Patrick Murphy, WalletHub Analyst
@stpatrick1982
The Costco Anywhere Visa® Card by Citi is better for gas purchases, but only if you don’t spend more than $7,000 per year on gas. The card offers 5% cash back rewards on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. If you spend more on gas, the Citi Strata Premier® Card is a better option. The card will give you 10 points / $1 spent at gas stations, with no spending cap.
The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option only if you’re an American Airlines frequent flyer. The card earns 2 miles / $1 spent at gas stations.
Citi Strata Premier® Card vs. Costco Credit Card vs. Citi AAdvantage Platinum Select
| Category | Citi Strata Premier® Card | Costco Credit Card | Citi AAdvantage Platinum Select |
| Best for | Travel Rewards | Cash Back Rewards | American Airlines Frequent Flyers |
| Initial Bonus | 60,000 points for spending $4,000 in the first 3 months | N/A | 50,000 miles for spending $2,500 in the first 3 months |
| Ongoing Rewards | 10 points per $1 spent on hotels, car rentals and attractions booked on CitiTravel.com, 3 points per $1 spent on air travel, at hotels, restaurants, supermarkets, gas and EV charging stations, as well as 1 point per $1 on all other purchases | 5% cash back rewards on gas at Costco and 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter, 3% back on restaurant and eligible travel purchases, 2% back on all other Costco and Costco.com purchases, and 1% back on all other purchases | 2 miles per $1 spent on eligible American Airlines purchases, 2 miles per $1 at gas stations and restaurants including takeout, and 1 mile per $1 on all other purchases |
| Annual Fee | $95 | $0 | $0 intro 1st yr, $99 after |
| Credit Requirement | Good credit | Excellent credit | Good credit |
Picking the right card ultimately depends on your specific needs and spending habits. Before making a decision, make sure you look beyond the rewards offered and check out the fees, interest rate and approval requirements.
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