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7 Common Myths About Costco Citi Card Rewards | costco citi card rewards

CNN Underscored reviews banking articles such as acclaim cards and coffer accounts based on their all-embracing value. We may accept a agency through the LendingTree associate arrangement if you administer and are accustomed for a card, but our advertisement is consistently complete and objective.

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If you acquisition yourself affable at home added than activity out appropriate now, advantage are apparently a cogent allotment of your anniversary budget. That agency you'll appetite to acquire as abundant banknote aback or biking credibility on your bazaar purchases as you can. The acceptable anniversary is that not abandoned are there a cardinal of abundant acclaim cards for grocery shopping, some cards currently alike affection limited-time bonuses on groceries.

But which acclaim agenda is best for advantage appropriate now? CNN Underscored has best our accepted admired acclaim cards to use at the supermarket. The appropriate agenda absolutely depends on your needs and arcade habits, but blow assured — there's a agenda for everyone.

Blue Banknote Preferred® Agenda from American Express: Best for banknote aback at US supermarkets

American Express® Gold Card: Best for points

Chase Freedom Flex: Best for flexibility

Chase Freedom Unlimited: Best for accustomed use

Costco Anywhere Visa® Agenda by Citi: Best for advantage and gas

Amazon Prime Rewards Visa Signature: Best for Whole Foods and Amazon Fresh

Target REDCard: Best for advantage at Target

Amex EveryDay® Acclaim Agenda from American Express: Best for biking rewards with no anniversary fee

Let's dive into the capacity of anniversary of these cards and see how they analyze to one another.

If you absorb added money at grocery food than anywhere else, afresh the Blue Banknote Preferred from American Express is the agenda for you. Although some added cards are currently alms added bonuses on advantage for a bound time, this agenda will consistently accord you a abundant acknowledgment on your bazaar purchases 365 canicule a year.

The Blue Banknote Preferred offers 6% banknote aback at US supermarkets for up to $6,000 in purchases per year (then 1% banknote aback afterwards that). There's no added agenda that offers this abundant banknote aback on advantage on an advancing basis, so this is absolutely the best agenda aback it comes to accepting banknote into your pocket.

Aside from the 6% banknote back, the Blue Banknote Preferred additionally offers a able 6% banknote aback on baddest US alive subscriptions. While actuality ashore at home, there's a acceptable adventitious you've upped these cable services, so this is one way to save some money in that department.

You'll additionally accept 3% banknote aback at US gas stations and on alteration with the Blue Banknote Preferred. Although those are apparently a abate allocation of your anniversary appropriate now, aback activity gets aback to normal, this is an ideal agenda to use on those categories as well.

7 Review: Costco Anywhere & Anywhere Business Visa Cards by Citi

Keep in apperception that the Blue Banknote Preferred does backpack a $95 anniversary fee, but if you're maxing out the 6% banknote aback at US supermarkets — $360 per year on $6,000 in purchases — afresh the anniversary fee pays for itself absolutely quickly.

However, if your grocery costs aren't that high, you ability accede the Blue Banknote Everyday® Agenda from American Express instead. The no-annual-fee Blue Banknote Accustomed earns 3% banknote aback at US supermarkets (up to $6,000 per year, afresh 1% banknote back). That agency if you absorb beneath than about $3,166 in grocery purchases annually, you're bigger off with the Blue Banknote Accustomed instead of the Blue Banknote Preferred.

Related: Is the Amex Blue Banknote Preferred or Amex Blue Banknote Accustomed best for you?

Learn added and administer now for the Blue Banknote Preferred card.

The American Express Gold Agenda is a best agenda for groceries, as you'll not abandoned get a almost aerial return, but additionally some absurd baked-in benefits. It's not a bargain acclaim agenda with a $250 anniversary fee, but you ability acquisition that the allowances outweigh the fee.

With the Amex Gold, you'll acquire 4 credibility per dollar spent at US supermarkets (up to $25,000 per year in purchases, afresh 1x), 4 credibility per dollar spent at restaurants worldwide, 3 credibility per dollar spent for flights appointed anon with airlines or on amextravel.com and 1 point per dollar spent on aggregate else.

CNN Underscored's accomplice The Credibility Guy ethics Amex Associates Rewards credibility at 2 cents each. That agency you're attractive at an able 8% acknowledgment at US supermarkets, which is the accomplished complete acknowledgment you'll see for advantage on any acclaim agenda on an advancing basis, alike if added cards on our anniversary are bigger for a bound time.

Aside from earning a lot of points, the Amex Gold additionally offers several anniversary anniversary credits. Appropriate now, the easiest one to booty advantage of is the up to $120 in dining credits. With this perk, you'll get up to $10 in anniversary credits anniversary ages aback you use your agenda to pay at baddest merchants, including Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed and accommodating Shake Shack locations.

With both Grubhub and Seamless on this list, if you're acclimation out consistently these days, you can calmly use up these credits anniversary month. And starting aboriginal in 2021, the Amex Gold will additionally appear with $10 anniversary ages in Uber Cash, which can be acclimated for either Uber rides or Uber Eats deliveries.

Finally, while it's difficult to use at the moment, addition money-saving anniversary of the Amex Gold is its up to $100 in anniversary airline fee credits that are accessible in 2021. These can be acclimated on your airline of best for accidental fees, such as arrested bag fees and attache pet fees, and will be admired already air biking starts up again.

Related: CNN Underscored's analysis of the American Express Gold card.

Learn added and administer now for the American Express Gold Card.

If you accept cogent grocery expenses, the cast new Chase Freedom Flex acclaim agenda ability be a abundant choice. That's because appropriate now through January 13, new Freedom Flex agenda holders acquire a whopping 5% banknote aback on grocery abundance purchases (not including Ambition or Walmart) in the aboriginal year you accept the card, up to a best of $12,000 in spending.

New agenda holders can additionally acquire $200 in anniversary banknote aback afterwards spending $500 on purchases in the aboriginal three months afterwards you accessible the account. And the Freedom Flex has a set of anniversary categories that circle anniversary quarter, forth with a leash of anchored anniversary categories, so it's accessible to acquire alike added banknote aback aloof by application the agenda in abounding of the places you commonly shop.

But if you appetite added bulk for your rewards, there's a way to get alike added from this card. Aback you brace the Chase Freedom Flex with a exceptional Ultimate Rewards agenda — such as the Chase Sapphire Preferred Agenda or Chase Sapphire Reserve — you can catechumen your banknote aback from the Freedom Flex into Chase Ultimate Rewards credibility at a arrangement of 1 cent for 1 point, afresh alteration the credibility to your exceptional Chase card.

Once you've adapted your rewards to points, you can redeem them based on the options accessible on your exceptional card. That agency you can use them at the Chase biking aperture — area your credibility are anniversary amid 1.25 cents apiece with the Chase Sapphire Preferred and 1.5 cents apiece with the Chase Sapphire Reserve — or with Chase's "Pay Yourself Back" tool, which lets you redeem credibility for purchases you've fabricated in acceptable categories, including grocery stores, dining establishments (including commitment and takeout) and home advance stores.

Costco Anywhere Card Cash Back Reward - Citi.com

Learn added and administer now for the Chase Freedom Flex.

The Chase Freedom Unlimited currently appearance the aforementioned sign-up anniversary action as its sister card, the Freedom Flex. That agency now through January 13, new agenda applicants acquire 5% banknote aback on grocery abundance purchases (not including Ambition or Walmart) in the aboriginal year you accept the card, up to a best of $12,000 in spending, and can additionally acquire $200 in anniversary banknote aback afterwards spending $500 on purchases in the aboriginal three months afterwards you accessible the account.

But you'll additionally acquisition this is a abundant agenda to accept alike aback you're not grocery shopping. That's because the Chase Freedom Unlimited earns 1.5% banknote aback on all your purchases, and additionally now has three abiding anniversary categories: 5% banknote aback on biking purchases fabricated via Chase Ultimate Rewards, 3% banknote aback on dining — including takeout and commitment — and 3% banknote aback at drugstores. These new categories add a ton of bulk to an already actual solid offering.

Even better, if you appetite to acquire credibility for biking bottomward the alley aback borders reopen and planes get aback in the air added broadly, you're already in acceptable appearance with the Chase Freedom Unlimited. That's because aloof like the Freedom Flex, you can brace this agenda with addition exceptional Chase biking acclaim agenda such as the Chase Sapphire Preferred and redeem your rewards for biking at a college bulk than if you aloof took the banknote back.

The one downside is that if you already accept the Chase Freedom Unlimited, you now accept the leash of new anniversary categories but not the 5% banknote aback on grocery abundance purchases, as that's allotment of the card's sign-up anniversary for new agenda holders only.

Learn added and administer now for the Chase Freedom Unlimited.

If you like to buy in aggregate — and save money forth the way — there's a acceptable adventitious that you're frequently at Costco. And if you drive regularly, you apparently absorb a lot of money on gas as well. People who abatement into this brazier may acquisition that the Costco Anywhere Visa Agenda by Citi is a abundant advantage for both your grocery and gas needs.

With this card, you'll acquire 4% banknote aback on acceptable gas purchases (for the aboriginal $7,000 per year, afresh 1% thereafter), 3% banknote aback on restaurant and acceptable biking purchases and 2% banknote aback on all added purchases from Costco and costco.com. This is a no-annual fee card, but it does crave you to accept a Costco membership, which starts at $60 per year.

You'll apprehension that the able clothing for this agenda is absolutely on gas purchases. Yes, you'll acquire 2% banknote aback on groceries, but that abandoned matches what you'd get on CNN Underscored's criterion acclaim card, the Citi® Double Banknote Card, which earns 1% banknote aback aback you accomplish a purchase, and addition 1% banknote aback aback you pay it off.

However, Costco abandoned takes Visa cards at its stores, and aback the Citi Double Banknote is a Mastercard, it's not an advantage for your in-store Costco purchases (though you can use it at costco.com, which accepts acclaim cards added than Visa).

Outside of your grocery purchases, acquirement aegis is addition acumen to use the Costco Anywhere Visa. With this benefit, you'll be covered if any anniversary you buy with the agenda is damaged or baseborn aural 120 canicule of acquirement (90 canicule for New York residents). The advantage is acceptable for up to $10,000 per anniversary and $50,000 annually — a aerial cap for a acclaim agenda with no anniversary fee.

Related: CNN Underscored's analysis of the Costco Anywhere Visa Card.

Learn added and administer now for the Costco Anywhere Visa Card.

If you're arcade abandoned through a commitment anniversary appropriate now, there's a acceptable adventitious that Whole Foods and Amazon Fresh are your go-to apps. Although the Amazon Prime Rewards Visa Signature agenda requires that you be an Amazon Prime member, this is a no-annual-fee agenda that earns 5% banknote aback at Amazon and Whole Foods, and that includes Amazon Fresh deliveries.

Aside from the 5% banknote aback you'll accept on all of your Amazon and Whole Food purchases — both in-store and through the apps — you'll acquire 2% banknote aback at restaurants, gas stations and drugstores. Also, clashing some added cards on our list, there's no cap to the bulk of banknote aback you can accept for grocery arcade at Whole Foods or Amazon Fresh.

Related: Are you application the best acclaim agenda to buy on Amazon?


The Amazon Prime Visa agenda additionally offers acquirement protection, which covers you adjoin accident or annexation aural the aboriginal 120 canicule of your purchase, up to $500 per affirmation and $50,000 per account. Although this anniversary doesn't bulk abundant for groceries, it could appear in accessible for your added Amazon purchases. Aloof accumulate in apperception that if you're authoritative a acquirement beyond than $500, you ability appetite to accede addition agenda that offers college aegis limits.

Learn added and administer now for the Amazon Prime Visa card.

For those who boutique at Ambition and buy advantage there as well, the Ambition REDCard should authority a appropriate abode in your wallet. With this card, you'll accept an actual 5% abatement on best of your Ambition purchases. No charge to delay to accept banknote aback or a rewards affidavit — the bulk paid during checkout will be instantly bargain by the abatement artlessly by application the Ambition REDCard.

One affair to apperceive is that the Ambition REDCard is what's accepted as a "closed-loop" card, which agency you can abandoned use it at Ambition — either in-store or online — and boilerplate else. However, Ambition sells abounding third-party allowance cards for added food and restaurants, and you can get the 5% abatement on those allowance agenda purchases. This apparently allows you to get a 5% abatement at abounding added merchants as well.

Aside from the 5% discount, there are added allowances that appear forth with the Ambition REDCard. For example, on an anniversary basis, agenda holders accept a 10% abatement advertisement that can be acclimated during a distinct Ambition arcade trip. You'll additionally get chargeless commitment for best items bought at target.com afterwards the $35 minimum usually appropriate for chargeless delivery.

Additionally, in accomplished years, agenda holders accustomed added complete Ambition discounts and added promotions. There's no cogent what offers we'll see in 2021, but about there are a cardinal of opportunities to save money with the Ambition REDCard.

Although biking is belted at the moment, it's not a bad abstraction to accumulate credibility and afar now to redeem for biking in the future. The Amex EveryDay Acclaim Agenda earns 2 credibility for every dollar you absorb at US supermarkets on up to $6,000 per year in purchases (1x thereafter). You'll additionally acquire an added 20% anniversary on all credibility becoming afterwards you use your agenda 20 or added times on purchases in a announcement period.

The credibility becoming on the Amex EveryDay are Associates Rewards points, which can be adored for up to 1 cent apiece via Amex Travel, or for potentially alike added bulk aback you alteration them to any of Amex's 21 airline and auberge partners. Aback The Credibility Guy ethics Amex credibility at 2 cents apiece, bold you use your agenda 20 or added times anniversary announcement cycle, you'll acquire 2.2 credibility per dollar at US supermarkets, giving you an able 4.4% acknowledgment on those purchases.

Now, if you buy a lot of groceries, you ability acquisition that accepting the Amex EveryDay® Preferred Acclaim Agenda from American Express is a bigger option. Although the EveryDay Preferred agenda comes with a $95 anniversary fee, you'll acquire a college 3 credibility for every dollar you absorb at US supermarkets (again up to the aforementioned $6,000 per year cap, afresh 1x point thereafter).

You'll additionally accept a 50% anniversary on all credibility becoming afterwards you use your agenda 30 or added times on purchases in a announcement period, which agency you'd get 4.5 credibility per dollar on those US bazaar purchases. And addition anniversary to the Amex EveryDay Preferred is that you'll acquire 2 credibility per dollar at US gas stations.

Whether the Amex EveryDay or Amex EveryDay Preferred is appropriate for you ultimately comes bottomward to your anniversary anniversary in these two categories. If it's aerial enough, advantageous an anniversary fee could be anniversary it. But if not, stick with the no-annual-fee adaptation of the card.

If you appetite a acclaim agenda that maximizes the banknote aback you acquire on groceries, afresh the Blue Banknote Preferred Agenda from American Express is your best bet — always. If you're added absorbed in biking credibility for approaching trips, the Amex EveryDay and the Amex Gold are additionally abundant for earning rewards throughout the year.

But one affair to accumulate in apperception with these three cards is that abandoned purchases fabricated at US supermarkets qualify. This agency arcade at specialty stores, superstores and barn clubs won't acquire anniversary points. So if best of your purchases are fabricated at superstores or barn clubs, you ability appetite to focus on their store-specific acclaim cards such as the Costco Anywhere Visa for Costco, the Amazon Prime Rewards Visa Signature for Whole Foods and Amazon Fresh or the Ambition REDCard at Target.

And aback it comes to new agenda holders, the acclaim cards that gives you the complete best bulk on advantage are the Chase Freedom Flex and Chase Freedom Unlimited, with their anniversary rewards at grocery food for the aboriginal 12 months you accept either card. With such a aerial return, these cards are adamantine to exhausted at the bazaar appropriate now, abnormally aback aback you additionally accept one of the exceptional Chase acclaim cards, you can alteration the banknote aback the Freedom cards acquire into Ultimate Rewards credibility and get alike added bulk for your rewards.

Looking for the best all-embracing acclaim card? Acquisition out which cards CNN Underscored chose as its best acclaim cards of 2021.

Get all the latest claimed accounts deals, anniversary and admonition at CNN Underscored Money.

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Editorial Disclaimer: Opinions bidding actuality are the author's alone, not those of any bank, acclaim agenda issuer, airlines or auberge chain, and accept not been reviewed, accustomed or contrarily accustomed by any of these entities.

Note: While the offers mentioned aloft are authentic at the time of publication, they're accountable to change at any time and may accept changed, or may no best be available.

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