Costco Membership Cost Explained: Which Plan Is Right for You?
Costco membership starts at just $65 per year, offering access to all warehouse clubs and online savings. The Gold Star Membership includes a free Household Card, ideal for families who want everyday savings on groceries, electronics, pharmacy items, and fuel—all backed by Costco’s value promise.
Premium Costco Executive Membership costs $130 per year and enhances the experience with a 2% cashback reward (up to $1,000/year), plus exclusive savings on Costco Travel, auto and home insurance, and more services available only to Executive tier members.
Explore Membership OptionsTypes of Costco Memberships
Costco offers three main types of memberships, each designed to suit different shopping needs from everyday household use to business and bulk resale purposes.
Gold Star Membership
Gold Star Membership is the standard plan for individuals and families, priced at $65 per year. It grants access to all Costco warehouse locations, gas stations, and online shopping. Members also enjoy savings on food court items and everyday essentials, including groceries, appliances, and brand-name products.
Executive Membership
Executive Membership is an upgraded option at $130 annually. It includes all the benefits of the Gold Star plan, plus a 2% cashback reward on eligible purchases, up to $1,250 per year. This plan is ideal for frequent Costco shoppers looking to maximize their savings over time.
Business Membership
Business Membership is also priced at $65 per year but is designed specifically for business owners and office managers. In addition to standard access and savings, this plan allows product resale, making it suitable for resellers and small businesses. Additional cardholders can also be added to manage multiple buyers.
Discounted Memberships
Costco occasionally offers value-added bonuses rather than price reductions. These promotions are often offered to military personnel, students, and employees of participating corporations.
| Discount Type | Cost | Benefits | Duration |
|---|---|---|---|
| Military Bonus | $65 (standard) | $20–$40 Digital Shop Card | Upon sign-up |
| Student Offers | $65 (standard) | Gift cards or coupon bundles | Limited-time deals |
| Employer Perks | Varies | Discounted membership or bonuses | Employer-dependent |
Membership discounts are also occasionally bundled with Costco Cash Cards—prepaid cards that allow non-members to shop in-store, further enhancing the appeal of signing up.
Hidden Fees and Policies
Costco maintains a transparent membership structure with no hidden fees or surprise charges. Members enjoy flexible terms, easy cancellation, and clear renewal policies.
| Type of Cost | Cost Amount | Notes |
|---|---|---|
| Membership Duration | $65–$130 annually | Valid for 12 months from the sign-up date. |
| Renewal | $65 (Standard), $130 (Executive) | Same as original fee; charged annually unless canceled. |
| Additional Users | $65 per cardholder | Only available for Business Members. |
| Upgrade | Additional $65 | Switch to Executive anytime; includes 2% annual rewards. |
| Tax Form (Business) | Varies | Required for Business Members claiming resale tax exemption. |
Costco Membership Benefits
A Costco membership unlocks a wide range of benefits that go beyond bulk savings. Members gain access to exclusive products, essential services, and everyday perks that add substantial value.
Bulk Pricing and Exclusive Brands
Costco members enjoy significant savings through bulk pricing on groceries, electronics, appliances, and home essentials. In addition, the warehouse offers exclusive access to Kirkland Signature, Costco’s private-label brand known for its exceptional quality and affordability.
Travel, Auto, and Prescription Services
Costco members enjoy exclusive savings on vacation packages, hotel stays, and cruises through Costco Travel. The Auto Program provides pre-negotiated pricing on new cars and automotive services. Members also save on prescriptions, eye exams, and eyewear at Costco’s pharmacy and optical centers.
Executive Member Perks
Executive members receive elevated benefits designed for frequent shoppers. The tier includes 2% annual cashback on qualified purchases, up to $1,250 per year. In addition, Executive members enjoy priority customer service and access to deeper discounts on travel, insurance products, and Costco Services.
Additional Everyday Services
Each Costco membership includes a free household card, allowing another family member to enjoy full benefits. Members can order online, fuel up at discounted gas stations, and access tire services like installation and rotation. The food court stands out with its affordable, high-quality meals that offer unmatched value and convenience.
Flexible Payment Options
Costco supports a wide range of payment methods to meet members’ preferences. In-store, Visa credit cards are accepted exclusively. For online purchases and services like Costco Travel, members can use Mastercard or American Express where applicable. Debit cards, cash, and Costco Shop Cards are also accepted across most locations, providing flexibility at checkout.
How to Sign Up for a Costco Membership (Step by Step Guide)
Signing up for a Costco membership is simple, whether you’re joining online or in-store. Follow these easy steps to get started and enjoy full access to Costco’s deals and services. Make sure to keep an ID ready when visiting a warehouse.
Visit Costco’s Official Website
Go to Costco.com and click on the “Membership” tab. You’ll find full details on all membership levels along with pricing and benefits.
Choose Your Membership Type
Pick between Gold Star, Executive, or Business depending on your shopping habits. You’ll also see side-by-side comparisons to help you decide.
Create or Log In to an Account
Sign in using your existing Costco account or create a new one. You’ll need to provide basic contact information like your name, email, and address.
Enter Payment Details
Pay for the selected membership using your preferred debit or credit card. Visa is the only credit card accepted online and in-store at Costco.
Select Your Warehouse Pickup Location
Choose the Costco location nearest you to collect your membership card. This also becomes your home warehouse for personalized deals and services.
Pick Up Your Membership Card
Visit the warehouse you selected, head to the Membership Counter, and show your ID. Costco will take your photo and issue your physical card immediately.
How to Save on Membership
Costco provides several strategies to help members lower their overall membership cost or earn it back through rewards and offers.
Executive 2% Rewards
Costco’s Executive Membership includes a 2% cashback reward on eligible purchases, with an annual earning potential of up to $1,250. This reward structure allows frequent shoppers to recover the full cost of their membership—and in some cases, earn more.
Promo Codes and Online Offers
Limited-time promotions often provide valuable sign-up perks, such as $20 to $40 Costco Shop Cards or exclusive discounts. These offers are usually available through third-party platforms or directly on Costco’s website during key sales seasons.
Join Through Employers or Groups
Some companies and organizations offer Costco memberships at discounted corporate rates. In many cases, employees can receive free memberships, additional household cards, or other perks by signing up through their workplace or affiliated groups.
Black Friday and Seasonal Deals
During events like Black Friday or New Year promotions, Costco typically releases heavily discounted membership offers. These limited-time campaigns are ideal for first-time members looking for a high-value entry point.
Credit Card Cashback Pairing
Members using the Costco Anywhere Visa Card by Citi can earn additional cashback on Costco purchases, travel, dining, and gas. When combined with Executive rewards, this dual-cashback system significantly boosts annual savings.
Costco Available Locations
Costco operates over 900 stores globally, including over 600 in the U.S.
While Sam’s Club, BJ’s Wholesale Club, and other warehouse stores also operate nationwide, Costco’s expansion into international markets has made it a global player in the warehouse club industry.
Costco Opening Hours
Costco stores are typically open from 10:00 a.m. to 8:30 p.m. on weekdays, 9:30 a.m. to 6:00 p.m. on Saturdays, and 10:00 a.m. to 6:00 p.m. on Sundays.
| Day | Opening Hours |
|---|---|
| Monday–Friday | 10:00 a.m. – 8:30 p.m. |
| Saturday | 9:30 a.m. – 6:00 p.m. |
| Sunday | 10:00 a.m. – 6:00 p.m. |
Some locations offer early shopping hours exclusively for Executive members, allowing them to access the warehouse before standard opening times. These extended hours provide added convenience for frequent shoppers.
Frequently Asked Questions
How much does a Costco membership cost?
Memberships start at $65 per year. Executive memberships cost $130.
How to get a Costco membership?
Sign up online at Costco.com or visit a local warehouse.
Is a Costco membership worth it?
Frequent shoppers and families benefit the most through savings and cashback.
Can you get into Costco without a membership?
You can shop with a Costco Shop Card or use the pharmacy in some states.
How much is Costco membership renewal?
Renewal fees are the same as initial membership costs: $65 or $130.
Why can’t I verify my Costco membership on the app?
This issue is usually linked to login errors or app glitches. Try reinstalling or contacting support.
Can you gift a Costco membership?
Yes, Costco offers gift membership cards for new sign-ups.
Do Costco employees get a free membership?
Yes, employees receive a complimentary Gold Star membership.
Do I need a Costco membership for the food court?
Yes, most locations now require a valid membership to access food court purchases.
Do I need a Costco membership for optical?
You need a membership to buy eyewear, though eye exams may be available to non-members.
Can I downgrade my membership online?
Most downgrades must be handled in-store or via customer service.
Can I use the pharmacy without a membership?
In some states, yes. Pharmacy laws permit access regardless of membership.
How many people can use one membership?
Each account allows one primary cardholder and one household cardholder.
Can I apply online?
Yes, you can join Costco through their official website.