Costco Anywhere Visa® Card by Citi
vs. Discover it® Chrome

Both the Costco Anywhere and Discover it Chrome offer appealing cash back rewards and no annual fees, which is why you're likely considering them. The Costco Anywhere Visa edges out slightly due to its higher cash back rates on gas, travel and dining. The Costco card is a co-branded option that maximizes rewards for Costco members

However, if you're not a frequent Costco shopper, the Discover it Chrome's introductory 0% APR offer on purchases and balance transfers could be more beneficial. The Discover it Chrome is also more accessible with its lower credit score requirement; its introductory APR offer is a strong feature for those looking to make large purchases or transfer balances.

You might prefer the Costco Anywhere if you're a frequent Costco shopper looking to maximize your rewards. With high cash back on gas, travel and dining, and additional rewards on Costco purchases, this card is tailored for those who already spend regularly at Costco and can take advantage of the exclusive benefits that come with membership.

You might prefer the Discover it Chrome if you're seeking a card with an attractive introductory APR offer and rewards on gas and dining. The Discover it Chrome card offers 0% APR on purchases and balance transfers for the first six and 18 months, respectively, making it a good choice for those planning a large purchase or wanting to transfer and pay down existing debt.

Evaluating APRs, fees, credit requirements, rewards and other features side by side clarifies which card aligns with your spending and financial needs. For example, if frequent Costco shopping is part of your routine, the Costco Anywhere card's benefits at Costco may sway your choice. If you prefer straightforward cash back on gas and dining without a membership requirement, Discover it Chrome might be more appealing.

The Costco Anywhere card leads with rewards, particularly for frequent Costco shoppers and drivers. It offers 4% cash back on fuel and EV charging (capped at $7,000 annually, then 1%). Dining and travel also get a boost with 3% cash back. Costco purchases earn a solid 2%, doubling what you'd get with the Discover it Chrome on non-bonus spending.

Discover it Chrome offers a respectable 2% on gas and dining, it's limited to $1,000 in combined purchases each quarter, which may not suffice for heavy spenders in these categories. However, its lack of an annual fee and the Discover cash back match for the first year can be attractive for those who prefer simplicity and upfront bonuses. Next, you'll find a table detailing the bonus categories for each card to help you see where you can earn more cash back.

The Costco Anywhere card offers an annual reward certificate, redeemable at Costco warehouses for merchandise or cash back, with an expiration date of December 31 in the year it's issued. Discover it Chrome provides more flexibility, allowing cardholders to redeem their cash back at any time and in various forms, including as a statement credit, direct deposit or even for Amazon purchases, with no expiration date.

MoneyGeek evaluates credit cards using a tailored scoring system. The Costco Anywhere card scores highest for cash back rewards, while the Discover it Chrome card is most notable for balance transfer opportunities.

The largest factors influencing these scores include the effective reward rate and annual fees for cash back, and the introductory purchase APR and regular APR for balance transfers. For a deeper understanding of our scoring process, you can explore our ranking methodology.