The Citi is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is No annual fee with paid Costco membership. Approval typically requires a credit score of 720 or higher. Rewards: 5% on gas at Costco; 4% on other eligible gas and EV charging (combined $7,000 per year, then 1%); 3% on restaurants and eligible travel including Costco Travel; 2% on other Costco and Costco.com purchases; 1% on all other purchases. Cash back: No limits on cash back. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.