A Costco card gets you through the door, but the real savings come from knowing the fine print. Not all perks are obvious, and some policies may surprise even experienced members. Understanding the overlooked details is key. So, here are 10 important membership facts that could make your next shopping trip more cost-effective.
Photo ID And Membership Card Required For Entry
To enter, you’ll need a valid membership card—and if it doesn’t have a photo, bring a matching photo ID. Staff checks closely at the entrance, so if you forget either one, your shopping plans are on hold. It’s a quick step that helps keep things safe and fair for everyone.
Executive Members Get 2% Back
The Executive membership offers a valuable benefit: 2% cash back on most purchases made throughout the year. Frequent shoppers and bulk buyers often find that the annual reward easily covers the additional cost of the upgraded membership, making it a smart choice for maximizing value.
Only The Member Can Pay
Only the member named on the card is allowed to complete the payment. Even when shopping with family or friends, the final checkout must be handled by the cardholder. This policy helps prevent misuse and ensures the membership is used correctly.
Generous But Monitored Return Policy
Returning items is straightforward and hassle-free, as most products are covered by a liberal return policy. However, if returns become excessive or suspicious, they may flag your account and even restrict your membership to prevent abuse.
Non-Members Can Shop With A Gift Card
Even if you don’t have a membership, you can shop by using a Costco gift card. Just have a member buy one for you first. It’s a handy workaround when you want to grab something without signing up for a full membership.
Membership Renewal Timing Matters
Memberships expire exactly one year from the month you joined, not the date you last shopped. If you let it lapse, Costco may back-charge for missed months or reset your rewards eligibility. Renewing early helps you avoid service gaps and ensures uninterrupted benefits.
Non-Members Pay More Online
Without a membership, you’ll pay a 5% surcharge on most items sold at Costco.com. Certain member-only deals and limited-time offers are also locked behind the paywall. While guest checkout is available, the added costs can quickly outweigh the price of an annual membership.
Two Household Cards Are Included
Every primary member can add one other household member over 18 who lives at the same address—free of charge. That second person gets their own card and can shop independently. It’s a valuable benefit included with the basic membership that many overlook.
You Can Upgrade Anytime During The Year
If you start with a standard Gold Star membership but decide to go Executive later, you don’t have to wait. You can upgrade mid-year and still earn the 2% reward retroactively from the beginning of your membership term. Just ask at the service desk.
Business Members Can Add People For A Fee
Business members can add up to six additional cardholders to their account for $65 each per year. This setup is ideal for businesses needing multiple shoppers. Each added member gets their own card, and purchases still qualify toward the business’s reward program totals.
