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Citi Costco vs Chase Freedom

Compare Rewards, Interest Rates, Fees, and Benefits

How does Citi Costco compare to Chase Freedom, a cash back credit card? Read our comparison chart below.

Keep in mind, the Citi Costco has a No annual fee for this credit card with your paid Costco Membership, while the Chase Freedom has a $0 annual fee.

 

Costco Anywhere Visa® Card by Citi

Chase Freedom

 

Credit Card Interest Rates & Fees

Introductory APR for PurchasesN/A0% introductory APR for 15 months
Introductory APR for Balance TransfersN/A0% introductory APR for 15 months
Purchase APR16.99%* (Variable) based on your creditworthiness and other factors16.74% to 25.49% Variable based on your creditworthiness and other factors
Balance Transfers APR16.99%* (Variable) based on your creditworthiness and other factors16.74% to 25.49% Variable based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each transaction in U.S. dollars
Annual FeeNo annual fee for this credit card with your paid Costco Membership$0 annual fee
 

Credit Card Rewards & Benefits

Introductory Bonus Cash Back Introductory Bonus Cash Back: Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Cash Back RewardsCash Back Rewards: Earn 4% cash back on eligible gas purchases for the first $7,000 per year, and then 1% thereafter. Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.Cash Back Rewards: Unlimited 1% cash back on all other purchases.
Bonus Cash Back Bonus Cash Back: Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter. Unlimited 1% cash back on all other purchases.
Bonus Categories for 2018:
January - March 2018: Gas stations, internet/cable/phone services and Chase Pay, Apple Pay, Android Pay, Samsung Pay
April - June 2018: PayPal, Chase Pay and Grocery stores
July - September 2018: Gas stations, Lyft, and Walgreens
Travel RewardsTravel Rewards: Earn 3% cash back on eligible travel purchases. 
Gas RewardsGas Rewards: Earn 4% cash back on eligible gas purchases for the first $7,000 per year, and then 1% thereafter. 
Dining RewardsDining Rewards: Earn 3% cash back on restaurant 
 

CreditDonkey® Credit Card Reviews

Pros & ConsPros:
  • Cash Back Rate on Gas
  • Cash Back Rate at Costco
  • No Annual Fee with Paid Costco Membership
Cons:
  • Requires Costco Membership
  • No Intro APR
Pros:
  • Earn a $150 Bonus
  • 5% bonus rotating categories
  • Intro APR
  • No annual fee
Cons:
  • Foreign transaction fee
Bottom Line Read full reviewExcellent cash back credit card for cardholders who pay in full... Read full review
 Read Citi Costco ReviewRead Chase Freedom Review

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Disclaimer: The information for the Costco Anywhere Visa® Card by Citi and Chase Freedom has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

Citi Costco: Pricing information including interest rates, rewards, benefits and fees was obtained on June 19, 2018 from published websites and is believed to be accurate, but not guaranteed.

Chase Freedom: Pricing information including interest rates, benefits and fees was obtained on July 13, 2018 from published websites and is believed to be accurate, but not guaranteed.


Explore Costco Anywhere Visa® Card by Citi In-Depth


Explore Chase Freedom In-Depth


Compare Citi Costco to:

Chase Sapphire Preferred
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
17.74% - 24.74% Variable
$0 Intro for the First Year, then $95

Chase Freedom Unlimited
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 15 months
0% for 15 months
16.74% - 25.49% Variable
$0

Compare Chase Freedom to:

Capital One Quicksilver

Capital One® Quicksilver® Cash Rewards Credit Card

Introductory Bonus Cash BackCash Back RewardsNo Expiration on RewardsNo Limits on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% intro on purchases for 15 months
0% intro on balance transfers for 15 months
14.74% - 24.74% (Variable)
Annual Fee
$0
Capital One Venture

Capital One® Venture® Rewards Credit Card

Introductory Bonus Airline RewardsTravel RewardsAirline RewardsNo Expiration on Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/A
14.74% - 24.74% (Variable)
Annual Fee
$0 intro for first year; $95 after that
Blue Cash Everyday

Blue Cash Everyday® Card from American Express

Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
14.74% - 25.74% Variable
Annual Fee
$0

Disclaimer: The information for the Capital One® Quicksilver® Cash Rewards Credit Card and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.


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About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.