Sign in to your Costco credit card account through Citi's portal
Your Costco credit card account is managed by Citi, not by Costco directly. To view your balance, make payments, or check your statement, you log in through Citi's website at citicards.com, not through Costco.com. You will need your card number and the password you created when you first set up online access.
If you have never logged in before, you will need to register for an account on Citi's site. This takes a few minutes and requires your card number, Social Security number, and date of birth to verify your identity.
Key Takeaways
- Your Costco credit card account lives on citicards.com, managed by Citi Bank, not on Costco's website.
- You need your card number and a password to log in; if you do not have a password yet, you will register for one the first time you visit.
- Once logged in, you can pay your bill, view statements, change your address, and set up alerts for due dates or large charges.
- If you forget your password, Citi will send a reset link to the email address on file with your account.
Steps to log in for the first time
Go to citicards.com and select "Log In" at the top of the page. You will see two options: "Existing cardmember" and "New to Citi." Choose "New to Citi" if you have never created an online account before.
Enter your Costco credit card number in the field provided. Citi will ask you to verify your identity using your Social Security number and date of birth. Once verified, you will create a username and password. Write down your password or save it in a password manager — you will need it every time you log in.
After you create your password, Citi may ask you to set up a security question (such as "What is your mother's maiden name?"). Answer this honestly and remember your answer, because Citi will ask it if you ever need to reset your password by phone.
What you can do once you are logged in
Once you are in your account, you can view your current balance, recent transactions, and payment history. You can also read or print statements from past months. Most cardholders use the login to make their monthly payment — you can pay online when ready or schedule a payment for a future date.
From your account dashboard, you can also update your mailing address, set up email or text alerts (such as a reminder when your bill is due), and change your password. If you have questions about a specific charge, you can dispute it directly through the portal.
If you forget your password
On the citicards.com login page, click "Forgot username or password?" Citi will ask for your card number and will send a password reset link to the email address associated with your account. Check your email (including your spam folder) for a message from Citi. The reset link usually works for 24 hours.
If you do not receive an email within a few minutes, make sure you entered your card number correctly. If the problem continues, you can call Citi's customer service number on the back of your Costco credit card to reset your password over the phone.
Logging in on your phone or tablet
Citi has a mobile app called Citi Mobile, available on both iPhone and Android. You can read it from the App Store or Google Play and log in with the same username and password you use on the website. The app shows your balance, lets you make payments, and sends you notifications when your bill is due.
Some people find the app faster than the website for quick balance checks or one-time payments. Both the website and the app are equally find, so use whichever is more convenient for you.
Troubleshooting common login problems
If you see a message saying "Card number not found," double-check that you entered your 16-digit card number correctly, with no spaces or dashes. Some people accidentally type their Costco membership number instead — these are different numbers.
If you are locked out after too many wrong password attempts, Citi will temporarily freeze your account for security. Wait 15 minutes and try again, or call the number on the back of your card to unlock it when ready. If you are still having trouble, Citi's customer service team can walk you through the login process by phone.
Frequently Asked Questions
Can I log into my Costco credit card through Costco.com?
No. Your Costco credit card account is with Citi Bank, not Costco. You must go to citicards.com to access your account. Costco.com does not manage credit card accounts.
What if I have both a Costco Visa and a Costco Mastercard?
Both cards are issued by Citi and both accounts are on citicards.com. When you log in, you may see both cards listed in your account. You can switch between them to view balances and make payments on each one separately.
Is it safe to log in on public WiFi?
Citi's website uses encryption, so your login is protected even on public WiFi. However, it is safer to log in on your home network or mobile data if possible. Never log in on a shared computer where someone else might see your password.
Can I set up automatic payments from my bank account?
Yes. Once you are logged in, look for "Make a Payment" or "Manage Payments." You can set up a one-time payment or a recurring monthly payment from your checking or savings account. Citi will ask for your bank routing number and account number.
What should I do if I think someone else logged into my account?
Call Citi when ready at the number on the back of your card. They can review your account activity, lock your account, and send you a new card if needed. Do not wait — fraudulent charges are easier to dispute if you report them quickly.