Q&A: What credit score do you need for a Costco credit card?

Updated on January 8, 2024

Question: What credit score do you need for a Costco credit card?

Answer: The Costco Anywhere Visa Card by Citi is the official credit card offered to Costco members, and it comes with a bunch of perks, especially if you shop at Costco frequently.

Generally speaking, to get your hands on the Costco Anywhere Visa Card, you’ll likely need a good to excellent credit score. This typically means a score of around 700 or higher. But remember, the higher your score, the better your chances of approval and possibly getting more favorable terms.

But here’s the thing: while your credit score is a big piece of the pie, it’s not the only slice. Citi, the card issuer, will also take a look at other aspects of your financial profile. This includes your income, employment status, payment history, and how you’ve managed credit in the past. All these factors together give them a clearer picture of how risky or safe it might be to lend to you.

If you’re thinking about applying, it might be a smart move to check your credit report first. Make sure everything looks accurate, and there aren’t any surprises lurking. Every credit card application results in a hard inquiry on your credit report, which can give your score a tiny dip. So, it’s always wise to apply when you’re feeling pretty confident about your chances.

In a nutshell, while a good to excellent credit score can boost your chances of getting the Costco credit card, it’s also essential to have a solid overall financial profile. And hey, if you do get the card, enjoy those cashback rewards and happy shopping at Costco!

Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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Frank Gogol

I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.

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