Go to Citi's login page, not Costco's website
The Costco Citi Visa card is issued by Citibank, so you log in through Citi's portal, not through Costco.com. Go to citibank.com and look for the "Log In" button in the top right corner of the page. Click it, then select "Credit Cards" from the menu that appears.
You will land on a page that says "Citi Credit Cards" at the top. Enter your 16-digit card number and your password in the fields provided. If you have never logged in before, you will need to set up your account first — see the section below on first-time setup.
Once you are logged in, you can view your balance, recent transactions, pay your bill, set up automatic payments, and read statements. Your Costco Cash rewards will also show on this dashboard.
Key Takeaways
- Log in at citibank.com under Credit Cards, not at Costco.com or a Costco app.
- You will need your 16-digit card number and a password you create during first-time setup.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or phone.
- Once logged in, you can pay your bill, view rewards, and read statements without calling Citi customer service.
Setting up your account for the first time
When you first receive your Costco Citi Visa card, you need to create an online account before you can log in. Call the number on the back of your card or go to citibank.com and select "Enroll Now" instead of "Log In." You will be asked to enter your card number, the last four digits of your Social Security number, and your date of birth to verify your identity.
Next, you will create a username and password. Your username can be an email address or a custom name you choose. Your password must be at least 8 characters long and include uppercase letters, lowercase letters, numbers, and a special character (like ! or #). Write this password down in a safe place — Citi cannot retrieve it for you, only reset it.
After you create your password, Citi will ask you to set up a security question and answer. This is used to verify your identity if you call customer service or need to reset your password. Choose a question you will remember the answer to, and avoid questions with answers that are straightforward to guess or find online.
Resetting a forgotten password
If you forget your password, go to citibank.com and click "Log In," then select "Credit Cards." Below the login fields, you will see a link that says "Forgot Password?" Click it and enter your card number. Citi will then ask you to verify your identity using either your email address or your phone number.
If you choose email, Citi will send you a link to reset your password. Check your inbox and spam folder — the email usually arrives within a few minutes. Click the link and create a new password following the same rules as before (8 characters, uppercase, lowercase, numbers, and a special character).
If you choose phone verification, Citi will send a one-time code to the phone number on file with your account. Enter that code on the screen, and you will be taken to a page where you can create a new password. If the phone number on file is incorrect or you do not receive the code, call the number on the back of your card and speak with a representative.
Troubleshooting login problems
If you enter your card number and password but the system says they are incorrect, first check that you are using the right card number. The Costco Citi Visa card number is 16 digits long and printed on the front of the card. Make sure you did not accidentally type a space or skip a digit.
If your card number is correct but your password is not working, try resetting your password using the "Forgot Password?" link described above. If you reset your password and still cannot log in, your account may be temporarily locked due to multiple failed login attempts. Wait 24 hours and try again, or call the number on the back of your card to unlock it when ready.
If you are using a public or shared computer, clear your browser's cache and cookies before logging in. Sometimes old login data stored on the computer can cause errors. You can also try logging in from a different device or browser to see if the problem is specific to your computer.
Paying your bill after you log in
Once you are logged in, your account dashboard will show your current balance and your payment due date. To make a payment, click "Make a Payment" or "Pay Now" — the exact wording depends on which version of the Citi website you see. You will be asked to enter the amount you want to pay and the date you want the payment to be processed.
Citi offers three payment methods: from a bank account (ACH transfer), by debit card, or by wire transfer. Paying from a bank account is free and usually takes one to two business days. Paying by debit card or wire transfer may have a fee. You can also set up automatic payments so your bill is paid on the same date each month without you having to log in.
If you pay by bank transfer and want the payment to arrive by your due date, submit it at least two business days before the due date. Payments submitted on a weekend or holiday will be processed on the next business day.
Finding your Costco Cash rewards
Your Costco Cash rewards appear on your account dashboard as soon as they are earned. Look for a section labeled "Rewards" or "Costco Cash" — it will show your current balance and how much you have earned so far in the current year. The Costco Citi Visa card earns 4% back on gas, 3% back on restaurants and travel, 2% back on Costco purchases, and 1% back on all other purchases.
Costco Cash is automatically deposited into your Costco account once a year, usually in January. You do not need to do anything to claim it — it will straightforward appear as a credit in your Costco membership account. You can use it to buy anything at Costco or on Costco.com. If you are not sure whether your Costco Cash has been deposited, log into your Costco membership account at costco.com and check your account balance.
Downloading statements and tax documents
After you log in, you can read statements for any month going back several years. Look for a section called "Statements" or "Documents" on your dashboard. Select the month and year you want, and Citi will generate a PDF file that you can save to your computer or print.
If you need a statement for tax purposes or to prove your income, you can also request a letter from Citi. Call the number on the back of your card and ask for a "verification of account" or "account summary letter." Citi will mail it to you within 5 to 10 business days, or you may be able to read it from your online account.
Frequently Asked Questions
Can I log in to my Costco Citi Visa account on the Costco app?
No. The Costco app does not have a credit card login. You must go to citibank.com and log in through Citi's website. You can bookmark the Citi login page in your phone's browser to make it easier to find next time.
What should I do if I think someone else is using my account?
Log in to your account and check your recent transactions. If you see charges you did not make, call the number on the back of your card when ready. Citi will freeze your account and investigate the unauthorized charges. You are not responsible for fraudulent charges, but you must report them as soon as you notice them.
Do I need to log in to my Citi account to use my Costco Citi Visa card in a store?
No. You can use your card to pay at Costco or anywhere else without logging in online. Logging in is only necessary if you want to view your balance, pay your bill, or check your rewards.
Can I change my password after I have created it?
Yes. Log in to your account, look for "Settings" or "Security," and select "Change Password." You will be asked to enter your current password and then create a new one. The new password must follow the same rules as your original password.
What if I do not have an email address or phone number on file with Citi?
Call the number on the back of your card and speak with a representative. They can update your contact information and help you reset your password over the phone. You will need to verify your identity by providing your card number, the last four digits of your Social Security number, and your date of birth.