If you have a Costco Citi Card, or any of the many other CITI Credit Cards, you may be concerned that the annual fee may be higher than normal. Many people also worry about the annual percentage rate (APR). They may be thinking if they should pay this extra money every year for their credit card company. After all, if it is so expensive why would I want to pay it? Here are some things to consider before agreeing to the annual fee and APR.
Many times when we think of a Costco Citi Card, we think of it as a great value card. We also believe that the Costco card company is one of the best companies in the business. Many people find their Costco CITI Credit Cards to be far more reliable than other credit cards. And, of course, a Costco CITI card has a no hassle cash advance option, which eliminates the need to pay a separate fee each time you need to make a cash advance.
What you do not know is that the CITI Credit Card company charges an extra fee for its no hassle cash advance options. The thought that a company such as Costco would charge a cash advance fee for its credit cards may seem outrageous. However, this cash advance fee is in fact included in the yearly membership fee, not charged separately. Therefore, the card company has an obligation to pass on this cost to you, the card holder. And this cost can often be much higher than the actual cash advance fee.
You also should be aware that there can be a foreign transaction fee if you use your card abroad. The cost of the foreign transaction fee is not included in the yearly membership fee. This fee is charged for any foreign transactions you conduct with your card. So, be sure to read the fine print of any agreement you sign with a foreign merchant service provider. These types of fees can vary widely and it is best to contact several companies before deciding which Costco CITI card to get.
One important point to remember is that Costco CITI cards are issued by BankFirst, a division of Citibank. Costco's official website does not include information about any other credit card or charge card provider. If you check out the annual fees of other companies, you may find some that are similar to Costco. Be sure to look at the different charges separately. A Costco representative may be able to help you get a better idea of what you can expect for this fee. In addition, be aware that the CITI card company may have special fees unrelated to the CITI credit card.
If you are a business owner and you use a Costco CITI card abroad, you should know that in many cases your business will be treated like a personal card. This means that any purchases you make will incur a foreign transaction fee. In some cases, the CITI card company will waive the fee altogether. Other card companies charge an annual fee for all transactions in the foreign country. The CITI card company does not charge any fees for personal purchases.
You can avoid a potentially costly fee by ensuring that the dollar amount of the CITI card you purchase is at least the amount you would spend if you purchased the same item in the United States. In some cases, if you purchase merchandise at a Costco location overseas, you may receive a Voucher, which can then be cashed in for the purchase price of the item in the United States. The cost savings will depend on the exchange rate. In addition, you should be aware that some merchants in other countries may not accept a CITI card.
Your card company may also charge a one-time, non-refundable fee for certain types of credit card transactions when you use your CITI card abroad. The CITI card company may also charge a daily service fee for transactions in foreign countries. In addition, if you choose to carry a cash note with your CITI card, a one-time fee may be required. You should be aware of these charges when you are deciding whether or not to use your CITI card abroad.
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