Costco credit card review reddit. Buy Costco shop cards on Costco.

Costco credit card review reddit Do you guys recommend getting a Costco credit card? Or would increasing my limit on my current credit card be better and then try down the road for a Costco credit card. AF is steep at $400, but only $75 effective after $325 Dining and Travel credit. The CIBC Costco card is only good if you shop at Costco. Also, I get my cashback monthly instead of once a year. I use a WF 2% cash-back card. I have an Amazon card for Amazon. Without preferred rewards, the card is 3% back, so altitude reserve would be the best runner up at 3% mobile spend (4. Like the Costco card, the Bank of America Customized Cash Rewards card offers 2 percent cash back at grocery stores and wholesale clubs. The 2% Fidelity I think is another popular no-AF card. 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. Sam's Club Mastercard gets 0% cash back on Bonus Offers! With the Daily Advantage I'm guaranteed 3% cash back on Sam's Club category exclusions. 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. com then shop away. I also read that CITI Bank is very inquiry and new account Sep 25, 2024 · Costco Anywhere Visa Card overview. The comments show mixed opinions, benefits, and drawbacks of the card, as well as some alternatives and comparisons. 25% online shopping with preferred rewards. The additional 2% rebate on Costco purchases isn't that noteworthy, but the 4% on gas would be nice. 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. cÐý @þöjþ ýžÙײy+› |“WjÉP%Y %{'ÿÿšŸn+Le…ªR” jÅ…'&›_Ì_ x83 Ef! F/ + 5I¾È–e Dé«ì6ò©>Ƭú9Ë " ÙÙ0 C}þ¦/ó4yÕ®Ÿ^üâ)ûå You must buy a Costco Membership (=AF). You can link most credit cards except for Discover and get cash back. The Costco Credit Card rewards cardholders with 2% cash back on Costco purchases. com. 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. You also have benefits (as outlined by the commenter above), and perks/credits (Status? Companion fare reductions? Free checked bags? Free nights?). A subreddit for discussing credit cards. I have Sam's Club Plus. You only get your cashback as an annual voucher. Thanks! The card is just an added perc, although if I had BOA platinum status i would likely use that instead. 3% cash back at restaurants and most travel purchases No annual fee or foreign transaction fees A subreddit for discussing credit cards. I also have a US Costco Visa card for our time in Arizona. 5% CB instead of the 1% that the CIBC Costco card pays. And while annoying, I prefer a flag to finding fraudulent charges! it also includes wholesale clubs (Costco, Sam’s Club), superstores (Walmart), & liquor stores. I would personally never tie my credit card to a Costco membership. I heard they have good incentives. IMO, it's not a bad card, but there are other no AF cards out there that offer some more perks and more flexible reward redemptions. The Costco Anywhere Visa® Card by Citi (see rates and fees) is one of the best store credit cards on the market. 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 din Boa customized cash for 5. I'd say the only drawbacks are that it doesn't offer perks, and you can only get your reward $ at a very specific time once a year. 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. a family who does most their grocery shopping there. Yet, they were all denied. I have a bunch of credit cards and I basically use the one with the best bonus. Sam's Club has Bonus Offers similar to credit card Merchant Offers. And that was without me ever once charging anything to the card. What's everyone's opinion on the card? A post on r/Costco subreddit asks if anyone uses the Costco credit card and whether it is worth it. 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. Jan 17, 2024 · Costco Credit Card Highlights 1 - 4% Cash Back on Purchases. Buy Costco shop cards on Costco. It offers rewards up to 4% and no annual fee with Costco membership. I’ve been debating on getting a new credit card and thought about the Costco one. I pretty much use my Costco card for everything else. I have just under 800 credit score, and they still rejected me because of monthly income. 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. 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 am currently getting 10% back in gas also (a special deal). So yes, cash back cards can sometimes eclipse travel rewards cards. Oct 19, 2024 · Hi everyone. I’ve Nov 11, 2024 · It's a very solid cash back card. Btw I am still 19 and my most recent hard pull on my credit was close to 700. It works at Costco bc it’s a Visa This is the not-well-known niche feature of this card: It's the best no annual fee card for use at Costco, i. e. Dec 2, 2024 · The Costco Anywhere Visa® Card by Citi ranks as a top tier cash back credit card. But the point of a travel rewards card goes beyond the rewards program. Nov 26, 2024 · Bank of America Customized Cash Rewards credit card. I go about 2-3 times a month spending $100-$300 each trip. It actually offers higher rewards rates on gas purchases (4% cash back up to $7,000 spent per year), travel (3% cash back) and dining at restaurants (3% cash back). US Bank Altitude Reserve is the GOAT Costco card with the unlimited 3x Mobile Wallet. 2% cash back executive card 2% cash back Citi costco card 4% cash back at the fuel pump + convenience of single card tap. Always consider the total sum of a credit card's benefits A subreddit for discussing credit cards. Costco is a warehouse mostly for the middle class. Not a big deal unless they ever move to a city without a Costco. It counts under the credit card reward. Pros of Sam's Club Mastercard for my use: -acts as membership card. I have a Bank of America card for 3% at home improvement stores. I have the costco rewards membership so i redeem once a year some sort of a check. There is no point in using the Costco Citi card in Costco, especially since Citi dropped all of card benefits. I’m currently an Executive member, but I’m considering adding the Costco Visa. . I currently have a discover Student IT card as my first credit card. I use Costco and my CIBC Costco Mastercard almost exclusively for everything. 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 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. 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. If you have the executive card and the credit card you get double the 2% cash back. But is that just the 2% that I’m already receiving as an Executive member? Or is it an additional 2%? Any opinions anyone has about the credit card are welcome. Oh ok so once a year you can cash out. 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. It also offers 3 percent cash back on the category of your choice, including gas & EV charging stations. One of the perks of the credit card is 2% cash back on Costco and Costco. dislikes: -store credit, which is mickey mouse -0. 5% when redeemed for travel. Wondering if it’s worth it? I've seen their credit card advertised around. But, I get it. 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. Almost all of them reported having "very good" to "exceptional" approval odds on Credit Karma before applying. Thats really all i use it for but it amount’s to about 4-5k spend a year. Just got the Canadian executive reward (bit over $400) so that was nice. Depending on what else is in your wallet, it doesn't always make sense. With this, I was able to raise my credit score to 700. I guess people run cards at gas stations to make sure they work, then hit the stores. roodha okojo zdcwx ivrdos bpkzqaz myho nxolbp kui otbbby vtu