where you can get the physical cash also it excludes supermarket gas like Kroger and other warehouse gas like sams but pretty much any other gas is fair game I did buy a car in April 2022 with a $42k auto loan at 1. Download the app, and I just show the app for store entry. If you don't want foreign fees and want to avoid them in alternative way, Amazon card is the only free card. There are actually a number of such Visas - our sub maintains a list of such cards. I'm seeing some conflicting things online - some say it comes 2-3 months before your membership renewal date (my renewal was in November), others say they come out around February. Credit card rental coverage is dependent on vehicle value and type, so read the fine print. I used my Google Pay at Costco and immediately got a text from WF stating the transaction was declined. No, my ex wife took my credit cards and racked up a bunch of debt. Yes, it's 3% if groceries is your highest spend category for that card. That was all I needed to hear. There are some scratches and a little exchange of yellow paint. This is different than nearly all other credit card rental car insurance which are actually secondary to your regular car insurance. Or check it out in the app stores     TOPICS. Reddit's most popular camera brand-specific subreddit! We are an unofficial community of users of the Sony Alpha brand and related gear: Sony E Mount, Sony A Mount, legacy Minolta cameras, RX cameras, lenses, flashes, photoshare, and discussion. V. It's a place My Costco membership just expired the end of last month but I still received a credit card certificate this month. You really don't NEED a Visa card tbh, I currently don't hold a Visa credit card personally, I'm completely AMEX & MasterCard these days. Priority is cashback (accepted at Costco and free supplementary cards a bonus). You also get the 2% back from the executive membership even on huge purchases like that. 3% cash back at restaurants and most travel purchases No annual fee or foreign transaction fees -acts as membership card. Grocery: Stores that sell food merchandise for home consumption, convenience, bakery and delicatessen stores, and wholesale clubs that sell a full range of goods (often in bulk) and services in warehouse-style stores. I guess people run cards at gas stations to make sure they work, then hit the stores. I was denied a Costco credit card online and the reasoning is “You’re existing Citibank, N. 8% apr but the alaska BoA does 0% balance transfer Apr for 1 year so it was so worth it to manage my credit debt and pay down my actual principle For Costco purchases, I linked my Citi card on my the Costco app. Optimizing by using both cards is awesome. 5%, can cash in any time any amount, has travel insurance etc, & used to have no FX ( the cash back for FX transactions was bumped so no FX fees) but I'm not sure if that part still is a feature With Costco services, you get a bigger discount if you have the executive membership. Also it works at Costco for 1% Cashback. popular-all-users | AskReddit-pics-funny-movies-gaming-worldnews-news-todayilearned-nottheonion-explainlikeimfive-mildlyinteresting-DIY Yeah that’s fair. Shortly after receiving it and activating it, I tried to use it at Costco and it said “Card not authorized” (luckily I had my debit card with me to pay) so I called them. 75 Amex points At the worst redemption value for Amex points (statement credit): 1,000 points = $10 statement credit 2,549. 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. I had seen a few negative reviews on Experian when this was one of my matches that it’s a scam because they are not going Oh ok so once a year you can cash out. I have the business unlimited card, no annual fee. How to cash it online/by phone? I'm homebound and can't visit Costco store. Hi everyone. Skip to main content. Credit card account was recently past due” I don’t have Citibank credit card. dislikes: -store credit, which is mickey mouse -0. With rewards of 4% cash back on eligible gas and EV charging purchases A subreddit for discussing credit cards. Alternatives Scotia Passport Or Amex Gold (0 foreign fees). I printed a check and gave it along with my ID and Costco card to my friend. The card remains in good standing on the credit file and even keeps aging for 10 years on the credit file. I haven’t opened any new credit cards since 2019. If you’re a regular/frequent Costco shopper, I would recommend a card with a regular warehouse category. Costco card for 2% cash back (literally handed me cash in the store) plus executive membership for an additional 2% on Costco purchases. Or check it out in the app stores     TOPICS the big question, is a Costco membership worth it? A subreddit for discussing credit cards. It's nice that you get to keep the full credit, but also sucks a bit because you're restricted to I used Costco credit card from CapitalOne for 5 years, everything was fine, my life is full of amazing & peace. I visited CIBC website, every transaction looks correct and happy. AF is We shop once or twice a month at Costco and have the executive membership. I got approved and got the card a couple of weeks after that. The machine at self checkout asked if I want to use that payment method and I click yes. 5% when redeemed for travel. Ex wife for a reason. We buy enough over the year to get like $180 cash back,so it pays for the annual membership cost. 1 point on everything else but if you redeem points for travel that gets multiplied by 1. That's almost $100 more than the AF. The second is that Wendy’s, who had introduced cards about a year earlier, found that the average card sale was $1 more than the average cash sale (about The benefits to the credit card are superb compared to my current discover it credit card that gives almost nothing back. A Reddit dedicated to anyone interested in RVing. UPDATE (2/4/23): I applied for the Costco Visa Card. I mostly use the money account but you get all the same cash back benefits on the money card as your credit card and there are no fees. They have a paper that states rewards certificate will be included in the February billing statement and is good until the last day of December of that year. He was hoping to be able to use it as a membership card, too. We had a great time and have booked multiple trips through costco travel since then (vegas and miami). However, I can’t find any link to pay my bill. My mother has recently had her credit card information stolen, and said information was able to be used to purchase $2000 worth of items at my local Costco. For other stuff use a 2% or more flat-rate card. I have a regular Costco Gold Star membership and the Costco Citibank card. Please review your Costco details: Credit Card or Payment information Billing and/or Shipping information We suggest that you pay particular attention to the items above, making any necessary changes, prior to placing another order. This way, you aren’t constrained to Mastercard. edit subscriptions. I have just under 800 credit score, and they still rejected me because of monthly income. Paying with a credit card can So yes, cash back cards can sometimes eclipse travel rewards cards. Check will expire at the end of 2023. (I've shopped at 2 other Costco locations over the Im on vacation and wife side swiped a yellow pole in a parking lot. Review your credit report, if there's accounts that you didn't What is your income level (for credit card qualification)? Feel free to ask people for help looking up your credit score. Generally all companies have worrying reviews there. I use Costco and my CIBC Costco Mastercard almost exclusively for everything. You don’t need to carry the actual card for anything but gas. Even though it has a $75 annual fee, the extra cash back offsets that fee, plus there are numerous other 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. Lastly the only card that works for now is 53 votes, 45 comments. But for some other regions where Sam's Club gas is cheaper (plus their credit card gives 5% on You should have a few months of wages as an "emergency fund" - and that can go towards meeting the minimum balance to get the the free premium chequing acct+premium credit card as well. 5% CB instead of the 1% that the CIBC Costco card pays. 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. The Costco Anywhere Visa® Card by Citi is a top choice for earning gas rewards, offering 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco. Not a big deal unless they ever move to a city without a Costco. 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 you a flat 5% on groceries or a Visa that gives you more than 3% back on Costco, it kind of is the best in class for groceries (the 3% back at gas stations, pharmacies, and streaming services are I know this is late but basically none of the cards are going to work with it. View community ranking In the Top 1% of largest communities on Reddit. There are other cards like tangerine world that you can add more categories for 2% cashback if you really want to optimize your free credit cards cash back. They do not offer travel interruption coverage any more. I was on gold star membership and I have a city Costco anywhere credit card. 5% all CAD purchases and 3% USD purchases cashback. I had a 810 credit score before her and currently have a 730 and thats with a I have both the money account and the credit card. Costco. 25% online shopping with preferred rewards. Instead, pay for whatever you got that day with your credit card, earning rewards for the next check. I go about 2 US Bank Altitude Reserve is the GOAT Costco card with the unlimited 3x Mobile Wallet. The credit card itself has the 2% cashback for any orders at Costco and Costco. It does have some interesting quarterly offers/temporary offers. This works well for Costco gas too as 3% on Costco gas costs you lot cheaper than with 5% cash back cards at regular gas stations. How do I get my Costco 4% back? The card_name lets you earn 4% back on the first $7,000 you spend on gas Yes, the Venmo card does give you 3% at Costco as long as groceries is your highest spending category for the month. g. The Fidelity Visa's 1% FTF, while certainly not ideal, at least leaves the card as an (effectively) 1% cashback card outside the U. Do you have any cards you've been looking at? e. Posts that don't follow r/Costco subreddit rules MAY be subject to removal. According to WalletHub, Uber/Lyft do count as "eligible travel. If you use the Costco Credit Card, you get 2 percent cash back on everything you buy. The last company I used was a kitchen countertop company that offered to replace my countertops for $30K with a $3K Costco cash card after we paid for it. 3 points per dollar on all Apple Pay and travel, which can be your gas and Costco. Using EBT food stamps card at Costco multiplies the buying power of your but yes, the costco citi visa is a great credit card for a student. Other cards are nice, but only the Citi Costco card gets an additional 2-year extended warranty on every purchase, not just those made at Costco. If I upgraded to an executive membership, there is not any additional % back correct? If you didn’t know, Costco purchases are categorized as ‘warehouse’. For regions where Costco gas is the cheapest, it's amazing. 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/loan, investigating unknown information on 21 votes, 24 comments. The CIBC Costco card is only good if you shop at Costco. " Back about 20 years ago when McDonald’s started taking cards, they did so for a couple of key reasons The first was that it shaved an average of 7 seconds off a drive thru transaction. 54975 View community ranking In the Top 1% of largest communities on Reddit. Other Visa cards offer similar if not better cash back rewards, but you may need to have more than one card to achieve something better than the Costco card if talking strictly in cash back %'s. Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: Template for Card Recommendation Requests I want to get a membership at Costco but unfortunately they only take Visa. The Rogers card has 1. Can this card be turned into a membership card as well so he doesn't need to carry 2 cards? We have a business membership. To be honest I’m just beginning to go down the rabbit hole with other things cards offer besides cash back for example cell phone protection extended warranty ETC. From road trips, advice, or buying and selling; please come share your experience or take some advice. Or check it out in the app stores were looking at. Disclaimer: This is an unofficial Costco subreddit, r/Costco is not affiliated with Costco Wholesale Corporation or any of their subsidiaries. They told me that my account was under review by the fraud department and they would be in touch. Denied Citi Costco Credit Card . 2% cash back executive card 2% cash back Citi costco card 4% cash back at the fuel pump + convenience of single card tap. . com. past 3 years I’ve been just thinking about cash back, and now that I have 8 cards I’m starting to dive in deeper and know what exactly the cards offer because I’m the past I wouldn’t even think about it I've never had fraud charges, but in general I didn't use it for everyday spend, and tried to use mobile wallets (Visa Click-to-Pay/Visa Checkout, PayPal) when using online, and the only gas station I use it at regularly is Costco (where contactless is enabled, avoiding any skimmers that could be attached to the pump by ne'er-do-wells). And while annoying, I prefer a flag to finding fraudulent charges! I have a combo Citicard /Costco membership card. 5% up to a limit and than 1% after, gimmicky for general purchases -card is ugly to bland -fees recently increased on the card -website going to be down for like 4 days for an update soon, which is very long -have to pay Costco membership. Now I'm stuck at the 10-14 days review as well. Was cheaper than what the line was offering plus other websites too. Read credit card reviews on somewhere like Credit Karma closely and half of the bad ones will be complaints about being denied for the card or having to pay interest. "). everything went seamlessly for us, no hiccups whatsoever and our costco gift card was promptly mailed to us without us having to do anything (it was part of the promotion In my experience, most credit cards accumulate points that don't expire. This leaves people who are upset for some reason. You also have benefits (as outlined by the commenter above), and perks/credits (Status? Companion fare reductions? Free checked bags? Free nights?). Anybody have any recommendation on another travel credit card (visa) for points that I will only use there? (Will realistically only spend $5-6k a year there). With this, I was able to raise my credit score to 700. The salesman said yes they were, so all I had to do was give them my Costco card and they came back with a 2. Switched for simplicity sake to single credit card for basically everything we could Locked post. The only major upside for the Costco Citi credit card is the 4% cashback on gas. I recently got the new credit card from Version and I'm curious to know if it offers 4% cash back at Costco. Pair this with an American Express card that offers the primary car insurance add on. That means you won’t earn any additional points or cash back when using your card at Costco, even if Most people don’t leave positive reviews on credit cards. Suspicious behaviour by Reddit user making reference to Canadian ID protection company All cards have bad reviews on Trustpilot, even those who invite users to leave a review being promised a reward. It was an odd situation where I needed a car right away. Like 5% back at Costco, 10% back on utilities, spend “X” outside Best Buy get $50-75 in credit, or chose category(air travel, merchandise, home improvement etc etc) get 5% back on. Reply reply igmanf Question about Costco Get the Reddit app Scan this QR code to download the app now. Well, the Costco card reward is 1% (outside of gas & restaurants) so I'd say there's a lot that are better. I also have a US Costco Visa card for our time in Arizona. I’m an Amex user but 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. Use the Costco card ONLY at Costco and for travel and dining (and gas at gas-only stations). When applicable, please make sure that you're using a descriptive post title with product name(s) mentioned as it yields better subreddit search results. From the T&C, it states that wholesale clubs falls under groceries. I use the Rogers World elite 1. Read a review on Yelp that said one must have a Canadian credit card or cash. Or check it out in the app stores Costco Travel - ideal card to use? A subreddit for discussing credit cards. Without preferred rewards, the card is 3% back, so altitude reserve would be the best runner up at 3% mobile spend (4. ca allows you to use any credit card you want. Depending on what else is in your wallet, it doesn't always make sense. I'm trying to figure out when I will get the rebate check. 75k, Nov 2019 Chase Freedom, 1. Buy a shop card with Bank of America credit card set to 3% cash back in online shopping. But when I do I always ask about Costco discount. This limit is significantly lower than the limit I was given on my first credit card when I was 18 and only made about $12k/year ($8k). If you frequently shop at costco, get the costco citi card. New comments cannot be posted. I have a feeling it was the person's credit card company that declined (because it looked weird) rather than Costco, but I wanted to double check. you get 4% back on gas, 3% back on travel and dining, and 2% back on costco purchases. I have the Costco $99 executive membership credit card. He said I just need your Costco number. A. You only get your cashback as an annual voucher. The Costco Anywhere Visa® Card by Citi (see rates and fees) is one of the best store credit cards on the market. Thank you everyone for your feedback! Does anybody else experience problems with Wells Fargo credit cards being wrongly declined? It happened for a second time in about 4 months. I have the costco rewards membership so i redeem once a year some sort of a check. 5/points and 1. The Costco card from Citi dispatches a "certificate" for rewards that expires at the end of the year. 5/points. PNC bank rewards excludes costco in their terms. ’s Double Cash product and a card offered jointly by Synchrony Financial and PayPal Holdings Inc. Costco is a warehouse mostly for the middle class. If you already have a Costco membership, this card is a solid way to earn rewards across a wide range of Hi everyone. You can then use the Costco credit card to pay for gas, restaurant and online at costco. com then shop away. So in that one instance it was great for us. The robber managed to manufacture a fake credit card with her information and use said card to make the purchase. 95 activation fee $509. Tip: Though convenience store purchases are technically excluded from the Citi Costco card’s 4 percent gas bonus, most gas stations attached to convenience stores will still earn the bonus, since the Visa You must buy a Costco Membership (=AF). A subreddit for discussing credit cards. I applied for Citi Costco last week. Last year I had the same situation. 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. Info: I have traveled world-wide and never had issues with my Subtract Costco shop card at 10% and the 2% rebates for executive and costco visa each, looking at total at $5590 after card and rebates. They didn’t open up a Citi credit card until March and it shows they have roughly $50 worth of rewards. I decided to actually read the reviews of getting approved, and lots of people with a 750+ credit score reported getting denied left and right. Before the bankruptcy I had several cards and accumulated almost $100K in credit line. My spouse was just added to the Citicard account. Am I being naive? jump to content. Wells Fargo will introduce a low-interest-rate card in coming months and a new rewards card line next year. Verizon Credit card at Costco 4% back? r/ATT stands with the Reddit community in protest of the API changes. It is a Visa and it gives you 3X if you use a A: personal auto insurance B: credit card coverage if applicable. 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. Just want one card, only. There may be other ways to get cheap travel but you can't beat the convenience of that For me, earning the extra 0. ALSO: they take food stamps. In addition, the 3% category can be used for wholesale clubs, which gives me an extra 1% on my Costco purchases (compared to Citi Costco card). Keep the card, come back, reload it at customer service, repeat. If you tell your insurance you have other coverage, file with your credit card. Note that gift cards can’t be used at the gas pumps. It’s not really a thing. Personally, there's only one great card and that's the: USAA Cashback Rewards Plus American Express® Credit Card. So my parents opened up a Citi credit card to use at Costco. If you don't know your credit score it can help to mention which banks you are with as some of them offer free credit score calculation. & makes more on purchases than the Citi Costco card (if grocery is your top spend). Yet, they were all denied. Citi Custom Cash doesn't have an online shopping category, just select streaming services. The Costco card does require a membership ($60 a year) and you can only redeem the rewards once a year but you can just go to 13 votes, 26 comments. It pays for my Costco membership. 5 in return Cobalt Card: $500 Mastercard gift card at Sobeys for 5x points $9. I use my 3% cash back Visa card (mobile wallet only) at Costco, other than for gasoline. Years ago I think all AmEx cards offered it, but its been awhile since I checked. C: personally pursued by collections. 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. 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 Gas: Costco visa at Costco (4% off costco price) Grocery: Blue Cash everyday because of $10 cash back on $200 spend for next two months and 3% back (thats all i spend in non Costco grocery). It's my understanding that when booking with Costco, I'd get 5% cashback (3% based on using the credit card itself, and 2% for booking directly with Costco). back in 2017. Just emails that get buried in spam. MCs like CCC can be used on their website though if you need to purchase products or shop cards. This year's rebate is gonna be something wild thanks to that particular decision. I read the terms and it states "If you have already received a credit card reward certificate, once your account is cancelled you can still redeem any credit card reward certificate already issued to you. 5-1% on everything else earns me more than the Costco 3% or 4% categories. and costco DOES NOT accept any credit card unless its visa (so discover it is OUT). Sam's Club Mastercard gets 0% cash back on Bonus Offers! With the Daily Advantage I'm guaranteed Use credit card that has high bonus for online purchases category, for example Citi Custom Cash for 5% or BofA Customized Cash with Preferred Rewards tier for 5. Referral link: get $25 for signing up for credit card or money account Get the Reddit app Scan this QR code to download the app now. During the pandemic it was possible to cash such checks online, not anymore. His card came without any membership info on it. Just got the Canadian executive reward (bit over $400) so that was nice. Archived post. For Costco i should use something like US bank altitude reserve but i just use Costco card (2% at costco warehouse). I’ve jump to content. To avoid the headache, I've switched to just using my AOD credit union card (flat-rate 3% This is my first year with the Costco credit card, which I got back in February. But the point of a travel rewards card goes beyond the rewards program. Buy Costco shop cards on Costco. Always consider the total sum of a credit card's benefits 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. my The Costco Anywhere Visa® Card by Citi (see rates and fees) is one of the best store credit cards on the market. The only impact of closing a card is lowering the credit limit, which to some users is not a problem, and which can easily be offset by opening a cÐý @þöjþ ýžÙײy+› |“WjÉP%Y %{'ÿÿšŸn+LeªR” jÅ'&›_Ì_ x83 Ef! F/ + 5I¾È–e Dé«ì6ò©>Ƭú9Ë " ÙÙ0 C}þ¦/ó4yÕ®Ÿ^üâ)ûå Author: u/billknee Title: Citibank Costco card had fraudulent charge, after 2 months of "investigation" they tell me my dispute is denied. For instance, many on here are fans of rotating cashback cards like the Discover it and Chase Freedom Flex, but the Langley Signature Cash Back Visa and Nusenda Platinum I have not had good experiences with third party services offered by Costco. No limits on anything else. Very impressed with T-Mobile. Target is only excluded bc most of their My friend worked for a credit card company (not naming it) and told me that when I was flagged, it was because I went to a gas station and then spent a couple hundred dollars at a shoe store. Glad you asked this question as I'll be renting a car soon and planned to use my Costco card because of travel rewards, though would rather have the security of insurance. I don't know what their minimum is, but considering they're the only card I've ever had reject me with an exceptional credit score, it must be pretty middle class. I also read that CITI Bank is very inquiry and new account A subreddit for discussing credit cards. You do need the card for gas. The "top" gas card is the Abound CU Visa Platinum, which offers unlimited 5% cashback on gas (including at Costco) with no AF. Both my cruises were booked from Costco because of the on board credit and cash card they sent us. My experience was you'll get to 100K sooner than you think with pre-authorized contributions scheduled to come out on the same day as every paycheque ALSO, will credit cards allow me to get points on gift cards purchased at costco? I buy a $450 southwest gift card once per year ($500 value) to visit my parents. They offer some pretty great benefits on the card I was unaware of. When we said no thanks they offered to do it for $22K if we did not go through Costco. Almost all of them reported having "very good" to "exceptional" approval odds on Credit Karma before applying. You can also search for credit cards using the various Canadian credit card websites 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. Costco tends to have great customer service. It’s a poor man’s Costco membership. I do however hold a Wise MultiCurrency Prepaid Visa that I use when I go to Costco in the US as that's the only place I've been to that only takes Visa or places that don't take AMEX while abroad but still want to avoid the FX fee. 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 the Rogers World Elite MasterCard instead as the Rogers WE MC pays out 1. Went to rental car place to rent. If you have the executive card and the credit card you get double the 2% cash back. Got the best rate possible at that time compared to all rentals. You can use the tool I shared above to compare it to other mastercard network cards (filter on mastercard) and input on Costco. The Venmo card is one of the few cards to count wholesale clubs, Walmart, and Target in its groceries category. They threw in a Costco gift card, free wifi, drink packages, and gratuities too. I “We regret to inform you that we were unable to process your Costco order. It is probably one of the more likely sales calls that you will receive. Since Costco switched to CIBC credit card exclusively in 2022 March, my nightmare started. The Costco Anywhere Visa® Card by Citi *, from our partner, Citi, could stand on its own as a top-tier cash-back credit card. optix_clear • Currently AutoPay lender is at 4% depending on credit worthiness and So I got a check from Citi Costco Visa card. You can link most credit cards except for Discover and get cash back. S. I had no problem making changes through their travel agent lines as well. The combo will get you 5% cash back in addition to the cash card and obc they offer. Income/Eligibility/Min Yearly Spend/Annual fee is not an issue. Sam's Club has Bonus Offers similar to credit card Merchant Offers. Please see r/Save3rdPartyApps and this article for more information: https The costco mastercard gives you 1% in store purchases (which most people do) so a total of 3%. com, 1% cash back on all other purchases. 2. Do get the exec membership if you opt for that, and consider the Citi credit card. They’re worthless. If you use the reward check, you are not using the credit card to earn rewards. But the other big thing to consider is the likelihood that you would ever not want to renew your Costco membership maybe you don't find it useful, or you move somewhere where Costco isn't. 35k, April 2020 Capital One Journey, 1k Planning on booking our honeymoon to Tahiti through Costco travel. $400 x 12 × 4% = $192. on Google took me to a "wallet" type credit advice site where an analyst had posted a note on 09/09/2021 that "The Costco Credit Card doesn’t offer Booked Costco rental car in Alaska in Aug 2022. Exactly. 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. As the gold bar was available at 2379. I didn’t use Costco Visa card and used another credit card which had primary collision insurance at the airport What's the purpose of your next card? e. Definitely look into rental car coverage on your credit card, and use thr card to pay for the rental. It offers substantial rewards in those categories, in addition A subreddit for discussing credit cards. What steps should I take? Original Post: I have a Citibank Costco credit card and called in 2 months ago when I saw a charge for over $2000 at a Costco location I've never been to before. I, Meridian VISA. I almost failed to join a telecom network because of those reviews but I have no complaints ever since I switched. This way you get 3% cash back on your Costco shopping and an additional 2% if you have the executive membership. 95 * 5 = 2,549. In the event of damage that is the order the rental agency will follow. And that was Boa customized cash for 5. Compared to a 2% card (which is all the Walmart card pays after the first year), I'm getting an additional 4% on all my Walmart purchases. No alerts on the mobile app when you pay the bill every month. Was my first credit card as no one else would give me one when trying to build credit. I currently have a discover Student IT card as my first credit card. Late at night. That is about the same as the Kinetico price that was quoted, but Kinetico is a gravity driven system that does not use electricity. Internet Culture (Viral) Amazing; Animals & Pets 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'm considering the Costco credit card for all the cast back it offers, I go to Costco pretty often, and got ~$130 back from my executive membership this year. Be sure to read sub rules before posting, use the resources linked in the sidebar / about section of the sub, and use search to Wholesale clubs like Costco have grown in popularity because of the high-quality products offered and opportunities to save on necessities and indulgences alike. They mentioned Costco. just note that it takes upwards to 2 months to receive the citi costco card since they have to verify the membership and information. Given no annual fee, does not hurt to add it to portfolio. 015 = $7. So if it ends up being $5k, you'll get $100 back just from the membership and Welcome to Costco, we love you. Don't assume. ” Discover one of Citi's best cash back rewards cards designed exclusively for Costco members; 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter Still better than many of its better-known 2% competitors, including the Citi Double Cash, Wells Fargo Active Cash, FNBO Evergreen, Synchrony Premier, (Synchrony-issued) PayPal Cashback Mastercard, all of which charge a 3% FTF. The are only a few other cards that can match 3% everyday in wholesale clubs. Therefore, you're not getting any cash back on that purchase. It is, of course, a Visa, as its name suggests. The cost is like 16-20 bucks a trip (up to 30 days long) and covers any property damage up to 100k. As it's an $8000 purchase, I want to make sure we maximize rewards. Apple Card is and will continue to be my daily driver but don’t want to pay my bill with debit or checking and need a visa at Costco which didn’t want to continue to use debit there. my subreddits. Costco isn’t considered a grocery store by credit cards Costco isn’t classified as a grocery store according to Mastercard’s merchant code system. Good luck. What is the best Credit Card (Visa) to use at Costco (wholesale club) with a high cash back or rewards rate, other than Costco Visa Card? Average spend at Costco is over $15,000 a year. ca. 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 heard that the best credit card for Costco is the US Bank Altitude Reserve. Also, as noted already, Costco only accepts Visa in-warehouse. 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/loan, investigating unknown information on Us bank altitude reserve. I've done all inclusives twice but unless you are throwing down big, the experience and food has for me ya i has 10k in credit card debt nc it was getting impossible paying down 28. Make sure your balances on other cards are clear, then apply at a warehouse. (Perhaps a point in favor of WalletHub's accuracy here: WalletHub agrees that "train and commuter travel fares" do not count as "eligible travel. We did not get rental insurance as the costco credit card advertises coverage if you use it (also booked through Cash back card: $500 spent at Costco 1. As you know Verizon doesn’t allow you to use another credit card to pay bill without charging and losing discount. It counts under the credit card reward. But I pay with a different card, capital one venture, to get travel points. My FICO score: 709 (Transunion) 708 (Experian) Income: 31K Credit Cards: Discover It student, 1. The Costco credit card requires excellent credit for your the best chance at approval. I always pay off my credit card so no debt in that department but if Costco doesn’t keep me, would that close the credit card since I wouldn’t have a membership after? I’d buy one if I wasn’t kept but yeah. Our list of category cashback cards includes some unusual (but good) cards that are not really well-known outside the most "hardcore" enthusiasts in the community. true. 99%, but have not had any other credit pulls or issuances since. Strangely I have the Costco credit card which they scan at the beginning of the transaction. The Costco cash cards arrived fast, too. Hard to beat the 4x or 4% back on Costco’s already cheap gas. I was denied due to short history. Total dark pattern to keep your money. Bottom Line The Costco Credit Card is worth it for Costco members with excellent credit, especially those who spend a lot of money on gas, travel and dining. 25% cashback. idk about you but dining and gas were my biggest spending categories in college What I do is purchase Digital Costco gift cards on Costco. We got a few thousand off the "lowest price" and got a Costco gift card with like $500 on it. Asked if there were any promotions. Heres some copied and pasted info from the website 5% cash back on your first $3,000 in combined gas station and military base purchases yearly I asked them if they were a part of the Costco car buying program. 5x so essentially 4. Chase Freedom Unlimited. krrv rcrecud flsvmkvg mqb xqdw mzad imvi fndsn xvnrm bkpi