10 Valuable Costco Services Even Most Members Don't Know About

Costco is your favorite one-stop shop for fresh food and baked goods. But did you know that you can also rely on Costco for many other life essentials?

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Updated June 6, 2024
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Costco is known for being the best place to save on your family’s food, medication, and other household needs, but did you know that Costco also offers an array of other less obvious services?

As a Costco member, you can access more than savings on everyday essentials. For example, I ended up saving on my car insurance by switching policies through Costco.

Looking for even more savings? No problem — there are likely other Costco services that you can benefit from. Let’s go through some of our favorites.

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!

If you’re looking for a powerful rewards card that offers an extended intro APR period, look no further, the Wells Fargo Active Cash® Card checks that box too!

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.

Click here to apply for the Wells Fargo Active Cash® Card now.

Pet insurance

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Pet insurance is gaining in popularity among owners who are looking for ways to protect themselves and their beloved pets from high veterinary costs.

Here's a great Costco membership perk: Costco members receive 15% discount on pet insurance, where available.

The pet insurance is provided through Figo, and one great thing about this service is that it also offers the opportunity to talk to a live vet online, 24 hours a day, seven days a week.

Home and installation services

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Costco offers some services that could help you with your renovation needs. If you’re shopping around to find an installer for your new flooring, windows, or even an HVAC system, don’t forget to also obtain a quote through your local Costco warehouse.

Costco partners with local installers to offer its customers great deals on what are often the most expensive parts of any home renovation.

Also, if you’re planning to buy a major appliance at Costco, remember that they offer installation, too. This includes dishwashers, fridges, freezers, stoves, hoods, and more.

Hearing tests and aids

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Here’s something that might surprise you: Costco is a popular individual retailer of hearing aids.

So what makes Costco customers so happy with their hearing aids? For one thing, the in-house Kirkland brand of hearing aids is renowned for its sound clarity and overall quality.

What’s even more important is the brand’s affordability. Cost is especially key since many insurance plans do not offer any funding help for hearing aids.

Stop overpaying when you shop online at Costco

Shopping online has its perks. It's super convenient, but it can be time consuming to find the best deals. Instead of hunting for coupon codes (that don't always work!) and opening tons of browser tabs comparing prices, you can try Capital One Shopping.

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Capital One Shopping is free to use and won't show you ads. Add it today and stop overpaying!1

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jwohlfeil/Adobe pen writing a check

Although the world is becoming increasingly less dependent on cash and checks, it doesn't mean there aren't still times when you need them.

Instead of making a trip to your local bank, you can easily order checks online through Costco's provider Harland Clarke.

Costco executive members can save an additional 20% on the cost of checks, and you can order both business and personal checks.

Auto and home insurance

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Most Americans spend big bucks on auto and home insurance. It can cost $5,000 a year or more just to cover these two expenses, so it makes sense to check out retailers like Costco, where you could potentially save money.

Costco offers both car insurance and home insurance. They also offer other insurance plans like renter’s insurance. Their insurance offerings are underwritten by American Family Insurance and receive rave reviews from consumers.

Life insurance

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Your home and car aren’t the only things that need to be insured. If you’re on the hunt for affordable life insurance, don’t forget that there are options available through Costco.

Costco offers life insurance exclusively to its members through Protective, and they make it very easy to adjust your policy as necessary.

Auto buying program

standret/Adobe young african american woman in glasses stands in the car salon

Costco’s auto buying program might not be well known, but it’s certainly not new. In fact, it's been around for 30 years.

Costco itself doesn’t buy cars. Instead, it offers cars through select franchised car sellers at a reduced cost to its members. Many shoppers who buy a car through this program enjoy the fact that they don’t have to get tangled up in negotiation as they would through the traditional buying process.

Garage doors

Michael O'Keene/Adobe  automatic garage door opener repair service technician

We are living in an age when you can learn how to do just about anything yourself on YouTube, but one thing most people should never try to DIY is a garage door installation. Not only is it incredibly hard to do, but it also has a high failure rate, which can result in negative consequences.

Fortunately, Costco offers garage door installations through Amarr and LiftMaster. It’s easy to begin the purchase of a garage door installation by simply calling and asking for a free, at-home installation quote.

Home solar panels

anatoliy_gleb/Adobe technicians installing heavy solar photo voltaic panels to high steel platform

There are many reasons to install solar panels on your home, and whether your motivating factor is the environment or your monthly budget, Costco can help you with custom installation.

Costco offers solar panels through Sunrun, which is notable for being one of the biggest solar panel providers in the country. Costco offers its members a 10% Shop Card on the purchase of Sunrun equipment.

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


06photo/Adobe passenger In the Malaysia airport

This is one of the more well-known services on this list, but if you’re not aware that Costco has a travel program, welcome to the first day of the rest of your life.

Costco offers its members exclusive pricing on package vacations, as well as hotel bookings, rental cars, and even cruises. Not only do users report excellent savings, but they also give Costco travel customer service rave reviews — a must-have when you’re traveling because you never know what kind of unexpected hiccups you can encounter.

Be sure to use one of the top travel credit cards on your trip to maximize your spending.

Bottom line

Sundry Photography/Adobe Costco Wholesale logo printed on the shopping carts

No matter what brings you to Costco, we’re sure that you can find one or two (or three!) other reasons to renew your membership.

And don’t forget to check out the best Costco shopping hacks before you make a trip to your local warehouse to keep optimizing your membership's savings.

Lucrative, Flat-Rate Cash Rewards


Wells Fargo Active Cash® Card

Current Offer

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

Annual Fee


Rewards Rate

Earn unlimited 2% cash rewards on purchases

Benefits and Drawbacks
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Author Details

Rachel Cribby

Rachel Cribby is a personal finance writer from Canada. Once a terrible math student with a fear of numbers, Rachel has embraced the world of personal finance and is passionate about empowering others to do the same. She especially loves taking topics that seem complicated and boring and making them interesting and easy to understand.