Where can I find the Citi Costco Visa Guide to Protection Benefits?

The Costco Credit Card travel benefits include 3% cash back rewards on travel purchases, travel insurance, roadside assistance and various other perks. Together, these factors make the Costco Credit Card a solid choice for travel, especially domestically.

Here are the Costco Credit Card travel benefits:

• 3% to 4% cash back in key spending categories.… read full answer You’ll get 3% cash back at restaurants and on other eligible travel expenses (airfare, hotels, car rentals, cruises, etc.). You’ll also earn 4% cash back on the first $7,000 you spend on eligible gas every year and 1% thereafter. So both big and small travel costs get great earning rates. All other purchases earn just 1% back (or 2% at Costco itself).
• 0% foreign transaction fee.
• Travel accident insurance. This covers you up to $250,000 for death or dismemberment. You need to charge the cost of your fare to your Costco card.
• Worldwide auto rental insurance. You are protected up to $50,000 against having to pay for damage resulting from theft or collision when you rent certain types of cars, pay with your Costco Credit Card and don’t buy insurance through the rental agency.
• Roadside Assistance Dispatch Service. Domestic coverage for dispatch services including towing, fuel delivery (up to 2 gallons), jump starts, flat tire changes (when a spare is available) and lock-out assistance (when the key is in the vehicle). You’ll be responsible for the costs of the dispatch and roadside assistance, paying a pre-negotiated price per service call.
• Travel & Emergency Assistance. 24/7 assistance for emergency travel arrangements, travel issues, medical and legal referrals and more. To request help, just call (866) 918-4670 if you’re in the U.S. or (312) 356-7839 if you’re abroad.
• Citi Entertainment. Special access to purchase tickets to thousands of events, including presale tickets and exclusive events such as concerts, sporting events, dining and many more.
• $0 Liability on Unauthorized Charges. You won’t be held responsible for a charge that you did not authorize.
• Citi Quick Lock. If you misplaced your card, you can log into your Citi online account or use the Citi app to block new charges while allowing recurring transactions to continue uninterrupted.
• Great exchange rates. Since this card is a Visa, you can use it anywhere in the world that credit cards are accepted. And you'll get some of the best exchange rates too.

At the end of the day, the Costco Credit Card has a lot of travel appeal, from its great rewards to its secondary benefits.

The Costco Credit Card’s rental car insurance will cover most car rentals purchased with the card, as long as you decline any insurance offered by the rental agency. If the car is stolen, or you get into an accident with the car, you’re covered for up to $50,000 in either repair costs or the cash value of the car (whichever turns out to be less). And because it’s free with the Costco Credit Card, it’s a lot cheaper than the rental car insurance offered by the rental agency.… read full answer

There are some rules, however. The maximum length of a covered rental is 31 days, so your car won’t be covered if the rental agreement is longer than that. Covered issues include damage due to an accident, natural disaster, or vandalism; or theft of the vehicle. Towing expenses to the nearest collision center are also covered. The Costco Credit Card rental car insurance covers rentals worldwide – and outside of the U.S., it’s considered primary insurance, which means it covers the car before any other insurance policy takes effect.

Costco Credit Card rental car insurance does not cover rentals used as a “car for hire,” rentals from peer-to-peer car sharing companies, or damage done by operating the car in a way that violates the rental agreement. It also won’t cover bodily injury expenses.

If you need to file a claim, call 866-918-4670 as soon after the incident as possible. You can also visit the Citi Costco claims website to download a claim form.