The Citi is a business credit card from Citi. Application typically pulls a hard report from Equifax. The annual fee is $0 with your paid Costco membership (Costco membership required). The ongoing APR is 18.99% to 26.99% variable, based on creditworthiness (Prime + 11.99% to 19.99%; terms based on a 7.0% Prime Rate, read 2026-10-13). Approval typically requires a credit score of 650-700 or higher. Rewards: 5% cash back on gas at Costco and 4% on other eligible gas and EV charging (combined first $7,000 per year, then 1%); 3% on restaurants and eligible travel including Costco Travel; 2% on all other Costco and Costco.com purchases; 1% on all other purchases. Paid once a year as a credit card reward certificate after the February statement, redeemable at U.S. Costco warehouses. Loan terms: Revolving business credit card; due date at least 23 days after the close of each billing cycle; Citi Flex Plans available (plan fee up to 1.72% monthly or APR 18.99% to 26.99%). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.