11 Little Costco Tricks Every Member Should Try

SAVING & SPENDING - SAVE MONEY
Get more out of your membership with these tricks that can help on your next Costco run.
Updated April 16, 2024
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Costco logo at the store

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Costco is a great place to boost your bank account while shopping for your daily or weekly needs.

Some members like to get good deals on non-perishable items or pick up a sheet cake from the bakery for a special occasion.

Here are some tricks to maximize your savings and your time before your next Costco run.

Earn 2% cash rewards at grocery stores and Costco

The Wells Fargo Active Cash® Card(Rates and fees) is a powerful rewards card that allows you to earn unlimited 2% cash rewards on purchases — including on groceries, even at warehouse stores like Costco.

New cardholders can also earn a one-time cash rewards bonus — $200 cash rewards bonus after spending $500 in purchases in the first 3 months!

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This card also offers an intro APR of 0% for 15 months from account opening on purchases and qualifying balance transfers (then 20.24%, 25.24%, or 29.99% Variable). Which is great for someone who wants a break from high interest rates, while still earning rewards.

The best part? There's no annual fee.

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Take advantage of price changes after you buy

dennizn/Adobe hand holding Costco receipt

What happens if you see something on sale that you already bought? Costco will adjust the price upon request within 30 days of your purchase.

Check out Costco’s website for details, including how you can apply for the discount. You can ask on the company’s website or at the customer service desk to get the sale price for the item you bought.

Check the sales ads

sharafmaksumov/Adobe Costco website

Costco sends its members a sales booklet each month with plenty of deals on different foods, electronics, clothing, and more.

You may want to look it over before you go shopping to see if there are any items you want to add to your list or specific things you’ve been waiting to go on sale so you can get a good deal.

Organize your shopping list by aisle

Voy_ager/Adobe Warehouse storage of retail merchandise shop

If you’ve been to your local Costco, you may know where certain items are, like frozen foods, non-perishables, medication, books, and (of course) the rotisserie chicken.

If you make your shopping list ahead of time and put all the items in order, you can minimize the amount of time you’ll need to get in and get out.

This list method may be especially helpful if you’re shopping after work or only have a specific amount of time to weave your way through the large store.

Stop overpaying when you shop online at Costco

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Track your annual Costco spending

MelissaMN/Adobe hand holding a Costco Wholesale Executive Membership card

Costco offers two different types of memberships, depending on your needs. The Costco Gold Star and Business memberships each cost $60, while an Executive membership costs $120.

That extra cost for an Executive membership, however, could save you money depending on how much you spend each year at Costco or if there are additional discounts you can receive at the higher level. For example, with an Executive membership, you earn 2% back on your qualified Costco purchases, up to $1,000 in rewards every 12 months.

So keep track of your annual spending to see if upgrading can help you save money.

Explore Costco services

Sundry Photography/Adobe busy Costco Wholesale location in San Francisco Bay Area

Your Costco membership doesn’t just get you discounts on chicken, crackers, or soda. It can also save you money with things you can’t find on the store’s shelves.

For example, Costco Travel can help you save money or get extra discounts on any number of vacations, including trips to Disney resorts. And Costco’s auto program can get you deals on a new vehicle from a local dealership.

Pro tip: You might be able to save even more when you book a trip with the best travel credit cards.

Find deals on prescription drugs

ColleenMichaels/Adobe Aleve liquid gels for sale inside a Safeway grocery store

Costco’s prescription drug policy can help you save cash on generic drugs or name-brand prescriptions. You can either pick them up at your local Costco or have them delivered right to your door.

Remember to also check on prescription drugs for your furry friends. Some of the more common drugs for your pets may be cheaper at Costco than at other pharmacies.

Get your eyewear from Costco

Production Perig/Adobe young attractive woman testing new glasses with optician

You can get eyewear like glasses or contact lenses from Costco that may be more affordable than your local eye doctor. Check the prices at your local Costco to see how much you can save.

You might also want to see if your Costco offers eye exams, which could cost less than your typical eye doctor appointment.

Order a pizza before you shop

Courtesy of Costco Costco food court pizza

One of the great things about Costco is its food court, especially its cheap hot dog deal with a drink. But if you’re heading to Costco after work, you may also want to stop by the food court for some pizza as well.

Go to the food court before you start shopping to put in your order for a pizza for your family. Costco’s dedicated food court staff can get it ready for you while you walk through the aisles.

Then all you have to do is pick up your hot pizza on the way out the door to make your whole family happy.

Take advantage of delivery

Erik González/Adobe Costco store

Are you stuck at home, or you just don’t want to deal with the crowds at Costco? Consider using your Costco membership to buy non-perishable foods and household items online with two-day shipping.

You can also check to see if your local Costco offers same-day delivery on groceries if you’re ordering meat or perishables or want a fresh rotisserie chicken at your door.

Get a protection plan on all your appliances

Did you know if your air conditioner stops working, your homeowner’s insurance won’t cover it? Same with plumbing, electrical issues, appliances, and more.

Whether or not you’re a new homeowner, a home warranty from Choice Home Warranty could pick up the slack where insurance falls short and protect you against surprise expenses. If a covered system in your home breaks, you can call their hotline 24/7 to get it repaired.

For a limited time, you can get your first month free with a Single Payment home warranty plan.

Get a free quote

Buy non-perishable items on sale

Sarah Rypma/Adobe Grocery cart with toliet paper

Things like hand soap, paper towels, and toilet paper aren’t going to expire if you don’t use them within a certain amount of time. So stock up if you see them on sale so you can save some extra cash and be prepared for when you need more paper towels.

Pro tip: A great Costco hack is to buy Costco’s in-store brand Kirkland Signature. Items with this brand may be cheaper than name-brand versions and cost less, which can save you money.

Cash in on gas station discounts

Andriy Blokhin/Adobe petroleum at Costco store

Costco can get you discounts on gas, which can be helpful when gas prices are higher than they have been. You may be able to save money on gas at Costco, making it cheaper than other local gas stations.

Bottom line

IanDewarPhotography/Adobe Costco Wholesale store

There are great ways to save money, and time, the next time you go to Costco. It's one of the great reasons the warehouse retailer is so popular. 

Remember to check your wallet for the best credit cards for Costco and make sure you stop by the food court on the way out to get a treat for yourself.

Lucrative, Flat-Rate Cash Rewards

5.0

Wells Fargo Active Cash® Card

Current Offer

$200 cash rewards bonus after spending $500 in purchases in the first 3 months

Annual Fee

$0

Rewards Rate

Earn 2% cash rewards on purchases

Benefits and Drawbacks
Card Details

Author Details

Jenny Cohen Jenny Cohen is a freelance writer who has covered a bit of everything, from finance to sports to her favorite TV shows. Her work has been featured in The Wall Street Journal, USA Today, and FoxSports.com.

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