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CardCurator — Rewards Intelligence
Card Comparison

Citi Simplicity vs Costco Anywhere Visa

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Simplicity card art
Citi ThankYou Points
Citi Simplicity
Citi
More Info
Costco Anywhere Visa card art
Costco
Costco Anywhere Visa
Citi
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
None
None
Top Earn Rates
1x base rate
  • Gas at Costco 5x
  • Eligible Gas and EV Charging 4x
  • Restaurants 3x
Reward Type
cashback
cashback
Key Credits
None
  • Costco Membership $65
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
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Common Questions: Citi Simplicity vs Costco Anywhere Visa

Is the Citi Simplicity or Costco Anywhere Visa better for dining?

Citi Simplicity has no dining bonus; Costco Anywhere Visa earns 3x on dining.

Which has the higher signup bonus in 2026?

Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.

Which card is better for international travel?

Costco Anywhere Visa charges no foreign transaction fees — the better pick for international use. Citi Simplicity charges 3% on foreign purchases.

Can I hold both the Citi Simplicity and the Costco Anywhere Visa?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.