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 Purchases	N/A	0% introductory APR for 15 months
Introductory APR for Balance Transfers	N/A	0% introductory APR for 15 months
Purchase APR	16.74%* (Variable) based on your creditworthiness and other factors	16.49% to 25.24% Variable based on your creditworthiness and other factors
Balance Transfers APR	16.74%* (Variable) based on your creditworthiness and other factors	16.49% to 25.24% Variable based on your creditworthiness and other factors
Foreign Transaction Fee	No foreign transaction fee	3% of each transaction in U.S. dollars
Annual Fee	No annual fee for this credit card with your paid Costco Membership	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Cash Back		Earn a $150 bonus after spending $500 on purchases in your first 3 months from account opening.
Cash 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.	Unlimited 1% cash back on all other purchases.
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 2019: January - March 2019: Gas Stations, Drugstores, and Tolls April - June 2019: Grocery Stores and Home Improvement Stores July - September 2019: Gas Stations and Select Streaming Services October - December 2019: Department Stores, PayPal and Chase Pay Bonus Categories for 2020: January - March 2020: Gas Stations, Select Streaming Services, and Internet, Cable & Phone Services
Travel Rewards	Earn 3% cash back on eligible travel purchases.
Gas Rewards	Earn 4% cash back on eligible gas purchases for the first $7,000 per year, and then 1% thereafter.
Dining Rewards	Earn 3% cash back on restaurant
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 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 review	Excellent cash back credit card for cardholders who pay in full... Read full review
	Read Citi Costco Review	Read 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 November 6, 2019 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 November 25, 2019 from published websites and is believed to be accurate, but not guaranteed.

Articles on Costco Anywhere Visa® Card by Citi

Citi Costco Review

The Citi Costco card offers high cash back for gas and Costco purchases, but there are limitations to know before you apply. Read on for the pros and cons.

Articles on Chase Freedom

Chase Freedom Review

Chase Freedom is one of the best credit cards for cash back, if used the right way. If not, there are drawbacks. Read on for the pros and cons to determine if this card is right for you.

Chase Freedom Credit Score

Chase Freedom usually requires a good credit score (680+). But this is not the only deciding factor. Find out how to improve your odds.

Chase Freedom Rewards

With 5% cash back on bonus categories, the Chase Freedom is a high-earning cash back card. Get details on the rewards calendar and how it works.

Which Do You Like and Why?

What Credit Cards Does Costco Accept?

Does Costco take Visa, Mastercard or Amex? Read on to find out the payment methods Costco accepts (and the best cards).

Compare Citi Costco to:

Chase Sapphire Preferred® Card
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
N/A	N/A	17.49% - 24.49% Variable	$95

Chase Freedom Unlimited®
Intro APR for Purchases	Intro APR for Balance Transfer	Regular APR	Annual Fee
0% for 15 months	0% for 15 months	16.49% - 25.24% Variable	$0

Compare Chase Freedom to:

Capital One® Quicksilver® Cash Rewards Credit Card



Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
0% intro on purchases for 15 months	0% intro on balance transfers for 15 months	15.49% - 25.49% (Variable)
Annual Fee
$0

Capital One® Venture® Rewards Credit Card



Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
N/A	N/A	17.24% - 24.49% (Variable)
Annual Fee
$0 intro for first year; $95 after that

Blue Cash Everyday® Card from American Express



Terms Apply \| Read Review \| See Rates & Fees
Intro APR (Purchases)	Intro APR (Balance Transfer)	Regular APR
0% on Purchases for 15 months	0% on Balance Transfers for 15 months	14.49% - 25.49% 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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Citi Costco vs Chase Freedom

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