Costco credit cards - Revision history

Editor at 06:31, 19 February 2021

2021-02-19T06:31:17Z

Editor: Editor moved page Costco Credit Cards to Costco credit cards without leaving a redirect

2021-02-19T00:37:10Z

Editor moved page Costco Credit Cards to Costco credit cards without leaving a redirect

Editor: /* Collecting the Signup Bonus */

2021-02-17T21:39:12Z

‎Collecting the Signup Bonus

Editor: /* Getting Rid of the Card */

2020-10-24T00:10:13Z

‎Getting Rid of the Card

Editor: /* Bonus Categories */

2020-10-19T20:16:16Z

‎Bonus Categories

Editor at 02:31, 13 October 2020

2020-10-13T02:31:58Z

Editor: /* Collecting the Signup Bonus */

2020-10-05T05:50:00Z

‎Collecting the Signup Bonus

Editor at 22:42, 2 October 2020

2020-10-02T22:42:08Z

Editor: /* Bonus Categories */

2019-10-30T16:34:03Z

‎Bonus Categories

Editor at 16:30, 30 October 2019

2019-10-30T16:30:11Z

← Older revision		Revision as of 06:31, 19 February 2021
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		+	{{DISPLAYTITLE: Costco Credit Cards}}
	{{Page\|card\|citi cards}}		{{Page\|card\|citi cards}}

@@ Line 61: / Line 61: @@
 === Collecting the Signup Bonus ===
-'''There is none'''. Rather than applying directly, you could wait until you need to cancel a different Citibank card, and downgrade it to the Costco card instead. This lets you avoid an additional credit card application, and you won't be missing out on the signup bonus from the Cost card, because there is none.
+'''There is none''' (other than an occasional tote bag or some other minor benefit). Rather than applying directly, you could wait until you need to cancel a different Citibank card, and then downgrade it to the Costco card instead. This lets you avoid an additional credit card application.
 === Notable Benefits ===

@@ Line 82: / Line 82: @@
 === Getting Rid of the Card ===
-You receive your Costco credit card rewards in February (along with any Costco Executive membership rewards). If you cancel at any other time, you'll lose any accumulated rewards. If you cancel your Costco membership, they will automatically cancel your associated credit card.
+<ul class="bulletlist">
-You can't convert the Costco card to any other card.
+<li>'''You can't convert the Costco card to any other card''', even though it is a Citibank card.</li>
 {{/Main|card}}
 {{/Page|card}}

@@ Line 70: / Line 70: @@
 <ul class="bulletlist">
-<li>'''Bonus rewards for travel and restaurants are good for a no-annual-fee card, but you can get more valuable rewards elsewhere.'''. Other than the Wells Fargo combination, you can't earn more than 3% on restaurants (and you there aren't many options for earning more than 3% on travel) from a card that doesn't have an annual fee. However, if you spend a significant amount in these categories, you are better off paying an annual fee for one of the cards that offers significantly higher reward rates.  {{Link|Travel Spending}}. {{Link|Restaurant Spending}}.</li>
+<li>'''Bonus rewards for travel and restaurants are good for a no-annual-fee card, but you can earn more valuable rewards with other cards'''. And if you spend a significant amount in these categories, you are better off paying an annual fee for one of the cards that offers significantly higher reward rates. {{Link|Travel Spending}}. {{Link|Restaurant Spending}}.</li>
-<li>'''4% back on gas is very good'''. However, you can earn even more with a handful of other cards. So, it doesn't make sense to get this card, just to optimize the rewards on your gas purchases. However, if you already have this card, it is likely your best existing option to use at gas stations. {{Link|Gas Spending}}.</li>
+<li>'''4% back on gas is very good'''. However, since you can earn even more with a handful of other cards, it doesn't make sense to get this card just to optimize the rewards on your gas purchases. {{Link|Gas Spending}}.</li>
-<li>'''2% back at Costco is not very interesting'''. You should be already be getting that, or more, from your general-purpose reward card. {{Link|general purpose}}.</li>
+<li>'''2% back at Costco is not very interesting'''. You should be already earning at least that from your general-purpose reward card. {{Link|general purpose}}.</li>
 {{Bonus Everyday|plural}}

@@ Line 49: / Line 49: @@
 {{TOC|All}}
 *[[#Collecting the Signup Bonus|Signup Bonus]]
-*[[#Companion Certificates|Companion Certificates]]
+*[[#Notable Benefits|Notable Benefits]]
 *[[#Bonus Categories|Bonus Categories]]
 *[[#Getting Rid of the Card|Getting Rid of the Card]]
@@ Line 64: / Line 63: @@
 '''There is none'''. Rather than applying directly, you could wait until you need to cancel a different Citibank card, and downgrade it to the Costco card instead. This lets you avoid an additional credit card application, and you won't be missing out on the signup bonus from the Cost card, because there is none.
-=== Other Notable Benefits ===
+=== Notable Benefits ===
 None.

← Older revision	Revision as of 00:37, 19 February 2021
(No difference)

← Older revision		Revision as of 05:50, 5 October 2020
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	{{/TOC}}		{{/TOC}}

		+
		+	=== Costco Card Options ===
		+
		+	Both a personal and business version are available—they have identical reward rates and benefits.

	=== Collecting the Signup Bonus ===		=== Collecting the Signup Bonus ===

@@ Line 45: / Line 45: @@
 </div>
-'''The Costco card earns some of the best bonus rewards of any no-annual-fee card. You'll get 3% on travel and restaurants and 4% on gas. If you already have a Costco membership,and you don't spend enough money to justify paying annual fees for the cards that earn more valuable rewards, it is a good option for these categories.'''
+'''The Costco card earns some of the best bonus rewards of any no-annual-fee card. You'll get 3% on travel and restaurants and 4% on gas. If you already have a Costco membership and you don't spend enough money to justify paying annual fees for a card that earn more valuable rewards, it is a good option for these categories. But better reward rates are available from many fee-based credit cards.'''
 {{TOC|All}}