Credit Cards » Compare Credit Cards » My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?
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My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?

Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

See full bio
Interest Rates Last Update: July 27, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: February 6, 2024
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

See full bio
Interest Rates Last Update: July 27, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:February 6, 2024

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The My Best Buy Visa and Costco Anywhere Visa Card are two popular credit cards that offer rewards on everyday purchases.

From rewards programs and interest rates to annual fees and exclusive benefits, we will delve into the specifics of each card, highlighting their strengths and potential drawbacks.

Best Buy or Costco Card: General Comparison

The My Best Buy Visa card appeals to prudent consumers, providing substantial cashback incentives for Best Buy purchases, an enticing welcome bonus, and competitive rates for both gas and dining expenses.

Meanwhile, the Costco Anywhere Visa, tailored for pragmatic spenders, distinguishes itself through generous cashback rewards on essential outlays like gas, dining, and Costco shopping. This alignment with the spending habits of its members positions it as the preferred choice for those in search of practical and meaningful rewards.

Citi-costco-anywhere-visa-credit-card review

best buy credit card
Costco Anywhere Visa Card
My Best Buy Visa Card
Annual Fee
$0 ($60 Costco membership fee required)
$0
Rewards
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.com, 1% cash back on all other purchases
5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
Welcome bonus
None
10% back in rewards on your first day of purchase
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
N/A
Purchase APR
15.99% – 31.49% variable
15.99% – 26.99% Variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Best Buy or Costco Card: Which Card Gives More?

In the analysis, we can see there is no significant between the cards. Ultimately, the more you buy on Best Buy – the more lucrative the card is. However, if you spend on travel – the Costco card drives you more cashback.

However, unlike Best Buy – the Costco cash back will be issued in the form of an annual credit card reward certificate, accessible once your February billing statement concludes. This certificate is redeemable for either cash or merchandise at Costco Warehouses across the United States.

Citi-costco-anywhere-visa-credit-card review

best buy credit card
Spend Per Category
Costco Anywhere Visa Card
My Best Buy Visa Card
$15,000 – U.S Supermarkets
$300
$300
$5,000 – Restaurants
$150
$150
$4,000 – Best Buy Products
$40
$200
$4,000 – Travel
$120
$40
$4,000 – Gas
$160
$120
Estimated Annual Cashback
$760
$810

* Assuming all supermarkets/gas purchases made via Costco

Citi Costco credit card rewards certificate details
Citi Costco credit card rewards certificate details (Screenshot from Citi app)

Additional Benefits: Comparison

When it comes to extra benefits, each card has its own unique benefits. The Costco card offers a variety of travel protections, including roadside and travel assistance protection. The Best Buy card shined in free shipping and financing options for large products.

Costco Anywhere Visa Card

Citi-costco-anywhere-visa-credit-card review

  • Damage & Theft Purchase Protection: Costco's Citi card offers coverage for damaged or stolen purchases, providing potential repairs or refunds within 120 days of acquisition, offering peace of mind for cardholders.
  • Travel & Emergency Assistance: Costco cardholders benefit from 24/7 services, ensuring assistance with emergency travel arrangements, travel issues, medical and legal referrals, and more, enhancing their travel experience.
  • Roadside Assistance Dispatch Service: With coverage across the U.S. and territories, Costco's Citi card provides a Roadside Assistance Dispatch Service, ensuring prompt help for cardholders facing car troubles during their journeys.
  • Citi Entertainment℠: Elevating experiences, Citi Entertainment provides exclusive access to presale tickets and special events, enhancing the entertainment options available to Costco cardholders.
  • $0 Liability on Unauthorized Charges: Costco's consumer card ensures complete protection against unauthorized charges, relieving cardholders of responsibility for any unauthorized online or other charges.
My Best Buy Visa Card

best buy credit card

  • Financing Options: Instead of receiving 5% cash back rewards on Best Buy purchases, cardholders have the option to choose financing alternatives. The My Best Buy® Credit Cards offer deferred interest financing, enabling users to make purchases without incurring immediate interest charges for a specific period.

  • Free Shipping: Enjoy free shipping on qualifying purchases at Best Buy.

Citi Costco rewards model
Citi Costco rewards model (Screenshot from Citi app)

When You Might Prefer The My Best Buy Visa Card?

Opting for the Best Buy Card over the Costco Card might be preferable in certain scenarios:

  • You're Frequent Best Buy Shopper: If you find yourself regularly exploring Best Buy's exclusive deals and discounts, the My Best Buy Visa Card proves to be a more fitting choice. Tailored for loyal customers, it offers additional savings and rewards specifically designed for Best Buy purchases, enhancing the practicality of this credit card.

  • You Want Instant Cash Rewards: Unlike the Costco Credit Card's annual certificate, the My Best Buy Visa ensures immediate visibility of your Best Buy cashback on your account, eliminating the wait for a yearly payout and providing a more convenient rewards experience.

  • You Want Payment Flexibility: Opting for the My Best Buy Visa Card grants you the advantage of flexible payment plans. This is particularly beneficial if you prefer spreading the cost of your purchases over time, offering financial convenience, especially for larger expenditures, and enabling more effective budget management.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Costco Credit Card?

Opting for the Costco Credit Card over the Best Buy Card might be preferable in certain scenarios:

  • You Spend On Grocery and Gas: If a significant portion of your expenses is dedicated to grocery shopping and fuel, the Costco Anywhere Visa takes the lead. With substantial cashback rewards on gas and dining, it becomes the preferred choice for those who prioritize savings in these essential categories.

  • You Love Costco: For avid Costco shoppers who regularly stock up on bulk purchases, the Costco Anywhere Visa Card seamlessly integrates with the Costco membership, offering exclusive benefits and elevated cashback rewards on Costco expenditures.

  • You Like Travel and Dining: If your lifestyle involves frequent travel and dining out, the Costco Anywhere Visa's competitive cashback rates in these categories make it a more attractive option, providing valuable rewards for your on-the-go and culinary experiences

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

amazon prime visa

Apple card

Sam's Club® Mastercard®
Amazon Prime Rewards Visa Signature Card
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($139 Amazon Prime subscription required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
$100 $100 Amazon gift card upon approval
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
19.49% – 27.49% Variable
15.99% – 26.99% Variable
20.40% or 28.40% Variable
Read Review
Learn More
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Learn More
Read Review
Learn More

Compare Costco Anywhere Visa Card by Citi

Both can be a perfect choice if you're looking for a store card. What are the main things you should know before applying, and how much can you save? Here's our analysis.

Costco Anywhere Visa vs Capital One Walmart Rewards Card: Which Card Is Best?

The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?

Costco Anywhere Visa Card by Citi vs Apple Card: Which Card Is Best?

The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.

Amazon Prime Visa vs Costco Anywhere Visa Card: Comparison

In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.

Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

BJ's One+ Mastercard our winner when it comes to cashback, but Costco card offers flexibility and many categories with higher cashback ratio.

BJ's One+ Mastercard vs Costco Anywhere Visa Card: How They Compare?

If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.

Target Red Card vs. Costco Anywhere Visa Card: How They Compare?

Compare My Best Buy Visa Card

The Apple Card offers high cashback on Apple products, while the Best Buy card wins when it comes to gas and BestBuy purchases. Let's compare.

My Best Buy Visa Card vs Apple Card: How They Compare?

My Best Buy Visa Card is cheaper than the Amazon card, which requires a membership. But, it doesn't mean Amazon wins – here's why.

My Best Buy Visa Card vs Amazon Prime Visa Card: Comparison

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card
Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.

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