Syd Jones, WalletHub Credit Card Analyst
@syd.jones
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 inquiries. Still, make sure to check your credit score before applying.
Costco Credit Card Approval Requirements:
- A high personal credit score. Whether you’re interested in the Costco Anywhere Visa® Card by Citi or the Costco Anywhere Visa® Business Card by Citi, your personal credit standing will largely dictate your odds of approval. All business credit cards base approval decisions on applicants’ personal credit history because it tends to be longer and more predictive.
- Enough income & assets. Income and assets shows your ability to pay a new credit card’s bills. The more money and valuable items you have to your name, the less risky you’re generally considered to be. But these factors are compared to your existing debt obligations.
- Low existing debt. Lenders want to make sure you’ll be able to make your credit card payment each month. And the more debt you have relative to your income, the less confident they’ll be about that happening.
- Other things to keep in mind. Some online reports mention that people are getting approved for a Costco Anywhere Visa® Card by Citi with a credit score in the low 700’s. But since a lot of other factors are in play, you shouldn’t assume that you will be approved just because they were. Plus, getting turned down for a credit card can lead to temporary credit score damage.
If your credit score is already 750+ and you have a good debt-to income ratio, , you’ll have a better chance of approval. If not, make sure to improve your credit standing first. To do so, make sure to catch up on your current payments, keep your credit utilization below 30%, and build a longer history.
Finally, don’t forget that you have to be a Costco member to apply. That will cost you $60+ per year in membership dues.

Costco Anywhere Visa® Card by Citi
dgray, Member
@dgray
I applied yesterday with an EX score of 739, a salary well over 6 digits and less than 1% credit utilization of around $15k (credit cards; no other debt) and I was turned down. My TU and EQ are also in the mid 700s so I guess getting this card is only for those that spend a ton of money at CostCO (I don’t) and have excellent credit. I don’t use a lot of credit (never have) so I will most likely never have a score high enough to qualify for this card and won’t be buying from CostCO. The Executive Business Membership I bought was a waste of money since I will most likely never ship at CostCO now because my AMEX gives me better deals elseware. :-(

Costco memberships are never a waste of money. If you don’t like it, they will refund your membership. You only need to visit the membership counter or call the member services anytime when your membership is still active.
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