Where can I find the Citi Costco Visa guide to protection benefits?

Costco Credit Card purchase protection covers the damage or theft of eligible purchases for up to 120 days after the purchase date. Purchase protection will reimburse Costco Credit Card cardholders for up to $1,000 and up to $50,000 per year.

How to File a Purchase Protection Claim with the Costco Credit Card

1. Call the Benefit Administrator as soon as possible after the incident at ... read full answer(866) 918-4670 or the number in your card’s benefits guide.
2. File a police report within 48 hours of the incident, if the item was stolen.
3. Submit a completed claim form within 180 days of the incident.
4. Wait for a decision. Citibank will notify you of a decision once your claim has been processed.
5. Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.

Be aware that not all items are covered by the Costco Credit Card purchase protection benefit. To see which items are covered by this perk, check the guide to benefits that came with your credit card.

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.

Costco Credit Card Travel Benefits

• 3% to 4% cash back in key spending categories. 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).... read full answer
• 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. To be eligible, you must 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.
• Quick Lock Tool. If you misplaced your card, log in to your online account or use the issuer’s mobile app to block new charges, while allowing recurring transactions to continue uninterrupted.
• Great exchange rates. Since this card is on the Visa network, 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 damaged or stolen, 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 this benefit is free with the Costco Credit Card, it’s a lot cheaper than the rental car insurance offered by the rental agency.... read full answer

Here's how the Costco Credit Card rental car insurance works:

• When it applies: It applies to rentals of up to 31 days that were paid for with the Costco Credit Card.
• What is covered: 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. Outside of the U.S., the rental car coverage is considered primary insurance, which means it covers the car before any other insurance policy takes effect.
• What is not covered: 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 as possible after your rental car is damaged or stolen. You can also download a claim form online.