The Costco Anywhere Visa® Card by Citi is generally considered a "prime" credit card, meaning it typically requires a Good to Excellent credit score for approval. Most successful applicants in 2026 have a FICO score of 720 or higher. While some individuals with scores in the high 600s may be approved, they are often subjected to lower credit limits or higher interest rates. Beyond just the numerical score, Citi also looks at your "debt-to-income" ratio and your history of on-time payments. Because this card offers high cash-back rewards (4% on gas/EV charging and 3% on travel/dining), the issuer is more selective in its approval process. It is also a requirement that you are an active Costco member to apply for and maintain the card. If you are looking to build your credit, this may not be the best "starter" card; instead, it is a high-value tool for those who have already established a solid credit history and want to maximize the benefits of their existing Costco membership and travel spending.