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Citi Citi / AAdvantage Business vs Costco Anywhere Visa

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Citi / AAdvantage Business 1.5% 1x base rate
  2. Costco Anywhere Visa 1.0% 1% base rate

Dining

  1. Costco Anywhere Visa 3.0% 3%
  2. Citi / AAdvantage Business 1.5% 1x base rate

Gas

  1. Costco Anywhere Visa 4.0% 4%, capped
  2. Citi / AAdvantage Business 2.9% 2x

Phone & internet

  1. Citi / AAdvantage Business 2.9% 2x
  2. Costco Anywhere Visa 1.0% 1% base rate

Costco gas

  1. Costco Anywhere Visa 5.0% 5%, capped
  2. Citi / AAdvantage Business 2.9% 2x

Flights

  1. Costco Anywhere Visa 3.0% 3%
  2. Citi / AAdvantage Business 2.9% 2x

Hotels

  1. Costco Anywhere Visa 3.0% 3%
  2. Citi / AAdvantage Business 1.5% 1x base rate

Car rental

  1. Citi / AAdvantage Business 2.9% 2x
  2. Costco Anywhere Visa 1.0% 1% base rate

Costco

  1. Costco Anywhere Visa 2.0% 2%
  2. Citi / AAdvantage Business 1.5% 1x base rate

What the numbers are doing

Costco Anywhere Visa's 4% on gas runs out: it applies to the first $7,000 of gas spend a year, and everything past that earns 1%.

The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and Costco Anywhere Visa $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Citi / AAdvantage Business takes everything else, phone & internet and car rental; Costco Anywhere Visa takes dining, gas, costco gas and flights, plus 2 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseCiti / AAdvantage Business1.5%
DiningCostco Anywhere Visa3.0%
GasCostco Anywhere Visa4.0%
Phone & internetCiti / AAdvantage Business2.9%
Costco gasCostco Anywhere Visa5.0%
FlightsCostco Anywhere Visa3.0%
HotelsCostco Anywhere Visa3.0%
Car rentalCiti / AAdvantage Business2.9%
CostcoCostco Anywhere Visa2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Citi / AAdvantage Business — 1.5%
  2. Costco Anywhere Visa — 1.0%

Dining

  1. Costco Anywhere Visa — 3.0%
  2. Citi / AAdvantage Business — 1.5%

Gas

  1. Costco Anywhere Visa — 4.0%
  2. Citi / AAdvantage Business — 2.9%

Phone & internet

  1. Citi / AAdvantage Business — 2.9%
  2. Costco Anywhere Visa — 1.0%

Costco gas

  1. Costco Anywhere Visa — 5.0%
  2. Citi / AAdvantage Business — 2.9%

Flights

  1. Costco Anywhere Visa — 3.0%
  2. Citi / AAdvantage Business — 2.9%

Hotels

  1. Costco Anywhere Visa — 3.0%
  2. Citi / AAdvantage Business — 1.5%

Car rental

  1. Citi / AAdvantage Business — 2.9%
  2. Costco Anywhere Visa — 1.0%

Costco

  1. Costco Anywhere Visa — 2.0%
  2. Citi / AAdvantage Business — 1.5%
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