With our area finally getting a Costco, I'm now having to split our monthly spending between our Amex BC Everyday and a CapOne Quicksilver due to Costco's Visa-only relationship. I'm considering app'ing the US Bank Shopper Cash Rewards card or the Citi Anywhere Costco card so we can consolidate, but can't decide. I am leaning toward the Costco card due to the annual fee on the Shopper Cash Rewards card and the poor experiences I've seen for applicants with US Bank who don't have an existing relationship (and we do not).
Any input or counterpoints to help with making the decision are appreciated.
Just remember with a Costco card;
"Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses, including Puerto Rico."
Personally a once per year reward isn't my thing but if you are okay with that then go for it. Otherwise I think I would try for a 2% cash back Visa card and use that.
8/8/25
2/16/26
@cws-21 wrote:
@Lou-natic wrote:Just remember with a Costco card;
"Cash back will be provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses, including Puerto Rico."
Personally a once per year reward isn't my thing but if you are okay with that then go for it. Otherwise I think I would try for a 2% cash back Visa card and use that.
I also don't love the redemption process for the Costco Anywhere so I probably would just use something like the Wells Fargo Active Cash.
Yeah, the redemption thing really doesn't bother me. In a way, I kinda like the idea of them making me not touch it....LOL. I do sorta wish they'd send the reward in November, though, so it could be used for Christmas shopping.
What are some others you'd suggest? Wells Fargo is a non-starter for me. I've had their Propel for going on four years and they started me at $3,000 and have only upped it once (based on my request for $10,000) to a whopping $3,800. Don't care for their website, nor their app interface, either. They can kick rocks.
Mind you, my issues with Wells Fargo are some I suspect I'd have with US Bank, too. I've already seen on these forums where one user got a paltry $500 SL presumably because of no previous relationship. That's just absolutely absurd for a card with a $95 AF.
Tell me this. With WF being so stingy the only time I asked for a CLI, do you think maybe if I apply for the Active Cash, they look at the existing relationship and finally offer a reasonable SL? I would consider them if they weren't so conservative.
Another option is the AAA Daily Advantage Visa by Comenity. It gets 5% back on groceries and 3% back on gas and wholesale clubs, which should include Costco, until and if you reach $500 cash back for the year. That works out to $10k purchases on groceries or $16,666 at wholesale clubs per year if you were to use it exclusively at Costco, all for no annual fee!
Comenity is known to issue a bunch of store cards and seems to be rather generous with their starting limits, in my experience at least.
