Published on July 18th, 2016 | by Chuck30
Can I Product-Change my Citi Card to the New Costco Credit Card?
Many readers have been asking whether it’s possible to product change a different Citi card to the new Costco card from Citi. As of now, it appears that it’s not possible to do so.
Many want to do a product change to the Costco card as an easy way to get the card with no hard pull. The card doesn’t have a signup bonus anyway, so we might as well just change over to the card from a different unused card, e.g. a card that has an annual fee which you’re planning on getting rid of.
The Costco credit card has its perks, including 4% back on gas (max $7k) and 3% back on restaurants.
It might be that it’s too early to do a product change to the Costco card since it’s new; in the past, we’ve seen this with other new cards. There’s a good chance, however, that they aren’t allowing product changes as a matter of policy. Perhaps Citi regards the Costco card as a store card which isn’t eligible to get via product change.
The bottom line is that it’s currently not possible to product change to the Costco card. If you hear a change on this in the future, please let us know.
Citi is typically very easy about allowing product changes so long as the old card has already been opened for 12 months, see Best Downgrade Options & Rules For Each Card Issuer for more details. Even product changing from one card line to another is possible, e.g. from an AA card to a ThankYou card, but some reps think that it can’t be done, and you may have to call multiple times to get it done.