Amex Graphite Business Cash Unlimited Card vs Costco Anywhere Visa Card by Citi

Side-by-side comparison of Amex Graphite Business Cash Unlimited Card and Costco Anywhere Visa Card by Citi. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Amex Graphite Business Cash Unlimited Card	Costco Anywhere Visa Card by Citi
Issuer	American Express	Citi
Network	American Express	Visa
Card Material	Plastic	Plastic
Annual Fee	$295.00	$0.00
Base Rate	2.00%	1.00%
Travel Rewards	0.00x	3.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Active	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Travel	5.0%	3.0%
Eligible gas and EV charging purchases (up to $7K per year)	2.0% (base)	4.0%
Restaurants	2.0% (base)	3.0%
Costco and Costco.com purchases	2.0% (base)	2.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	None
Annual Credits	None	None

Transfer Partners

Pricing Details

Purchase APR	12.74% - 21.74%	20.49% - 20.49%
Cash Advance APR	28.74%	29.99%
Penalty APR	29.99%	29.99%
Late Fee	$40	$41
Balance Transfer Fee	N/A	undefined% (min $0)

Insurance & Protections

Auto Rental	—	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	Extends warranty by 24 months
Purchase Protection	—	Covered up to $10,000 per item
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard