Can anyone get a Costco credit card? This question is about the Costco Anywhere Visa® Card by Citi

No, not just anyone can get a Costco Credit Card. To qualify for the Costco Anywhere Visa® Card by Citi, you must have an active Costco membership, which costs $60 to $120 per year, as well as a 750+ credit score and enough income to afford monthly bill payments. If you don’t currently have a Costco membership, you can get a membership and apply for the Costco Credit Card at the same time. What You Need to Get a Costco Credit Card Active Costco membership Excellent credit Social Security number (or Individual Taxpayer Identification Number if applying in-store) Low debt-to-income ratio U.S. mailing address At least 18 years old These requirements apply to both the Costco Credit Card and the Costco Anywhere Visa® Business Card by Citi. The Costco Business Credit Card also requires applicants to be business owners with at least 25% control or ownership of the business.

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Can anyone get a Costco credit card?

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This question is about the Costco Anywhere Visa® Card by Citi

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Milvionne Chery Copeland, Writer

@milvionne_copeland • 06/03/22 This answer was first published on 06/03/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, not just anyone can get a Costco Credit Card. To qualify for the Costco Anywhere Visa® Card by Citi, you must have an active Costco membership, which costs $60 to $120 per year, as well as a 750+ credit score and enough income to afford monthly bill payments. If you don’t currently have a Costco membership, you can get a membership and apply for the Costco Credit Card at the same time.

What You Need to Get a Costco Credit Card

Active Costco membership
Excellent credit
Social Security number (or Individual Taxpayer Identification Number if applying in-store)
Low debt-to-income ratio
U.S. mailing address
At least 18 years old

These requirements apply to both the Costco Credit Card and the Costco Anywhere Visa® Business Card by Citi. The Costco Business Credit Card also requires applicants to be business owners with at least 25% control or ownership of the business.

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What's the Costco credit card credit score requirement?

The Costco Credit Card credit score requirement is 750 or higher, which means applicants with excellent credit should have good odds of approval. That’s the case for both the Costco Anywhere Visa® Card by Citi and the Costco Business Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Costco Credit Card, too. Some other key criteria include your income, existing debt load, and recent credit...

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Does Citi Costco do a hard pull?

Yes, the Citi Costco will do a hard pull. You will need a credit score of at least 700 to get it and there is no way to get pre-approved.

A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit...

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Can you get a Costco credit card without being a member?

No, you cannot get a Costco Credit Card without being a member. The card was designed exclusively for Costco members, and a membership number is required when applying for the card.

You can apply for a Costco membership online. Right now there are two options that you can choose from:

The Executive membership - $120/year
The Gold Star membership - $60/year

Keep in mind that aside from the membership status, the...

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