Log in at Citi's main portal, not through Costco
The Citi Costco Credit Card account lives on Citi's website, not on Costco.com. Go to citibank.com, click "Sign In" in the top right corner, and enter your username and password. If you have not yet created an online account, you will need to set one up first using your card number and other identifying information.
Do not look for a login option on the Costco website itself. Costco does not host the card portal — Citi does. This matters because it means your login credentials are the same ones you would use for any other Citi credit card or bank account you hold with them.
Key Takeaways
- The Citi Costco Credit Card portal is at citibank.com, not on Costco's website.
- You log in with a username and password you create during your first visit, using your card number to verify your identity.
- If you forget your password, use the "Forgot username or password?" link on the Citi sign-in page to reset it by email or phone.
- Once logged in, you can view your balance, make payments, read statements, and manage your account settings.
- If you cannot remember your username, Citi can send you a reminder to your registered email address.
Create your online account if you have not already
When you first receive your Citi Costco Credit Card, you do not automatically have an online account. You must create one yourself. Go to citibank.com, click "Sign In," then look for a link that says "Enroll Now" or "Create username." You will need your card number, Social Security number, and date of birth to verify your identity.
The enrollment process takes about five minutes. Citi will ask you to choose a username and password, set up security questions, and confirm your email address and phone number. Write down your username somewhere safe — you will need it every time you log in.
Reset your password if you are locked out
If you forget your password or have not logged in for a long time and cannot remember it, click "Forgot username or password?" on the Citi sign-in page. Citi will ask you to enter your username or the email address associated with your account, then send you a reset link by email or offer to verify your identity by phone.
The email link typically works for 24 hours. If you do not see the email in your inbox, check your spam folder — sometimes password reset emails get filtered there. If you prefer not to use email, you can choose to verify your identity by answering security questions or providing information from your card instead.
What you can do once you are logged in
After you log in, you can view your current balance, recent transactions, and available credit. You can also make a payment to your card, set up automatic payments, read or print statements, and change your account settings like your phone number or email address.
The portal also shows your rewards balance if you have earned Costco Cash back. You can see how much you have earned year to date and when your rewards will post to your account. Some account settings, like changing your billing address or requesting a new card, can be done online; others may require you to call Citi customer service.
Use the mobile app as an alternative to the website
Citi also offers a mobile app called Citi Mobile, available on iPhone and Android. You log in with the same username and password you use on the website. The app lets you check your balance, make payments, view transactions, and lock or unlock your card if it is lost or stolen.
Some people find the app faster for quick tasks like checking a balance or making a payment. The app also sends you push notifications for large purchases or suspicious activity, which can be a useful security feature. You do not have to use the app — the website works just as well — but it is there if you prefer managing your account on your phone.
Contact Citi if you cannot log in or have account questions
If you have trouble logging in even after resetting your password, or if you see an error message you do not understand, call Citi customer service. The phone number is on the back of your card. Have your card number and date of birth ready.
Citi's customer service team can verify your identity, help you reset your account, unlock a locked account, or answer questions about your balance and rewards. They can also help if you think your account has been compromised or if you notice unauthorized charges.
Frequently Asked Questions
Is my Citi Costco card login the same as my Costco.com login?
No. Your Citi card account is separate from your Costco membership account. You log into the card at citibank.com and your Costco membership at costco.com. They do not share usernames or passwords.
Can I pay my Citi Costco card through Costco.com?
No. You must make payments through citibank.com, the Citi Mobile app, or by calling Citi customer service. Costco's website does not process card payments.
What should I do if I see a login page that looks like Citi but the web address is not citibank.com?
Do not enter your information. Close the page and go directly to citibank.com by typing it into your browser yourself. Fake login pages designed to steal passwords sometimes appear in search results or emails. Always type the real web address yourself rather than clicking a link.
Can I log in if I am outside the United States?
Yes. Citi's website works from most countries. However, if you are traveling, Citi may flag your login as unusual and ask you to verify your identity by answering security questions or confirming a code sent to your phone.
How do I change my username after I have created an account?
You cannot change your username yourself through the website. You must call Citi customer service and ask them to change it for you. Have your card number and date of birth ready when you call.