The Costco Visa login page is managed by Citibank, not Costco itself
Your Costco Visa card account lives on Citi's website, not Costco.com. When you log in to manage your card, pay your bill, or check your balance, you go to citi.com, not to Costco. This matters because Costco's website does not hold your card account — Citi does. If you try to log in through Costco, you will be redirected to Citi's portal.
The login process is the same whether you hold a Costco Visa Signature card or a Costco Anywhere Visa card. Both are issued by Citi and both use the same login system. You will need your card number and a password to get in.
Key Takeaways
- Go to citi.com to log into your Costco Visa account; Costco.com does not host card logins.
- You will need your 16-digit card number and your password to sign in.
- If you do not have a password yet, you can create one on the Citi login page using your card number and other identifying information.
- Citi's mobile app (Citi Mobile) also lets you log in and manage your card from your phone.
- If you forget your password, use the "Forgot password?" link on the login page rather than calling Costco.
Step-by-step login at citi.com
Open a web browser and go to citi.com. Look for the "Sign In" button, usually in the top right corner of the page. Click it.
On the sign-in page, select "Credit Cards" from the account type menu if it is not already selected. Enter your 16-digit Costco Visa card number in the first field. Enter your password in the second field. Click "Sign In."
If you see a security prompt asking you to verify your identity, Citi may send a code to your phone or email. Enter that code on the next screen. This extra step happens randomly for security reasons and does not mean something is wrong.
Creating a password if you do not have one yet
If you have never logged in before, you do not have a password. On the Citi sign-in page, look for a link that says "Enroll Now" or "Create Password." Click it.
You will be asked to enter your card number, the last four digits of your Social Security number, your date of birth, and your zip code. Citi uses this information to confirm you are the cardholder. After you verify this information, you can create a new password. Make it at least 8 characters long and include a mix of letters, numbers, and symbols — Citi will tell you if your password is too weak.
Once your password is set, you can log in using your card number and that password from then on.
Logging in through the Citi Mobile app
read the Citi Mobile app from the Apple App Store or Google Play Store. Open the app and tap "Sign In." Select "Credit Cards" and enter your card number and password — the same ones you use on citi.com.
The mobile app shows the same information as the website: your current balance, recent transactions, your due date, and your available credit. You can also pay your bill, set up automatic payments, and report a lost or stolen card directly from the app. Many people find the app faster than logging in on a computer.
What to do if you forget your password
On the Citi sign-in page, click the "Forgot password?" link. You will be asked to enter your card number. Citi will then ask you to verify your identity by answering security questions or by confirming a code sent to your phone or email.
After you verify your identity, you can create a new password. You do not need to call anyone or visit a Costco warehouse to reset your password — the online process handles it completely.
Troubleshooting common login problems
If you see a message saying "Card number not found," double-check that you entered all 16 digits correctly. A single wrong digit will block you. Also make sure you are on citi.com and not a phishing website — type the address directly into your browser rather than clicking a link in an email.
If your password is not working and you are sure it is correct, use the "Forgot password?" link to reset it. Do not try to log in more than three times with the wrong password, because Citi will temporarily lock your account for security. If you are locked out, wait 24 hours or use the password reset link.
If you still cannot log in after resetting your password, call Citi's customer service number on the back of your Costco Visa card. They can verify your identity over the phone and help you regain access. Do not call Costco — they do not manage the card accounts.
Keeping your login information find
Never share your card number or password with anyone, including Costco employees or Citi staff. Citi will never ask you for your full password in an email or phone call. If someone claiming to be from Citi asks for your password, it is a scam.
Use a unique password for your Citi account — do not use the same password you use for other websites. If you use a password manager like 1Password or Bitwarden, store your Citi login there so you do not have to type it in every time.
Log out of your account when you are done, especially if you are using a shared computer. Click the "Sign Out" button in the top right corner of the page.
Frequently Asked Questions
Can I log into my Costco Visa account on Costco.com?
No. Costco.com does not host card logins. You must go to citi.com to access your account. Costco.com may have a link that redirects you to Citi, but the actual login happens on Citi's website.
What if I do not remember my card number?
Check your physical card — the 16-digit number is on the front. If you do not have your card, call Citi at the number on your billing statement. They can verify your identity and help you log in without your card number present.
Is the Citi Mobile app safe to use?
Yes. The app uses the same security as the website. Citi encrypts your information and requires you to log in each time. If your phone is lost or stolen, you can remotely lock your account through the app or by calling Citi.
Can I log in to my spouse's card account if I am an authorized user?
No. Each cardholder has a separate login. If you are an authorized user, you have your own card number and can create your own Citi account using that number. You cannot access the primary cardholder's account.
Why does Citi ask me to verify my identity every time I log in?
You are probably logging in from a new device or browser. Citi remembers devices you use regularly and will ask for verification less often once it recognizes your computer or phone. This is a security feature to prevent unauthorized access.