Category

Money Management

5 Proven Strategies to Keep Your Credit Card Safe From Fraud

By Money Management No Comments
[[{“value”:”Image source: Getty Images
Credit card fraud can throw a massive wrench in your financial plans. You’re minding your business buying a coffee or ordering takeout, and some scammer manages to snag your credit card number. The next thing you know, they’re out spending your money.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Unfortunately, credit card fraud is on the rise, but the good news is that there are simple strategies to protect yourself. By being a little proactive, you can keep your cards — and your money — safe from sneaky criminals.1. Set up alerts for every transactionThis is the easiest way to ensure you notice fraudulent transactions quickly. Most credit card companies allow you to set up real-time transaction alerts, so you get a text or push notification every time the card is used. This way, if something fishy happens, you’ll catch it immediately instead of not noticing until your statement comes out.If you’re worried constant notifications will get annoying, some cards also allow you to set specific rules for the alerts. For example, American Express emails me only if my card is used online, not in person. This can help cut down on alerts but still allow you to keep an eye on transactions.Click here to learn about our favorite travel credit cards and start earning rewards points today.2. Use tap to pay when possibleOne way fraudsters get access to your card number is by replacing the card swiper on point-of-sale systems with their own. They can then access your numbers and go on a spending spree. Using tap to pay is more secure and prevents fraudsters who might have tampered with the POS terminal from gaining access to your credit card information.3. Activate two-factor authenticationTwo-factor authentication is a game changer when shopping online. Many credit card companies offer it as an added layer of security for online transactions. Every time you go to use your card, it asks for a code that is sent to your phone.This means that even if someone gets their hands on your card number, they’ll need more than just that to make a purchase. It’s a bit of a hassle, but it’s totally worth it for the peace of mind. You can also activate it on your savings account login so scammers can’t access your bank accounts.4. Consider using virtual credit card numbersSome credit card issuers allow you to generate one-time-use virtual credit card numbers to use instead of your actual credit card number. The charge goes to your credit card, just like any other purchase, but if fraudsters steal the number, it’s worthless because the number no longer works.These are perfect for online shopping, as they work just like a regular credit card but are valid for only one transaction or a set budget. (Virtual credit card numbers are also ideal for subscriptions you might forget to cancel.)5. Be cautious with free wifiUnsecured, public wifi is the Wild West when it comes to online security. While it might feel convenient to check your bank balance at the coffee shop or order a pizza on your subway ride home, using public wifi networks can make it easier for hackers to intercept your information. That’s why you’ll often see the notification that “others can intercept information on this network.”If you need to access sensitive accounts, use your home wifi, log into a VPN to keep your connection private, or better yet, use your mobile data.Credit card fraud might feel inevitable. However, a few easy steps can drastically reduce your risk of fraud. It’s all about being proactive and paying attention to your credit card accounts.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A distraught man sitting in a park and talking on his phone while holding a credit card.

Image source: Getty Images

Credit card fraud can throw a massive wrench in your financial plans. You’re minding your business buying a coffee or ordering takeout, and some scammer manages to snag your credit card number. The next thing you know, they’re out spending your money.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Unfortunately, credit card fraud is on the rise, but the good news is that there are simple strategies to protect yourself. By being a little proactive, you can keep your cards — and your money — safe from sneaky criminals.

1. Set up alerts for every transaction

This is the easiest way to ensure you notice fraudulent transactions quickly. Most credit card companies allow you to set up real-time transaction alerts, so you get a text or push notification every time the card is used. This way, if something fishy happens, you’ll catch it immediately instead of not noticing until your statement comes out.

If you’re worried constant notifications will get annoying, some cards also allow you to set specific rules for the alerts. For example, American Express emails me only if my card is used online, not in person. This can help cut down on alerts but still allow you to keep an eye on transactions.

Click here to learn about our favorite travel credit cards and start earning rewards points today.

2. Use tap to pay when possible

One way fraudsters get access to your card number is by replacing the card swiper on point-of-sale systems with their own. They can then access your numbers and go on a spending spree. Using tap to pay is more secure and prevents fraudsters who might have tampered with the POS terminal from gaining access to your credit card information.

3. Activate two-factor authentication

Two-factor authentication is a game changer when shopping online. Many credit card companies offer it as an added layer of security for online transactions. Every time you go to use your card, it asks for a code that is sent to your phone.

This means that even if someone gets their hands on your card number, they’ll need more than just that to make a purchase. It’s a bit of a hassle, but it’s totally worth it for the peace of mind. You can also activate it on your savings account login so scammers can’t access your bank accounts.

4. Consider using virtual credit card numbers

Some credit card issuers allow you to generate one-time-use virtual credit card numbers to use instead of your actual credit card number. The charge goes to your credit card, just like any other purchase, but if fraudsters steal the number, it’s worthless because the number no longer works.

These are perfect for online shopping, as they work just like a regular credit card but are valid for only one transaction or a set budget. (Virtual credit card numbers are also ideal for subscriptions you might forget to cancel.)

5. Be cautious with free wifi

Unsecured, public wifi is the Wild West when it comes to online security. While it might feel convenient to check your bank balance at the coffee shop or order a pizza on your subway ride home, using public wifi networks can make it easier for hackers to intercept your information. That’s why you’ll often see the notification that “others can intercept information on this network.”

If you need to access sensitive accounts, use your home wifi, log into a VPN to keep your connection private, or better yet, use your mobile data.

Credit card fraud might feel inevitable. However, a few easy steps can drastically reduce your risk of fraud. It’s all about being proactive and paying attention to your credit card accounts.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

“}]] Read More 

Live Alone? 3 Reasons to Join Costco Anyway

By Money Management No Comments
[[{“value”:”Image source: Getty Images
If you live with a motley crew of family members or roommates, joining Costco seems like a slam dunk. You’ll be able to buy bigger quantities of groceries and household supplies for less money. But what if you’re a household of just one human?Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!I managed to hold off on joining Costco until quite recently, and a big reason I waited was because I share my living space with my three cats, and have no other humans in residence. But even without taking advantage of those deals on bulk groceries, I’ve found that Costco membership has still been worth it.Here are just three simple reasons (among many!) to join Costco as a solo person.1. Bulk paper goodsHonestly, this was at the top of the list of reasons why I finally joined Costco. I bought a house earlier this year, and now I have a lot more storage space than I did in my apartment. So I’ve been buying toilet paper, paper towels, napkins, and tissues at Costco. I often host my loved ones at my home, but most of the time it’s just me, meaning a huge package of Costco TP lasts far longer than it would in a full house of people.I’m getting good prices on these items, but honestly, making a trip to Costco for a huge supply of paper goods every few months seems a better use of my time and energy than buying smaller quantities more often from the grocery store. And I don’t mind Kirkland Signature brand paper goods (admittedly, the Bounty paper towels my colleague Maurie Backman raves about are great — but I’m just not as fussed about paper towels!). So I’m leaving myself open to even more savings.Want to earn cash back on that pack of 30 rolls of TP? Click here for our favorite credit cards to use at Costco.2. ElectronicsWhen you think Costco, you probably don’t think tablets or laptops, but it can be a surprisingly good place to buy items like this. On the one hand, you could get a better price than those offered by Amazon, Best Buy, Target, or other electronics retailers — this isn’t a guarantee, but if you’re in the market for a shiny new toy, check Costco. For example, you can score a new 10.9-inch, 64GB Apple iPad (wifi only) for just $249.99 right now — Best Buy has the same model for $279.99.In addition to a cheaper price, you’ll also get a 90-day return policy, free tech support, and a free second-year extended warranty on some items, including laptops, TVs, and major appliances. Honestly, even if buying from Costco won’t save you money, it still might be worth making a big purchase from there for these benefits.3. Various servicesFinally, Costco offers a host of other useful services that anyone can take advantage of — even those of us who thrill in not having to pick up after other people. For example, if you’re a homeowner, Costco Home & Installation Services can be your gateway to trusted contractors who can install new countertops, solar panels, a generator, and more. You’ll often also get a Costco Shop Card (a gift card to Costco) in the amount of 10% of your project’s cost, to boot.Wear glasses or contacts? You can get your vision checked at Costco Optical, buy glasses of all kinds, and even use your vision insurance, if you have it. The Costco Tire Center offers an included five-year road hazard warranty on the tires you buy there, plus free installation, flat repairs, and more.If you’re going to join Costco, you may as well try to maximize your rewards in the process — check out our No. 1 strategy for doing just that.Costco can even save you money on prescription drugs, in addition to selling bulk packages of over-the-counter allergy medicines, painkillers, and supplements. The Costco Member Prescription Program offers deals on 90-day supplies of popular medications — some will cost you just $9.99. Oh, and you can fill your pets’ prescriptions there too.What have you got to lose?Even without a household of other people, a Costco membership still offers benefits for folks like you and me. If you live near a warehouse club, there’s really no reason not to give it a shot — I live an hour away from my closest Costco, and joining earlier this year was still a good move for me.And note that Costco’s fabulous return policy extends to memberships, so if it turns out that Costco isn’t a fit for you, you can cancel and get a refund anytime.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Amazon, Apple, Best Buy, Costco Wholesale, and Target. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Woman pushing cart down warehouse club store aisle.

Image source: Getty Images

If you live with a motley crew of family members or roommates, joining Costco seems like a slam dunk. You’ll be able to buy bigger quantities of groceries and household supplies for less money. But what if you’re a household of just one human?

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

I managed to hold off on joining Costco until quite recently, and a big reason I waited was because I share my living space with my three cats, and have no other humans in residence. But even without taking advantage of those deals on bulk groceries, I’ve found that Costco membership has still been worth it.

Here are just three simple reasons (among many!) to join Costco as a solo person.

1. Bulk paper goods

Honestly, this was at the top of the list of reasons why I finally joined Costco. I bought a house earlier this year, and now I have a lot more storage space than I did in my apartment. So I’ve been buying toilet paper, paper towels, napkins, and tissues at Costco. I often host my loved ones at my home, but most of the time it’s just me, meaning a huge package of Costco TP lasts far longer than it would in a full house of people.

I’m getting good prices on these items, but honestly, making a trip to Costco for a huge supply of paper goods every few months seems a better use of my time and energy than buying smaller quantities more often from the grocery store. And I don’t mind Kirkland Signature brand paper goods (admittedly, the Bounty paper towels my colleague Maurie Backman raves about are great — but I’m just not as fussed about paper towels!). So I’m leaving myself open to even more savings.

Want to earn cash back on that pack of 30 rolls of TP? Click here for our favorite credit cards to use at Costco.

2. Electronics

When you think Costco, you probably don’t think tablets or laptops, but it can be a surprisingly good place to buy items like this. On the one hand, you could get a better price than those offered by Amazon, Best Buy, Target, or other electronics retailers — this isn’t a guarantee, but if you’re in the market for a shiny new toy, check Costco. For example, you can score a new 10.9-inch, 64GB Apple iPad (wifi only) for just $249.99 right now — Best Buy has the same model for $279.99.

In addition to a cheaper price, you’ll also get a 90-day return policy, free tech support, and a free second-year extended warranty on some items, including laptops, TVs, and major appliances. Honestly, even if buying from Costco won’t save you money, it still might be worth making a big purchase from there for these benefits.

3. Various services

Finally, Costco offers a host of other useful services that anyone can take advantage of — even those of us who thrill in not having to pick up after other people. For example, if you’re a homeowner, Costco Home & Installation Services can be your gateway to trusted contractors who can install new countertops, solar panels, a generator, and more. You’ll often also get a Costco Shop Card (a gift card to Costco) in the amount of 10% of your project’s cost, to boot.

Wear glasses or contacts? You can get your vision checked at Costco Optical, buy glasses of all kinds, and even use your vision insurance, if you have it. The Costco Tire Center offers an included five-year road hazard warranty on the tires you buy there, plus free installation, flat repairs, and more.

If you’re going to join Costco, you may as well try to maximize your rewards in the process — check out our No. 1 strategy for doing just that.

Costco can even save you money on prescription drugs, in addition to selling bulk packages of over-the-counter allergy medicines, painkillers, and supplements. The Costco Member Prescription Program offers deals on 90-day supplies of popular medications — some will cost you just $9.99. Oh, and you can fill your pets’ prescriptions there too.

What have you got to lose?

Even without a household of other people, a Costco membership still offers benefits for folks like you and me. If you live near a warehouse club, there’s really no reason not to give it a shot — I live an hour away from my closest Costco, and joining earlier this year was still a good move for me.

And note that Costco’s fabulous return policy extends to memberships, so if it turns out that Costco isn’t a fit for you, you can cancel and get a refund anytime.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Amazon, Apple, Best Buy, Costco Wholesale, and Target. The Motley Fool has a disclosure policy.

“}]] Read More 

3 Costly Mistakes I Made While Paying Off Credit Card Debt

By Money Management No Comments
[[{“value”:”Image source: Getty Images
Like many Americans, I had a period of my life when I was in credit card debt. I was a young adult, and I had just started freelancing, so I wasn’t used to having an unstable income. I also wasn’t earning much, which meant I had little room for error with my spending.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Eventually, I got out of debt. But it took much longer than it should have and cost me hundreds of dollars in interest. If you’re in credit card debt, here are the three mistakes I made so you know what to avoid.1. Not using a balance transfer cardA balance transfer card is a type of credit card specifically for paying off debt. It has a 0% intro APR on balance transfers, meaning debt you bring over from other accounts. For example, you have a credit card with a $5,000 balance and a 23% APR. You transfer it to a card with a 0% intro APR for 18 months, saving over $1,100 in interest per year.I didn’t get a balance transfer card. In fact, I didn’t even know this type of card existed. If I had gotten one, I could’ve transferred over my credit card debt for a small balance transfer fee. The standard fee amount is 3% to 5%. Then, I could’ve paid it off faster and without expensive interest charges.Avoiding interest makes it much easier to get out of credit card debt. Click here to learn more and see our list of the best balance transfer cards, with 0% intro APRs lasting as long as 21 months.2. Continuing to use my credit cardsThe most efficient way to pay off credit card debt is to stop using your cards. If you keep using them, it slows down your progress. Making a $500 payment could take a solid chunk out of your debt, but not if you spend another $400 on your cards that same month.Keep in mind also that every purchase you make is more interest you need to pay. Even if you get a balance transfer card, the 0% intro APR might only apply to balance transfers and not new purchases. If so, you’ll start getting charged interest on purchases right away, even if the debt you transferred to the new card is interest-free for the moment.I made the typical rationalizations in my head for why I was still using my credit cards. It was more convenient. I didn’t want to keep track of how much was in my checking account. I was earning points (which didn’t come close to equalizing the interest I was paying). They were all just excuses that kept me in debt longer.3. Splurging after making progress on my debtMy income fluctuated quite a bit during my early days as a freelancer. I’d occasionally have a much more profitable month than usual. When that happened, I’d take advantage and pay down a large amount of debt.So far, so good. But then I’d figure that since I had worked so hard and made so much progress, I deserved to treat myself. I’d splurge and feel happy about spending money — which turned to disappointment in myself when I saw my credit card bill a few weeks later.When you’re dealing with credit card debt, you need to be extra disciplined about your spending. It’s not the time to splurge or make impulsive purchases. Focus on your goal of paying off your credit cards. If you want to occasionally treat yourself to stay motivated, that’s fine. But look for ways to do it without spending too much, like going out for happy hour with friends or grabbing a treat at a local bakery you like.My credit card debt is firmly in the rearview mirror at this point. I’ve used many of the top credit cards since then, but I always pay in full every month, ensuring I get their benefits without the costly drawbacks. The mistakes I made didn’t ruin me financially, but I would’ve had an easier time had I known what not to do.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A tired-looking man resting his forehead on his hand while reading paperwork.

Image source: Getty Images

Like many Americans, I had a period of my life when I was in credit card debt. I was a young adult, and I had just started freelancing, so I wasn’t used to having an unstable income. I also wasn’t earning much, which meant I had little room for error with my spending.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Eventually, I got out of debt. But it took much longer than it should have and cost me hundreds of dollars in interest. If you’re in credit card debt, here are the three mistakes I made so you know what to avoid.

1. Not using a balance transfer card

A balance transfer card is a type of credit card specifically for paying off debt. It has a 0% intro APR on balance transfers, meaning debt you bring over from other accounts. For example, you have a credit card with a $5,000 balance and a 23% APR. You transfer it to a card with a 0% intro APR for 18 months, saving over $1,100 in interest per year.

I didn’t get a balance transfer card. In fact, I didn’t even know this type of card existed. If I had gotten one, I could’ve transferred over my credit card debt for a small balance transfer fee. The standard fee amount is 3% to 5%. Then, I could’ve paid it off faster and without expensive interest charges.

Avoiding interest makes it much easier to get out of credit card debt. Click here to learn more and see our list of the best balance transfer cards, with 0% intro APRs lasting as long as 21 months.

2. Continuing to use my credit cards

The most efficient way to pay off credit card debt is to stop using your cards. If you keep using them, it slows down your progress. Making a $500 payment could take a solid chunk out of your debt, but not if you spend another $400 on your cards that same month.

Keep in mind also that every purchase you make is more interest you need to pay. Even if you get a balance transfer card, the 0% intro APR might only apply to balance transfers and not new purchases. If so, you’ll start getting charged interest on purchases right away, even if the debt you transferred to the new card is interest-free for the moment.

I made the typical rationalizations in my head for why I was still using my credit cards. It was more convenient. I didn’t want to keep track of how much was in my checking account. I was earning points (which didn’t come close to equalizing the interest I was paying). They were all just excuses that kept me in debt longer.

3. Splurging after making progress on my debt

My income fluctuated quite a bit during my early days as a freelancer. I’d occasionally have a much more profitable month than usual. When that happened, I’d take advantage and pay down a large amount of debt.

So far, so good. But then I’d figure that since I had worked so hard and made so much progress, I deserved to treat myself. I’d splurge and feel happy about spending money — which turned to disappointment in myself when I saw my credit card bill a few weeks later.

When you’re dealing with credit card debt, you need to be extra disciplined about your spending. It’s not the time to splurge or make impulsive purchases. Focus on your goal of paying off your credit cards. If you want to occasionally treat yourself to stay motivated, that’s fine. But look for ways to do it without spending too much, like going out for happy hour with friends or grabbing a treat at a local bakery you like.

My credit card debt is firmly in the rearview mirror at this point. I’ve used many of the top credit cards since then, but I always pay in full every month, ensuring I get their benefits without the costly drawbacks. The mistakes I made didn’t ruin me financially, but I would’ve had an easier time had I known what not to do.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

7 Great Products You’ll Only Find at Sam’s Club

By Money Management No Comments
[[{“value”:”Image source: Getty Images
At first impression, it can seem kind of ridiculous to pay a store to let you shop there. I mean, aren’t we the ones doing them the favor by giving them our money?Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. But once you join Sam’s Club and start shopping, you can really start to see the savings add up. A big part of that savings comes from switching to Member’s Mark products.Member’s Mark is the Sam’s Club store brand, but it doesn’t offer your typical low-quality generics. The products are so popular because they’re that magical combination of good and cheap. Here are some of my favorites.1. Member’s Mark 3-ply tissuesWe go through a truly ridiculous number of tissues in our house, and we’ve tried all the brands. After lots of thorough testing, we now exclusively buy Member’s Mark tissues.You’ll find a box of the 2-ply tissues in nearly every room of the house, handily placed for quick sneezes. But when the sniffles or allergies hit, we break out the Member’s Mark 3-ply, which are my top tissues from any brand I’ve tried.2. Member’s Mark aluminum foilThe purchase of a charcoal smoker last summer more than doubled our typical foil usage, and gave us the incentive to try Member’s Mark foil. We’re now big fans.We especially like the 18″ foodservice foil for smoking. The rolls are an excellent length — you don’t use up one roll per rack of ribs, like some brands — plus the foil itself is wide and sturdy, holding up to sharp ribs and heavy sauces.Pro tip: If you have a toaster oven, the pre-cut Member’s Mark foil sheets fit nicely on the smaller trays and are super convenient.3. Member’s Mark bird seedThe two giant trees in my front yard are home to what seems like all of the birds on the block, and those little monsters can empty a bird feeder in mere days. So buying my bird seed in bulk from Member’s Mark lets me keep the hoards at bay without emptying my wallet at the hardware store.In particular, the premium nut and fruit blend seems to be a big hit with everyone in the neighborhood, from the little nuthatches to the big jays and woodpeckers.Another thing that’s for the birds? Spending a fortune in Sam’s Club without maximizing your credit card rewards. Check out our favorite cash back rewards cards to start earning on your Sam’s Club purchases.4. Member’s Mark toilet paperWe may use it to literally wipe our bums, but most of us have great respect for the humble toilet paper roll — and strong opinions on the best types (and how to hang it #TeamOver). We were a Charmin household for many years, but we’ve since made the switch to Member’s Mark. It’s been good for our budget, and even our most discerning tushies are happy with the switch.5. Member’s Mark kitchen towelsIf you’re a baker, take a look at the Member’s Mark flour sack towels. These basic tea towels are my go-to for tossing over dough while it rests or rises. They launder well, are fairly absorbent, and are an excellent size.I can also recommend the Member’s Mark hospitality hand towels for throwing over a shoulder while cooking or washing dishes. (They’re also great for all those inevitable spills while changing the water in your aquarium or performing your weekly Sysiphyian homage by cleaning out the duckweed.)6. Member’s Mark original guacamoleAnything avocado goes brown within hours of opening, so these individual servings can be a good way to get your guac fix over a few weeks. The flavor is good and it goes great on quesadillas.Keep in mind that even these little cups won’t last forever. If you can’t go through perishables before they expire, avoid buying them at Sam’s Club. You may pay more per unit at the grocery store, but you’ll probably save money overall since you aren’t throwing out spoiled food.On the plus side, there are excellent grocery rewards credit cards out there. Click here to see some of our favorite cards for maximizing grocery store rewards.7. Member’s Mark Ultra paper platesI’m not normally one for disposable dishware, but I’m also a big believer that sometimes you just need to do what you need to do to make your life easier. If that means everyone has turkey off of paper plates, well, I bet it tastes just as good.We ate off of Member’s Mark paper plates for several weeks after our big move last year while we tried to find and organize, well, everything. I was very pleased with the quality and sturdiness, and definitely felt as if we got good value for our money.Not your typical store brandIt’s easy to shrug off store brands because most of them are the definition of the phrase, “You get what you pay for.” Happily, Member’s Mark products are, generally, the exceptions to the rule. Even better, you can try them without risk thanks to Sam’s Club’s excellent return policy. That’s a win-win!Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Woman pushing cart down warehouse club store aisle.

Image source: Getty Images

At first impression, it can seem kind of ridiculous to pay a store to let you shop there. I mean, aren’t we the ones doing them the favor by giving them our money?

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

But once you join Sam’s Club and start shopping, you can really start to see the savings add up. A big part of that savings comes from switching to Member’s Mark products.

Member’s Mark is the Sam’s Club store brand, but it doesn’t offer your typical low-quality generics. The products are so popular because they’re that magical combination of good and cheap. Here are some of my favorites.

1. Member’s Mark 3-ply tissues

We go through a truly ridiculous number of tissues in our house, and we’ve tried all the brands. After lots of thorough testing, we now exclusively buy Member’s Mark tissues.

You’ll find a box of the 2-ply tissues in nearly every room of the house, handily placed for quick sneezes. But when the sniffles or allergies hit, we break out the Member’s Mark 3-ply, which are my top tissues from any brand I’ve tried.

2. Member’s Mark aluminum foil

The purchase of a charcoal smoker last summer more than doubled our typical foil usage, and gave us the incentive to try Member’s Mark foil. We’re now big fans.

We especially like the 18″ foodservice foil for smoking. The rolls are an excellent length — you don’t use up one roll per rack of ribs, like some brands — plus the foil itself is wide and sturdy, holding up to sharp ribs and heavy sauces.

Pro tip: If you have a toaster oven, the pre-cut Member’s Mark foil sheets fit nicely on the smaller trays and are super convenient.

3. Member’s Mark bird seed

The two giant trees in my front yard are home to what seems like all of the birds on the block, and those little monsters can empty a bird feeder in mere days. So buying my bird seed in bulk from Member’s Mark lets me keep the hoards at bay without emptying my wallet at the hardware store.

In particular, the premium nut and fruit blend seems to be a big hit with everyone in the neighborhood, from the little nuthatches to the big jays and woodpeckers.

Another thing that’s for the birds? Spending a fortune in Sam’s Club without maximizing your credit card rewards. Check out our favorite cash back rewards cards to start earning on your Sam’s Club purchases.

4. Member’s Mark toilet paper

We may use it to literally wipe our bums, but most of us have great respect for the humble toilet paper roll — and strong opinions on the best types (and how to hang it #TeamOver). We were a Charmin household for many years, but we’ve since made the switch to Member’s Mark. It’s been good for our budget, and even our most discerning tushies are happy with the switch.

5. Member’s Mark kitchen towels

If you’re a baker, take a look at the Member’s Mark flour sack towels. These basic tea towels are my go-to for tossing over dough while it rests or rises. They launder well, are fairly absorbent, and are an excellent size.

I can also recommend the Member’s Mark hospitality hand towels for throwing over a shoulder while cooking or washing dishes. (They’re also great for all those inevitable spills while changing the water in your aquarium or performing your weekly Sysiphyian homage by cleaning out the duckweed.)

6. Member’s Mark original guacamole

Anything avocado goes brown within hours of opening, so these individual servings can be a good way to get your guac fix over a few weeks. The flavor is good and it goes great on quesadillas.

Keep in mind that even these little cups won’t last forever. If you can’t go through perishables before they expire, avoid buying them at Sam’s Club. You may pay more per unit at the grocery store, but you’ll probably save money overall since you aren’t throwing out spoiled food.

On the plus side, there are excellent grocery rewards credit cards out there. Click here to see some of our favorite cards for maximizing grocery store rewards.

7. Member’s Mark Ultra paper plates

I’m not normally one for disposable dishware, but I’m also a big believer that sometimes you just need to do what you need to do to make your life easier. If that means everyone has turkey off of paper plates, well, I bet it tastes just as good.

We ate off of Member’s Mark paper plates for several weeks after our big move last year while we tried to find and organize, well, everything. I was very pleased with the quality and sturdiness, and definitely felt as if we got good value for our money.

Not your typical store brand

It’s easy to shrug off store brands because most of them are the definition of the phrase, “You get what you pay for.” Happily, Member’s Mark products are, generally, the exceptions to the rule. Even better, you can try them without risk thanks to Sam’s Club’s excellent return policy. That’s a win-win!

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

“}]] Read More 

5 Reasons I Regret Waiting So Long to Open a Rewards Card

By Money Management No Comments
[[{“value”:”Image source: Getty Images
For years, opening a rewards credit card felt like something other people did — people who have “financial goals” and use words like “mileage redemption” in casual conversation. Meanwhile, I was over here swiping my debit card like it was doing me any favors. Spoiler alert: it wasn’t.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. Fast forward to now, and I’ve joined the world of rewards cards. But instead of celebrating, I’m kicking myself for waiting so long. Why? Because I’ve been leaving free money, perks, and experiences on the table.Here are five reasons I deeply regret dragging my feet on getting some of the best credit cards — and why you shouldn’t make the same mistake.1. Missed sign-up bonusesYou know those 50,000-point or $200 cash back bonuses you get just for opening a rewards card and spending what you already would’ve spent? I missed out on those for years. That’s like being handed free money and saying, “No thanks, I’m good.”Every time I think about the sign-up bonuses I could have collected, I want to scream into a void. Those points could’ve funded flights and hotel stays or taken the sting out of my grocery bill. Thankfully, I’ve learned my lesson.Be on the lookout for boosted welcome offers to earn even more points, miles, or cash back. In recent years, I’ve opened two different highly rated cards at times when the welcome offer was significantly higher than what’s standard for the cards. As an example, both Chase and Amex are known for occasionally boosting welcome offers for cards in their respective lineups.2. My daily spending earned me nothingI don’t want to do the math on how much money I’ve spent on groceries, gas, and dining out over the years because it might make me cry. With a rewards card, those purchases could have been earning me points, cash back, or other perks.Instead, they just disappeared into the ether, like socks in a dryer. Now, every time I swipe, I’m earning something back — and honestly, it’s a little addictive.Click here to check out our picks for the best gas and groceries rewards cards — you can earn money back on the purchases you make every day.3. I paid full price for travelUntil recently, I thought everyone paid full price for flights and hotels. Turns out, that’s just what people without rewards cards do. Now that I’ve joined the points game, I can’t believe how much money I’ve wasted.Recently, I booked round-trip flights to the Caribbean for my family and spent only $450 because I used points from some of my top travel credit cards. Now, I can’t stop thinking about all the trips I could’ve taken if I’d started earning points sooner.4. I lost out on VIP treatmentLet me paint you a picture: you’re at the airport, sipping a free latte in a quiet lounge while everyone else is fighting over power outlets and $15 sandwiches. That could’ve been me.Instead, I spent years waiting at crowded gates and paying for overpriced snacks. Many rewards cards offer lounge access, hotel upgrades, and other little luxuries that improve travel. Knowing I could’ve been living that life earlier stings a bit.5. I could’ve saved thousands with travel perksRewards cards aren’t just about earning points — they come with built-in perks that can save you serious cash. Case in point: the travel insurance on my card recently reimbursed me $1,500 for a trip mishap.Had I known earlier that perks like trip cancellation coverage, rental car insurance, and even delayed baggage protection were included, I could’ve saved myself countless headaches — and dollars. Waiting so long to take advantage of these benefits feels like leaving a suitcase full of cash at the airport.The takeawayIf you’re still on the fence about opening a rewards card, let me be your cautionary tale. I’ve missed out on points, perks, and priceless travel experiences, all because I waited too long to sign up. Don’t make the same mistake.Find a card that fits your lifestyle, start earning rewards, and enjoy the smug satisfaction of knowing you’re not leaving anything on the table. Trust me, future you will thank present you. And maybe even buy you a drink — with points, of course.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A woman lying on the beach reading a book.

Image source: Getty Images

For years, opening a rewards credit card felt like something other people did — people who have “financial goals” and use words like “mileage redemption” in casual conversation. Meanwhile, I was over here swiping my debit card like it was doing me any favors. Spoiler alert: it wasn’t.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

Fast forward to now, and I’ve joined the world of rewards cards. But instead of celebrating, I’m kicking myself for waiting so long. Why? Because I’ve been leaving free money, perks, and experiences on the table.

Here are five reasons I deeply regret dragging my feet on getting some of the best credit cards — and why you shouldn’t make the same mistake.

1. Missed sign-up bonuses

You know those 50,000-point or $200 cash back bonuses you get just for opening a rewards card and spending what you already would’ve spent? I missed out on those for years. That’s like being handed free money and saying, “No thanks, I’m good.”

Every time I think about the sign-up bonuses I could have collected, I want to scream into a void. Those points could’ve funded flights and hotel stays or taken the sting out of my grocery bill. Thankfully, I’ve learned my lesson.

Be on the lookout for boosted welcome offers to earn even more points, miles, or cash back. In recent years, I’ve opened two different highly rated cards at times when the welcome offer was significantly higher than what’s standard for the cards. As an example, both Chase and Amex are known for occasionally boosting welcome offers for cards in their respective lineups.

2. My daily spending earned me nothing

I don’t want to do the math on how much money I’ve spent on groceries, gas, and dining out over the years because it might make me cry. With a rewards card, those purchases could have been earning me points, cash back, or other perks.

Instead, they just disappeared into the ether, like socks in a dryer. Now, every time I swipe, I’m earning something back — and honestly, it’s a little addictive.

Click here to check out our picks for the best gas and groceries rewards cards — you can earn money back on the purchases you make every day.

3. I paid full price for travel

Until recently, I thought everyone paid full price for flights and hotels. Turns out, that’s just what people without rewards cards do. Now that I’ve joined the points game, I can’t believe how much money I’ve wasted.

Recently, I booked round-trip flights to the Caribbean for my family and spent only $450 because I used points from some of my top travel credit cards. Now, I can’t stop thinking about all the trips I could’ve taken if I’d started earning points sooner.

4. I lost out on VIP treatment

Let me paint you a picture: you’re at the airport, sipping a free latte in a quiet lounge while everyone else is fighting over power outlets and $15 sandwiches. That could’ve been me.

Instead, I spent years waiting at crowded gates and paying for overpriced snacks. Many rewards cards offer lounge access, hotel upgrades, and other little luxuries that improve travel. Knowing I could’ve been living that life earlier stings a bit.

5. I could’ve saved thousands with travel perks

Rewards cards aren’t just about earning points — they come with built-in perks that can save you serious cash. Case in point: the travel insurance on my card recently reimbursed me $1,500 for a trip mishap.

Had I known earlier that perks like trip cancellation coverage, rental car insurance, and even delayed baggage protection were included, I could’ve saved myself countless headaches — and dollars. Waiting so long to take advantage of these benefits feels like leaving a suitcase full of cash at the airport.

The takeaway

If you’re still on the fence about opening a rewards card, let me be your cautionary tale. I’ve missed out on points, perks, and priceless travel experiences, all because I waited too long to sign up. Don’t make the same mistake.

Find a card that fits your lifestyle, start earning rewards, and enjoy the smug satisfaction of knowing you’re not leaving anything on the table. Trust me, future you will thank present you. And maybe even buy you a drink — with points, of course.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.American Express is an advertising partner of Motley Fool Money. JPMorgan Chase is an advertising partner of Motley Fool Money. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool has a disclosure policy.

“}]] Read More 

Don’t Set Foot in Costco Without This in Your Wallet

By Money Management No Comments
[[{“value”:”Image source: The Motley Fool/Unsplash
Costco is different from just about any other store. When you’re a new member, you may not know about all the quirks of shopping there. For the most part, you can learn as you go, but there’s an important rule every Costco member should know.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!While most stores accept all credit cards, Costco warehouses don’t. Because of Costco’s rules, there’s only one type of credit card you’ll be able to use there.Bring a Visa credit card when you shop at CostcoIf you want to pay with a credit card at Costco, it needs to be a Visa. Costco warehouses don’t accept American Express, Mastercard, or Discover credit cards. They do accept most PIN-based debit cards.The rules are the same at Costco gas stations. For purchases at Costco.com, Mastercard credit cards are also accepted, but you still can’t use American Express or Discover.To see which type of credit card you have, check the card itself. Each credit card includes the logo of its payment network. It’s normally in the bottom-right corner on the front of the card, although this isn’t always the case. Some credit cards have different designs, so the exact position varies.If you don’t have a Visa credit card, or if you’d like to get a new one, there are lots of options available. Click here to see our curated list of the best credit cards to use at Costco. You’ll find cards with big bonus opportunities and high rewards rates on Costco spending.Why you should pay with a credit card at CostcoYou could pay with your debit card, cash, or by check at Costco. Visa credit cards aren’t your only option, but they are your best option. Here’s why.You could earn rewards on your spending. Depending on the card, you could earn either cash back to boost your savings or travel points to use for your next trip.It builds your credit. When you use a credit card regularly and pay your bill on time, it helps increase your credit score.You could get extra protections on your purchases. Costco is famous for its amazing return policy, but some credit cards offer even more protections. Many cards include extended warranty coverage and purchase protection against damage or theft.These are all benefits that you won’t get with other payment methods. Some debit cards earn cash back, but they don’t earn nearly as much as you could get with a cash back credit card.With the benefits that credit cards offer, it makes sense to use them for all your purchases. But this is only a good idea if you’re sure that you’ll pay your credit card bill in full every month. If you don’t pay in full, your card issuer will charge you interest.Costco’s payment rules are unique, but they’re not too hard to follow. Lots of credit cards are Visa cards, so you’re not short on options. Make sure you have one in your wallet, and you’ll be good to go when you check out. And to save as much as possible, make sure to check out the No. 1 strategy for saving money at Costco.Alert: highest cash back card we’ve seen now has 0% intro APR into 2026
This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!
Click here to read our full review for free and apply in just 2 minutes. We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale, Mastercard, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A wallet on top of a green background

Image source: The Motley Fool/Unsplash

Costco is different from just about any other store. When you’re a new member, you may not know about all the quirks of shopping there. For the most part, you can learn as you go, but there’s an important rule every Costco member should know.

Top credit card to use at Costco (and everywhere else!)

We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco.

Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.

Click here to read our full review for free and apply before the $200 welcome bonus offer ends!

While most stores accept all credit cards, Costco warehouses don’t. Because of Costco’s rules, there’s only one type of credit card you’ll be able to use there.

Bring a Visa credit card when you shop at Costco

If you want to pay with a credit card at Costco, it needs to be a Visa. Costco warehouses don’t accept American Express, Mastercard, or Discover credit cards. They do accept most PIN-based debit cards.

The rules are the same at Costco gas stations. For purchases at Costco.com, Mastercard credit cards are also accepted, but you still can’t use American Express or Discover.

To see which type of credit card you have, check the card itself. Each credit card includes the logo of its payment network. It’s normally in the bottom-right corner on the front of the card, although this isn’t always the case. Some credit cards have different designs, so the exact position varies.

If you don’t have a Visa credit card, or if you’d like to get a new one, there are lots of options available. Click here to see our curated list of the best credit cards to use at Costco. You’ll find cards with big bonus opportunities and high rewards rates on Costco spending.

Why you should pay with a credit card at Costco

You could pay with your debit card, cash, or by check at Costco. Visa credit cards aren’t your only option, but they are your best option. Here’s why.

  • You could earn rewards on your spending. Depending on the card, you could earn either cash back to boost your savings or travel points to use for your next trip.
  • It builds your credit. When you use a credit card regularly and pay your bill on time, it helps increase your credit score.
  • You could get extra protections on your purchases. Costco is famous for its amazing return policy, but some credit cards offer even more protections. Many cards include extended warranty coverage and purchase protection against damage or theft.

These are all benefits that you won’t get with other payment methods. Some debit cards earn cash back, but they don’t earn nearly as much as you could get with a cash back credit card.

With the benefits that credit cards offer, it makes sense to use them for all your purchases. But this is only a good idea if you’re sure that you’ll pay your credit card bill in full every month. If you don’t pay in full, your card issuer will charge you interest.

Costco’s payment rules are unique, but they’re not too hard to follow. Lots of credit cards are Visa cards, so you’re not short on options. Make sure you have one in your wallet, and you’ll be good to go when you check out. And to save as much as possible, make sure to check out the No. 1 strategy for saving money at Costco.

Alert: highest cash back card we’ve seen now has 0% intro APR into 2026

This credit card is not just good – it’s so exceptional that our experts use it personally. It features a 0% intro APR for 15 months, a cash back rate of up to 5%, and all somehow for no annual fee!

Click here to read our full review for free and apply in just 2 minutes.

We’re firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers.
Motley Fool Money does not cover all offers on the market. Editorial content from Motley Fool Money is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of Motley Fool Money. American Express is an advertising partner of Motley Fool Money. Lyle Daly has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale, Mastercard, and Visa. The Motley Fool recommends Discover Financial Services and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.

“}]] Read More