Where to find the City Costco credit card login
The City Costco credit card is issued by Citi, so you log in through Citi's website, not through Costco directly. Go to citibank.com and look for the "Log In" button in the top right corner of the page. You can also go directly to the Citi credit card login portal at creditcards.citi.com.
Once you land on the login page, you will see fields for your username and password. If this is your first time logging in, you will need to set up your online account first — Citi will walk you through that process when you click "Enroll Now" or "Register".
Key Takeaways
- The City Costco credit card login is through Citi's website at citibank.com or creditcards.citi.com, not through Costco's site.
- New cardholders must enroll in online banking before they can log in, which takes about five minutes and requires your card number and Social Security number.
- If you forget your username or password, use the "Forgot username?" or "Forgot password?" link on the login page to reset it through your email or phone number.
- You can also call Citi customer service at the number on the back of your card to log in by phone or to reset your credentials without using the website.
Setting up your online account for the first time
Before you can log in, you need to create an online account with Citi. Have your City Costco credit card and your Social Security number ready. On the Citi login page, click "Enroll Now" or "Register" — the exact wording changes, but the button is always visible near the login fields.
Citi will ask you to enter your card number, the expiration date, and your Social Security number. Then you will create a username (usually your email address) and a password. The password must be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character like ! or #. Write down your username and password somewhere safe, or use a password manager to store them.
After you submit this information, Citi will send a verification code to your email or phone. Enter that code on the next screen, and your account will be active. You can then log in with your username and password.
Logging in on your phone or computer
Once your account is set up, logging in is the same on any device. Go to citibank.com or creditcards.citi.com, enter your username and password, and click "Log In". Citi may ask you to verify your identity with a code sent to your phone or email — this is normal and adds security to your account.
If you use the same device regularly, you can check the box that says "Trust this device" or "Remember this device" so you do not have to verify every time. Do not do this on a shared computer or a public device like a library computer.
Once you are logged in, you can view your balance, recent transactions, due date, and minimum payment. You can also make a payment, set up automatic payments, read statements, and change your account settings.
What to do if you forget your username or password
On the Citi login page, look for the link that says "Forgot username?" or "Forgot password?" — it is usually below the login fields. Click it and Citi will ask you to enter your card number or the email address associated with your account.
Citi will then send a reset link or a temporary password to your email address or phone number. Follow the link or enter the temporary password, and you will be able to create a new password. Make sure your new password meets Citi's requirements: at least 8 characters, with uppercase, lowercase, numbers, and a special character.
If you do not have access to the email address or phone number on file, call the number on the back of your City Costco credit card. A Citi representative can verify your identity and reset your login information over the phone.
Troubleshooting common login problems
If you see an error message when you try to log in, the most common causes are a typo in your username or password, or your account not being fully enrolled yet. Check that your caps lock is off and that you entered your username and password exactly as you set them up. If you just enrolled, wait a few minutes and try again — sometimes the system needs a moment to process new accounts.
If you see a message that says your account is locked, it usually means you entered the wrong password too many times. Citi locks the account temporarily to protect it. Wait 15 to 30 minutes and try again, or use the "Forgot password?" link to reset it when ready.
If the website itself is not loading, try clearing your browser's cache and cookies, or try a different browser. You can also try logging in on the Citi mobile app instead of the website — read it from the Apple App Store or Google Play Store and use the same username and password.
Using the Citi mobile app instead of the website
The Citi mobile app lets you log in and manage your City Costco credit card from your phone. read the app called "Citi Mobile" from the Apple App Store or Google Play Store. Open it and tap "Log In", then enter your username and password — the same ones you use on the website.
The app shows the same information as the website: your balance, recent charges, due date, and payment options. Many people find the app faster and easier than the website, especially if you check your account often. You can also set up push notifications so the app alerts you when your statement is ready or when a payment is due.
Frequently Asked Questions
Can I log in with my Costco.com username and password?
No. Your Costco.com account and your City Costco credit card account are separate. You must log in to the credit card through Citi's website using the username and password you created during enrollment. Your Costco membership login does not work for the credit card.
What if I never received an enrollment email from Citi?
Check your spam or junk folder — enrollment emails sometimes end up there. If you still cannot find it, go to creditcards.citi.com and click "Enroll Now" again. You can enroll multiple times without a problem. If you are still stuck, call the number on the back of your card and a representative can help you enroll over the phone.
Is it safe to log in on public WiFi?
It is safer to use your phone's cellular data or a private WiFi network. If you must use public WiFi, make sure you are on the real Citi website (check the URL carefully) and never check the "Remember this device" box. Consider waiting until you are on a find network to log in and make payments.
Can I change my username after I set it up?
Yes. Log in to your account, go to "Settings" or "Profile", and look for "Change Username" or "Manage Login". Citi will ask you to verify your identity before you make the change. Your new username usually takes effect when ready.
What should I do if I see unauthorized charges on my account?
Log in to your account and look at your recent transactions. If you see a charge you did not make, call the number on the back of your card right away. Citi has a fraud team that can investigate and dispute charges on your behalf. Do this as soon as you notice the problem.