Costco Anywhere Visa Card by Citi vs Blue Cash Preferred

Updated September 24, 2026 · from RightCard's verified card and merchant data

Costco Anywhere Visa Card by Citi and American Express Blue Cash Preferred split the categories 3–3, with 3 tied. Costco Anywhere Visa Card by Citi: no annual fee. Blue Cash Preferred: $95 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

Category	Costco Anywhere Visa Card by Citi	Blue Cash Preferred	Wins
Restaurants	3%	1%	Costco Anywhere Visa Card by Citi
Supermarkets	1%	6%	Blue Cash Preferred
Gas stations	4%	3%	Costco Anywhere Visa Card by Citi
Travel	3%	1%	Costco Anywhere Visa Card by Citi
Online shopping	1%	1%	tie
Drugstores	1%	1%	tie
Transit & rideshare	1%	3%	Blue Cash Preferred
Streaming	1%	6%	Blue Cash Preferred
Everything else	1%	1%	tie

Fee and credits

Card	Annual fee	Statement credits	Credits, face value
Costco Anywhere Visa Card by Citi	no annual fee	none verified	—
Blue Cash Preferred	$95 fee	Disney Streaming Credit ($10 monthly)	$120 / yr

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Built-in store rates

Card	Store	Rate
Costco Anywhere Visa Card by Citi	Costco Wholesale	2%
Costco Anywhere Visa Card by Citi	Costco.com	2%
Costco Anywhere Visa Card by Citi	Costco	2%

Carrying both

Together they cover 6 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

Costco Anywhere Visa Card by Citi in full → · American Express Blue Cash Preferred in full →

How RightCard handles this: add both cards and the app picks between them at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

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FAQ

Costco Anywhere Visa Card by Citi or Blue Cash Preferred: which earns more?

Costco Anywhere Visa Card by Citi and American Express Blue Cash Preferred split the categories 3–3, with 3 tied. Costco Anywhere Visa Card by Citi: no annual fee. Blue Cash Preferred: $95 fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, Costco Anywhere Visa Card by Citi or Blue Cash Preferred?

Costco Anywhere Visa Card by Citi: no annual fee. Blue Cash Preferred: $95 fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 6 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: All comparisons · Rate my wallet · Every verified card