Editor’s note: This is a recurring post with regularly updated card details.
Costco Anywhere Visa® Business Card by Citi is designed for business owners who have significant gas expenses and shop at Costco stores frequently. It offers premium cash back on these expense categories, provided as an annual credit card reward certificate that’s redeemable for cash or merchandise in United States Costco Warehouses, including Puerto Rico. While it doesn’t charge an annual fee, you need to pay for a $60 Costco membership per year to qualify.
If you want to compare one card over another, choose a maximum of three cards on this page and click Add to compare to view their details in a side-by-side comparison.
Costco Anywhere Visa® Business Card by Citi
BEST FOR:
Existing or new Costco members
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
Intro APR
N/A
Regular APR
20.49% variable
Annual Fee
None, but you must be a Costco member to qualify
Credit Needed
Excellent
- 4% cash back on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurant and eligible travel purchases worldwide
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Pros
- Doesn’t charge annual and foreign transaction fees
- Generous cash back rewards
Cons
- No 0% introductory APR period
- Premium rewards are only suited to those who frequently shop at Costco
- Need to secure Costco membership to qualify
- Damage and theft protection: This can cover you for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Rental car damage plan: If you rented a car through Costco travel, a rental car damage plan with Costco preferred rates will be made available to you via Zurich. This offers coverage for rental car damage because of an accidental collision, theft, vandalism, and more.
- Citi® Quick Lock: This helps block new purchases and cash advances instantly while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- FICO® scores: Citi believes it is important for you to be updated on your credit status. Hence, they partnered with FICO and Equifax to give you a better understanding of where your credit status is.
- Citi® Concierge: Citi® Concierge gives you access to several experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
When grading cash back business credit cards like the Costco Anywhere Visa® Business Card by Citi, we give the most weight to ongoing rewards. We also considered the introductory rewards, annual fee, introductory and ongoing APRs, and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 30 | 30 |
Introductory Rewards | 0 | 20 |
Annual Fee | 12 | 15 |
Additional Features | 10 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 60 | 100 |
Who the Costco Anywhere Visa® Business Card by Citi Is Best For
- Business owners who are Costco members: An active Costco membership is required to apply for the Costco Anywhere Visa® Business Card by Citi.
- Business owners with frequent gas and electric vehicle (EV) charging expenses: It offers premium cash back rewards of 4% for the first $7,000 per year in gas and EV charging expenses. This is why it is named one of our leading fuel cards for small businesses.
- Business owners who travel often: If you travel often for business, this card is a good option as it offers 3% cash back on eligible travel purchases worldwide.
See our recommended alternatives below if this card isn’t the best fit for your business. You may also visit our guide to the best small business credit cards for other options.
Costco Anywhere Visa® Business Card by Citi Rewards
- 4% cash back at gas and EV charging stations worldwide, including gas at Costco, for the first $7,000 per year, then 1% thereafter
- 3% cash back at restaurants and for eligible travel purchases worldwide, including Costco travel
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
Costco Anywhere Visa® Business Card by Citi Rewards Calculator
Determine how much cash back you can earn per year when you use your Costco Anywhere Visa® Business Card by Citi for business-related expenses. Input your company’s expected monthly expenses based on the given spending categories, and our calculator will compute your potential annual rewards.
How To Redeem Your Costco Anywhere Visa® Business Card by Citi Rewards
You can redeem your cash back rewards once a year in the form of an annual reward certificate, once your February billing statement closes. This can be redeemed until December 31 each year and can be used for cash or merchandise in a single transaction at any US Costco Warehouse, including Puerto Rico.
Costco Anywhere Visa® Business Card by Citi Features
Security & Efficiency
- Damage and theft protection: Get covered for either repairs or a refund if items purchased with your Citi card are damaged or stolen within 120 days of purchase―90 days for New York residents.
- Fraud protection: Get notified in case your card was used in an abusive manner or your account was used other than for business or commercial purposes.
- Insurance protection: Enjoy insurance protection, including Extended Warranty Protection.
- Rental car damage plan: Rent a car through Costco travel and enjoy Costco preferred rates for a rental car damage plan via Zurich. This offers coverage for rental car damage due to an accidental collision, theft, vandalism, and more.
- Digital wallets: Shop in millions of places online, within apps, and in stores using digital wallets. This feature lets you speed through checkout and enjoy earning rewards.
Citi-specific Features
- Citi® Quick Lock: Instantly block new purchases and cash advances while allowing recurring transactions, payments, balance transfers, and credits to continue without disruption.
- Citi® Concierge: Access experts who work around the clock to help you with your travel, shopping, dining, entertainment, and everyday needs.
- Citi Entertainment®: Get special access to presale tickets and exclusive events, including the year’s most anticipated concerts, sporting events, dining experiences, and more.
- FICO® scores: Access your FICO and Equifax scores to give you a better understanding of your credit status.
Costco Anywhere Visa® Business Card by Citi Fees
APR
- Introductory: None
- Ongoing and balance transfer: 20.49% variable, which adjusts with the prime rate (minimum interest charge is 50 cents)
- Cash advance: 29.99% variable, which adjusts with the prime rate
- Penalty: Up to 29.99% variable, which adjusts with the prime rate; will be applied to your account indefinitely if you made a late or a returned payment
- Plan fee (fixed finance charge): Monthly fee of 1.72% of each transaction moved to a Citi Flex Plan, subject to such fee based on the Citi Flex Plan duration
Fees
- Annual: None, but you must be a Costco member to qualify
- Balance transfer: $5 or 5% of the amount of each transfer, whichever is greater
- Foreign transaction: None
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late payment and returned payment: Up to $41
Your due date is at least 23 days after the close of each billing cycle.
Costco Anywhere Visa® Business Card by Citi Alternatives
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You need a 0% APR period: If you plan to make a large purchase or transfer a balance from another credit card, you’ll benefit from U.S. Bank Business Triple Cash Rewards World Elite’s 15-month long 0% APR—this is typically higher than what most other business credit cards offer.
- You wish to pay your balance in installments: If, after the introductory APR period, you still have a substantial balance and want to pay in installments, you can take advantage of U.S. Bank ExtendPay® Plan. This lets you pay your balance in equal monthly payments with no interest, only a small fixed monthly fee.
Other Benefits
- Charges $0 annual fee
- Lets you earn generous rewards:
- 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center
- 3% cash back on eligible purchases at gas and EV charging stations, office supply stores, cellphone service providers, and restaurants
- 1% cash back on all other eligible purchases
- Offers $500 cash bonus when you meet the spending requirements
- Provides $100 annual statement credit for recurring software subscriptions
It is our top-recommended fuel business credit card and leading business credit card with no annual fee. Also, it is one of our best 0% APR business credit cards and top business credit card balance transfers.
Also, you can head over to our leading U.S. Bank business cards for additional options from this issuer.
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
When To Consider American Express Blue Business CashTM
- You don’t want to keep track of spending categories: If you prefer to earn fixed-rate rewards without having to monitor expense categories, the American Express Blue Business CashTM is a viable option. It lets you earn 2% cash back on up to $50,000 worth of purchases per year, regardless of spending categories. When the cap is met, you’ll receive 1% cash back.
- You don’t want to redeem rewards: If you think that having to redeem rewards is such a hassle, you’ll find this card more valuable because you will automatically receive your cash back as a statement credit. This will be credited to your account by the second billing statement from when you earn the rewards.
- You need to spend over your credit limit: The American Express Blue Business CashTM features Expanding Buying Power, which lets you spend over your credit limit based on your card usage, payment behavior, credit history, and financial resources.
Other Benefits
- Lets you earn a $250 statement credit as a welcome offer when you meet the spending requirements
- Comes with 0% introductory APR on purchases for the first 12 months from the date of opening an account
- Charges $0 annual fee
It is our top cash back business credit card and best instant approval business credit card due to its simple rewards program. It is also one of our recommended small business credit cards and credit cards for new businesses with no credit history.
for more options from this provider, see our list of the best American Express business credit cards.
Bank of America® Business Advantage Customized Cash Rewards
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
BEST FOR:
Those who want to earn 3% cash back in a spending category of their choice
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Get a $300 online statement credit after you make at least $3,000 in purchases in the first 90 days of your account opening.
- Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases and 1% cash back on all other purchases.
- You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.
- You can earn up to 75% more cash back on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to 5.25% cash back in your selected choice category and up to 3.5% cash back on dining purchases on the first $50,000 in those combined purchases each calendar year, and up to an unlimited 1.75% cash back on all other purchases.
- No annual fee
- Choose how to redeem your cash rewards-as a deposit into your Bank of America® checking or savings account, as a card statement credit or as a check mailed to you. Cash rewards don’t expire.
- To change your choice category for future purchases, you must go to the Mobile Banking app or Business Advantage 360, our small business online banking. You can change it once each calendar month, or make no change and it stays the same.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- Offers flexible redemption options
- Doesn’t charge annual fees
- With sign-up bonus
Cons
- Premium cash back rewards are capped on a selected spending category
- Charges foreign transaction fees
- Short introductory APR period
- Access to a business credit score: Bank of America lets you view and monitor your Dun & Bradstreet business credit score for free through Business Advantage 360.
- Zero liability protection: Stay protected against unauthorized transactions. Bank of America offers additional protections that cover certain purchases against loss, damage, theft, or fire and provides extended warranty coverage.
- Fraud monitoring: Bank of America will block potential fraud if it detects abnormal patterns in your transactions. It’ll also notify you if it suspects any fraudulent activity.
When To Consider Bank of America® Business Advantage Customized Cash Rewards
- You want to choose the expense category on which you can earn premium rewards: The card offers premium cash back on your chosen category (you can choose from gas and EV charging, office supplies, travel, TV/telecom and wireless, computer services, or business consulting services).
- You have an existing Bank of America business checking account: You can earn up to 75% more rewards on all expenses if you qualify for the Preferred Rewards for Business program.
Other Benefits
- Offers 2% cash back on dining purchases and 1% cash back on all other purchases (note that the 3% and 2% cash back on your choice category and dining only apply to the first $50,000 purchases per year—when the cap is met, you’ll receive 1%)
- Has a 0% introductory APR on purchases for the first nine billing cycles
- Does not charge annual fees
It is one of our leading business credit cards for consultants and best business credit cards for restaurant owners. It’s also a great option if you don’t want your business transaction to affect your personal credit as it’s one of our top business credit cards that don’t report to personal credit bureaus.
For other options from the bank, check out our guide to the Bank of America business credit cards.
Frequently Asked Questions (FAQs)
The Costco Anywhere Visa® Card by Citi is exclusive for business owners who are Costco members. If you are not, then apply for a membership at Costco.com before applying for the credit card.
Yes, you can use your Costco Anywhere Visa® Card by Citi as your Costco membership ID—as long as your credit card account is active.
No, the cash back you earn from your Costco Anywhere Visa® Card by Citi cannot be redeemed as a statement credit. Cash back is provided as an annual credit card reward certificate only—this will be available once your February billing statement closes. You can then redeem the reward certificate for cash or merchandise, in a single transaction at any U.S. and Puerto Rico Costco Warehouse.
Bottom Line
Costco Anywhere Visa® Business Card by Citi is best for business owners who are current members of Costco and those who plan to purchase a Costco membership. You can earn cash back rewards on every purchase that can be redeemed at a Costco Warehouse. Note that aside from the membership fee, the card doesn’t charge an annual fee. Plus, you can also use it for making international purchases since it comes with $0 foreign transaction fees.
