Costco Anywhere Visa Card by Citi — Citi.com
CASH BACK CREDIT CARD REWARDS AND PROGRAM DETAILS
Go big with cash back rewards and make every day more rewarding. Earn cash back rewards on purchases anywhere Visa is accepted.
- four percent
Cash back on eligible gas and EV charging purchases worldwide, including gas and EV charging at Costco, for the first $7,000 per year and then 1% thereafter
- three percent
Cash back on restaurant and eligible travel purchases worldwide
- two percent
Cash back on all other purchases from Costco and Costco.com
- one percent
Cash back on all other purchases
Redeeming Costco Cash Rewards
Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U. S. Costco Warehouses, including Puerto Rico.
Use the Costco Anywhere Visa card as your Costco membership ID
Need a Membership? Join Costco
COSTCO ANYWHERE VISA
® CARD BY CITI BENEFITS
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ConvenienceProtectionOther Benefits
Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.
Shop with more confidence — Damage & Theft Purchase Protection may cover you for repairs or a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).
Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences and more.
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® CARD BY CITI FAQs
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® CARD BY CITI RATINGS AND REVIEWS:
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*COSTCO ANYWHERE VISA
® CARD BY CITI PRICING DETAILS
The standard variable APR for purchases is % and also applies to balance transfers and Citi Flex Plan.
The standard variable APR for cash advances is %. Variable penalty APR is up to 29.99% and applies if you pay late or your payment is returned. Minimum interest charge $. Fee for foreign purchases — None. Cash advance fee either $ or % of the amount of each cash advance whichever is greater. Balance transfer fee either $ or % of the amount of each transfer whichever is greater. No annual fee with paid Costco membership. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
1Important Pricing & Information +2Additional Information
How to Apply for a Credit Card and Get Approved
For first-timers and existing users, the credit card application process can become confusing. What are some online and in person ways to apply for a credit card? What documents do I need? And is there an application fee?
These questions are important when you’re looking for a credit card.
Learning more about the process can help you start strong when using a card and keep you from defaulting on your payments in the future. Let’s take a look at how you begin the credit card application process.
Steps to apply for a credit card
To apply for a credit card, you should first familiarize yourself with the application process. The credit card application process breaks down into a few basic steps:
1. Check your credit score
Credit scores calculate the likelihood that you’ll pay back loans based on a number that factors in your current debts, your past debts, and payment history for both past and present loans.
Different credit cards will have different minimum credit score requirements to receive approval. Some credit cards, such as secured credit cards, may not even require a minimal credit score at all.
It’s a good idea to know your credit score before you apply for any new credit cards. You can view your FICO® score, updated monthly, for free with select Citi cards.
2. Decide what credit card should you apply for
Once you know your credit score, you can find the right card for you based on their credit score requirements. You can sort credit cards into two main types:
- Secured Cards: These cards require a low credit score. Sometimes they may not even need one. However, they will require a security deposit, and they may also offer lower credit limits, meaning you can’t spend as much with an unsecured card.
- Unsecured Rewards Cards: These credit cards require a moderate to high credit score, and some may charge annual membership fees. Depending on the rewards card, you could receive points, miles, or cash back. You can view the rewards cards available from Citi here.
3. See if you are pre-approved
Credit card pre-approval is a type of e-mail and snail mail promotion by card issuers to help find potential cardholders. While pre-approval marketing tries to find customers who easily qualify for the card’s minimum requirements, a pre-approval doesn’t necessarily mean you’ll be approved for a card when you file an application.
Keep this in mind when looking at card pre-approvals.
4. Learn the Requirements to Apply for a Credit Card
After you’ve decided what card you’ll use, you’ll need to gather all the necessary documents for your credit card. These will be standard documents, such as:
- Financial documentation: While some banks may not ask for proof of income, it is a good idea to have these documents on hand, even if you only need to report a gross income on your application.
- I.D. verification: You will need a social security number (SSN) or individual taxpayer identification number (ITIN) both to verify your identity and protect you from fraud.
- Proof of age: Often you will need a second form of identification both for security and for age requirements. The minimal age for cardholders is eighteen, so make sure your I.D. is up to date if you’re a younger applicant.
5. Understand the terms on your credit card application
Every credit card application will state the standard terms and conditions for using the card.
Make sure to understand these terms—especially the interest rates, repayment terms, and default conditions—before you go ahead with the application. You don’t want to use your card for six months to find a surprise change to your interest rate.
Where can you apply for a credit card?
Now that you’ve found the right credit card and gathered all of your important documentation, you’ll need to find the right way to file your application.
Ways to apply for a credit card
There is no right destination to file a credit card application, but let’s look at some of the basic options:
Online
Applying for a credit card online may be the quickest way to file an application. You can apply for a Citi credit card online today.
Telephone
You can apply for a Citi credit card over the phone by calling our consumer line 1-800-347-4934. This option gives you the speed of an online application with the added benefit of easier access to customer service representatives.
In person
You can easily go to your nearest Citi branch and apply for a credit card in person.
Compare your credit card offers
Once you’ve received approval through a credit card application, you may wonder if there are credit card deals that may better suit your financial needs.
Searching online for good credit card deals or looking at your pre-approval offers is the best way to compare credit cards. Doing your research on what offer is best will also save you time and financial security in the long run.
Is It Safe to Apply for A Credit Card Online?
Online credit card applications may seem to carry the potential for fraud and security breaches, but with added developments in data privacy, information security remains consistent regardless of how a cardholder applies for approval.
When applying for a credit card online, make sure to find the issuer’s correct website. Additionally, log onto the website from a private wi-fi network and use HTTPS encryption if possible.
You may also want to see if the issuer uses two-factor authentication to make your data even more secure.
With these precautions, applying for a card online is comparably safe to apply in person or through the telephone. Not only that, but an online application may go through the approval process faster.
Does Applying for Credit Cards Hurt Credit?
While a credit card company does perform a “hard inquiry” on your credit file, a single inquiry will not do much damage to your score. However, it may be a different case if your application is denied.
What if your application is denied?
Denial for a credit card application does not need to be a major cause for concern. But it’s important to understand why you were denied before you reapply, as each hard inquiry by a card issuer can hurt your credit even more.
Reassess your credit score and loan history. Should you be applying for a secured card instead of an unsecured card? Should you find an alternative way to build up your credit, such as paying off your current debts or card balances?
Each situation will turn out differently, but keep in mind that if you’re denied for multiple cards, it may be time to rethink your financial strategy.
Apply for a Credit Card with Citi
As a bank with history and expertise, Citi provides a number of services that can suit your financial needs. Compare the many credit card offerings from Citi and apply for a credit card today.
Disclosure: This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
how to apply, customer reviews and terms of use
Citibank credit cards online: how to apply, customer reviews and terms of use
City
Moscow
Saint Petersburg
Volgograd
Voronezh
Ekaterinburg
Kazan
Krasnoyarsk
Nizhny Novgorod
Novosibirsk
Omsk
Permian
Rostov-on-Don
Samara
Ufa
Chelyabinsk
Choose a credit card for yourself at City Bank.
Order a card online or apply with a passport to a bank branch. The page contains all the bank’s credit card offers in 2023, as well as detailed information on maximum limits, interest rates, customer requirements, required documents and other conditions. Use the instructions below to apply for a credit card online at www.citibank.ru. Answers to frequently asked questions about credit cards.
K5M rating
6.8/10
| Annual rate | from 20.9 to 39.9% |
| Maximum limit | 3 000 000 ₽ |
| Grace period | 50 days |
| Age | from 20 years old |
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Thank you, your complaint has been sent for consideration
K5M® is a rating by which the VZO service evaluates financial products: microloans, loans or credit cards.
For an objective assessment, we have created a complex formula. It takes into account over 90 parameters at the time of the last update in February 2023. The rating process uses not only the main product parameters, such as the amount or interest rate of a loan, but also customer ratings.
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Please be informed that on August 25, 2022, Citi announced its decision to wind down its Russian retail and Russian SME business. There will be no immediate changes to account services, payments, consumer loans, credit cards and deposits, corporate or payroll cards, or any other products or services. All banking operations, including the call center, Citibank Online or the mobile banking app, will continue to operate as usual.
How to apply
Go to the Citibank website. Select a card from the list on the left. Click the “Submit Application” button:
Fill out the online application and click the “Continue” button:
In addition, the card can be issued at the Citibank office or counter
Requirements for the borrower
- Russian citizenship
- From 22 years old
- Permanent registration in one of the cities where Citibank operates
- Confirmed source of income over 30,000 rubles
Required documents
- Passport of the Russian Federation
- Second document:
- Help 2-NDFL
- Copy of driver’s license and vehicle registration certificate
- Copy of international passport (before the trip – attach a copy of the ticket, after the trip – migration stamp within the last 6 months)
- Extract from the Pension Fund confirming monthly income after taxes of more than 30,000 rubles per month
About the bank
Citibank is the Russian subsidiary of the American financial group Citigroup, one of the largest in the world.
It was registered in 1993 as a bank with 100% foreign participation. Then Citibank became one of the first international banks in the Russian market. Citigroup itself has existed for more than two hundred years and actively serves clients in 160 countries around the world. Russian Citibank is regularly included in the ratings of the most reliable banks in Russia according to Forbes.
Citibank is wholly owned by an American financial group that manages the bank’s shares through Citigroup Netherlands B.V. The bank’s branch network is small – it includes 23 offices and 7 branches. This is due to the fact that the bank is actively moving to a customer service model without offices. Citibank operates under the license of the Central Bank No. 2557 dated July 28, 2015.
In total, Citibank serves more than 600,00 private and 3,000 corporate clients. The first available are deposits, consumer loans, credit and debit cards, money transfers, insurance and wealth management services.
For the second, the bank offers cash settlement services, loans of various types, guarantees, letters of credit, securities transactions and other services.
Frequently Asked Questions
Can the card be used abroad?
MasterCard cards can be used to pay for purchases in Russia and abroad. The MasterCard logo marks terminals and ATMs that accept bank cards. Citibank cards can be used at 800,000 ATMs, 9,000 of which are owned by Citigroup.
How to get an electronic statement?
You can subscribe to the service in the Internet bank or by phone. An electronic statement is available for viewing in the Internet bank interface. Notification of the readiness of the statement is sent by e-mail, the service is provided free of charge.
How to increase the credit limit?
The bank changes the credit limit based on the history of using the card. To increase the limit on your own initiative, contact the bank by phone or at the office.
Which transactions are covered by the grace period?
The interest-free period is valid when paying by card at retail outlets, online stores and paying utility bills. Cash withdrawals, money transfers and quasi-cash transactions are not recognized as preferential.
Is there an interest-free period for purchases with an additional card?
Additional card expenses are included in the total debt. If the loan is repaid during the grace period, no interest is charged.
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85 ratings, average: 4.7 out of 5
Citibank credit cards – find out rates, terms of receipt / use and apply online
Below is a complete list of Citibank credit card offers valid in 2023, which can be ordered online, with detailed information about the maximum current credit limits, interest rates, service charges, grace period, customer requirements, required documents and other conditions.
Compare terms and find the best value CitiBank credit card according to your criteria. You can order a suitable loan online on the official website of the bank at any time of the day or night or go to one of the branches on business days to apply for a receipt.
Bank information Credit cards
8
Debit cards
5
Consumer loans
2
More
Just a credit card
Citibank
Mastercard Standard
Credit limit (in rubles):
from 15 000
up to 1 500 000
Service:
Free
Rate (per year):
from 19
up to 39.9%
Grace period:
up to 210 days
Free annual service with a grace period.
No late payment penalties, cash withdrawal fees. Reduced rate on transactions in installments. Discounts up to 30% for household appliances, cosmetics and travel from bank partners are available for cardholders
About the card
Checkout
License of the Central Bank of the Russian Federation 2557
Read more
compare
Free shipping
0150
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Not foreseen
City Select
Citibank
Mastercard World
Credit limit (in rubles):
up to 1 500 000
Service:
Free
Rate (per year):
from 19
up to 39.
9%
Grace period:
up to 50 days
A unique credit card with special bonuses – selects, combining many advantages. The ability to exchange rewards for promotional codes and points of loyalty programs of partner companies, pay for goods and services with selects. Available to buy in bulk
About the card
Checkout
License of the Central Bank of the Russian Federation 2557
More
compare
Free shipping
Requirements:
-
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
RUB:
from 3
up to 15%
Cashback moneyCiti Select bonus program with the accrual of bonus units – selects:
- 15% in selects on a bonus account for paying for goods and services with a total purchase of 10,000 rubles or more;
- 3% in selects to a bonus account for paying for goods and services with a purchase amount of less than 10,000 rubles
For participation in the loyalty program, a commission is charged 199 rubles per month if the total amount of operations for payment for goods, works and services on the statement is less than 10 000 rubles
“>
cash back
Citibank
Mastercard World
Credit limit (in rubles):
up to 450 000
Maintenance:
up to 950 RUB/year
Rate (per year):
from 19
up to 39.
9%
Grace period:
up to 50 days
An offer for shopping lovers with the possibility of making profitable purchases on a cash basis, with a welcome cashback and discounts from partners.
About the card
Checkout
License of the Central Bank of the Russian Federation 2557
Read more
compare
Free shipping
150
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
RUB:
from 1
up to 10%
Cashback money- 10% as part of the “Welcome Reward” program.
Remuneration is accrued monthly for operations on payment for goods, works and services performed using the card during the first 90 days from the card issue date. Maximum 1,000 rubles per month. Promotion valid until 03/31/2022. - 5% as part of the “Increased 5% cashback with partners” program TD Perekrestok, McDonald’s, YandexGO (Drive, Eda, Taxi), MTC, Beeline, Tele2, MegaFon. Maximum 1,500 rubles per month. Promotion valid until 30.10.2021.
- 1% off any purchase.
Additionally, you can receive 20% of the amount of remuneration received under the main bonus program with the amount of spending from 10,000 rubles per month
“>
- 10% as part of the “Welcome Reward” program.
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Remuneration is accrued monthly for operations on payment for goods, works and services performed using the card during the first 90 days from the card issue date. Maximum 1,000 rubles per month. Promotion valid until 03/31/2022.Miles & More World Elite Mastercard
Citibank
Mastercard World Elite
Credit limit (in rubles):
up to 450 000
Service:
15 000 rub/year
Rate (per year):
from 19up to 35.
9%
Grace period:
up to 50 days
Exclusive card with unique privileges for travelers and the opportunity to participate in the reward program. Participation in the discount program of the bank is provided, as well as discounts and special offers from the MasterCard payment system. Available to buy in bulk
About the card
License of the Central Bank of the Russian Federation 2557
More
compare
Free shipping
Requirements:
-
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
Miles:
up to 1 miles for 60 rub.
Cashback in milesAs part of the Miles & More:
- 1 mile for every 60 rubles spent for purchases in rubles;
- 7,500 welcome miles;
- 500 award miles for the first login to the Miles & More.
Accumulated miles can be redeemed for award tickets by Lufthansa Group or one of the program’s airline partners, upgrades, hotel stays, car bookings, purchases goods in partner stores and other services.
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Citibank MasterCard Gold
Citibank
Mastercard Gold
Credit limit (in rubles):
up to 450 000
Service:
2 950 rub/year
Rate (per year):
from 19
until 39.9%
Grace period:
up to 50 days
Card with a renewable credit limit and a grace period of up to 50 days, allowing you to use the bank’s funds without interest.
It is possible to pay for purchases in installments. Discounts and special offers from MasterCard payment system
About the card
License of the Central Bank of the Russian Federation 2557
More
compare
Free shipping
Requirements:
-
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Not foreseen
Miles & More
Citibank
Mastercard World
Credit limit (in rubles):
up to 600 000
Service:
from 950
up to 2 950 RUB/year
Rate (per year):
from 19
up to 39.
9%
Grace period:
up to 50 days
Card for travel with participation in the airline’s loyalty program. Payment for purchases in installments is available at a reduced rate from partners, a grace period of 50 days for all purchases. Various discounts and offers from bank partners are provided, as well as a gift in the form of a welcome bonus
About the card
License of the Central Bank of the Russian Federation 2557
Read more
compare
Free shipping
0150
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
Miles:
up to 1 miles for 60 rub.
Cashback milesMiles for flights with Lufthansa or partner airlines:
- 1 mile for every 60 rubles spent for purchases in rubles;
- 3,000 welcome miles for Miles & More;
- 5,000 welcome miles for Miles & More Premium
“>
Citi PremierMiles
Citibank
Mastercard World
Credit limit (in rubles):
up to 450 000
Service:
2 950 rub/year
Rate (per year):
from 19
up to 39.9%
Grace period:
up to 50 days
With the accrual of miles that can be exchanged for travel services or return part of the spent amount to the account. Card holders can enjoy up to 30% discounts on household appliances, cosmetics and travel from bank partners
About the card
License of the Central Bank of the Russian Federation 2557
Read more
compare
Free shipping
Requirements:
-
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
Miles:
up to 1 miles for 30 rub.
Cashback milesAccount Citi miles for purchases with the card, which can be converted into partner bonuses, as well as return the funds spent on purchases using the Cash Back Pro service:
- 1,000 welcome miles;
- 1 Citi mile for every 30 rubles of purchase
“>
Citi Prestige
Citibank
Mastercard Standard
Credit limit (in rubles):
up to 450 000
Service:
18 000 rub/year
Rate (per year):
from 13
up to 35.9%
Grace period:
up to 50 days
Premium product for those who prefer to travel in comfort. Card with exclusive privileges, favorable interest rate and the opportunity to participate in the bonus program
About the card
License of the Central Bank of the Russian Federation 2557
Read more
compare
Free shipping
0150
Age:
from 20
up to 75 years
Mandatory documents:
- Passport
- 2-personal income tax
Terms:
-
Availability of a source of income:
necessarily
Cashback:
- Exist
Cashback refund:
-
RUB:
from 5
up to 20%
Cashback with moneyAcrued with bonus points
- 5% additional reward for the first 90 days (the promotion is valid until 12/31/2021)
- 15% off purchases in rubles
- 20% off foreign currency purchases
- 20% on bonuses earned per year when spending more than 2,400,000 per year
“>
Clear comparison list
Citibank credit cards
Citibank issues various types of credit cards in Visa and MasterCard payment systems of different categories: Classic, Gold, Platinum.
Depending on the choice of one of them, the client can receive free release and maintenance, discounts in partner stores, cashback bonuses, free concierge services, access to lounge areas and other benefits.
The credit limit is determined by the bank during the consideration of the application. In cases of approval for the issue of a loan, the client can use borrowed funds free of charge, subject to the terms of the agreement.
Recipient Requirements
Residents of Russia over the age of 20 who live and work in Moscow or the Moscow region, St. Petersburg or Leningradsk can apply for a credit card oy region, Ekaterinburg, Samara, Rostov-on-Don, Ufa, Bolgograd, Novosibirsk, Kazan, Nizhne Novgorod, Krasnodar.
Depending on the line of the credit card, the applicant’s income should be from 30 to 200 thousand rubles per month.
Documents for registration
To apply for a credit card, only a passport is required, as well as one of the documents confirming the financial position of a potential client: 90 003
- statement of income for three months;
- online extract from the pension fund of the Russian Federation through the State Services portal;
- driver’s license and TC registration certificate;
- passport with visa and stamps on travel abroad for the last six months.
Citibank customers and credit card holders of other banks do not need to verify income.
How to apply for a credit card in Citibank?
You can order a new card or reissue an existing one in two ways:
- On the mobile app. Suitable only for existing customers whose data is already available in the bank’s system;
- On the bank’s website. Both existing and new customers can fill out an application;
- Personal visit to any office. In this case, issuing or reissuing the card may cost more.
The Bank has the right to inform the applicant about the need to enter additional data in the application by means of an automated telephone call.
How long does it take to process an application?
In case of approval, the bank representative will contact the client within the next business day after filling.
How to pick up a ready-made credit card?
In case of approval of the application, you can get a credit card in the following ways:
- In the branch of the bank , which must be indicated in advance in the application;
- Delivery by Russian Post . Credit cards are delivered by registered mail. You can track the delivery status on the official website of the Russian Post (www.pochta.ru) by tracking number, which you can find out by calling CitiPhone.
- Order courier delivery . After the application is approved, the operator will call the client and set a convenient time, delivery date and address (you can choose only one address from those indicated earlier in the application for a credit card). aptu).
Credit cards are delivered by registered mail. You can track the delivery status on the official website of the Russian Post (www.pochta.ru) by tracking number, which you can find out by calling CitiPhone. Any method of card delivery is free and safe: the card is sent non-activated. Before activation, the credit card will not be able to make transactions, and will not be charged for its maintenance.
Can Citibank refuse to issue a credit card?
Refusal may follow as a result of non-compliance of the applicant with the requirements of Citibank, in the presence of a negative credit history, as well as in the event of a suspicion in his dishonesty.
What discounts can I get by paying with a credit card?
Depending on the selected line and tariff, customers can receive discounts when paying for purchases in partner stores, hotels and other places.