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As far as store cards go, you could do worse than the Costco Anywhere Visa Card by Citi. You’ll need a Costco membership to get it, but you’ll earn a considerable amount of cash back on gas (not so much at Costco) and gain some decent shopping protections.
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | 15.24% (Variable) |
Balance Transfer Fee | 3% of each balance transfer; $5 minimum |
Penalty APR | Up to 29.99% (Variable) |
Late Fee | Up to $40 |
Returned Payment Fee | Up to $40 |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | None |
Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 25.24% (Variable) |
Cash Advance Fee | 5% of each cash advance; $10 minimum |
Citi has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe Costco Anywhere Visa® Card by Citi offers cash back for a variety of different types of purchases, including a relatively high reward for gas purchases.
You’ll need a Costco membership to be eligible for this card, and you can use it to make purchases anywhere Visa credit cards accepted. This card can also be used as your Costco membership ID.
It offers 4% cash back at eligible gas stations, including gas at Costco, on up to $7,000 in spending per year, then 1%. It also provides 3% cash back at restaurants and on travel, with 2% back for all other purchases from Costco.
This card has no annual or foreign transaction fees.
To redeem your rewards, you’ll receive a coupon in the mail each year in your February billing statement. You’ll need to take the coupon to a Costco, where you can use it for purchases or redeem the balance in the form of cash or a check.