Money Management

[[{“value”:”Image source: Getty Images
You probably won’t find Santa sitting in the food court, but Costco is still a great place to visit during the holiday shopping season.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. Not only can you find all of those party necessities for feasting and hosting, but you can get excellent gifts for everyone on your list.With so much going on, the typical Costco chaos is going to be on overdrive, so keep your wits about you while you shop. Here are a few tricks to keep in mind when searching for Costco deals this season.1. Shop in personCostco’s online experience is getting better, but it’s no substitute for hitting the club in person. For one thing, you won’t pay the surcharges and shipping fees that Costco.com and Instacart charge.Beyond that, some products and sales are only available in the store. This includes seasonal clearance items that could be fantastic deals.For my rewards card-using friends, remember you can only pay with Visa credit cards in store. Click here to see our top Costco rewards credit cards so you can maximize your savings.2. Visit multiple timesIf you really want the best deals, you not only need to shop in person — you need to visit multiple times throughout the holiday season.Costco changes prices and inventory every week, sometimes daily, and limited-stock or seasonal items may come and go before you even get the chance to see them.As long as your local Costco is conveniently located, it could very well be worthwhile to stop in to see what’s new (and maybe get a slice or pizza or giant cookie, you know, for your trouble).3. Check the sales flyersThis is some general advice that applies to most stores, but it can be especially useful in a cavernous expanse such as Costco. The sheer scope of the store means it’s almost impossible to spot every sale and discount if you’re just going aisle by aisle.Costco will happily mail you sales flyers if you sign up (and sometimes even if you don’t), but you can also check Costco.com to see the latest flyers, too.The best way, however, may be to download the Costco mobile app. There, you can not only see the sales flyers, but also make shopping lists to make sure you don’t forget any deals.4. Visit the gift card kioskSome people may say gift cards are impersonal, but I disagree. Sometimes they’re exactly the right gift. (This is especially true for teenagers, second only to cash.)Costco is one of my favorite places to buy gift cards, whether I’m gifting them or not. You can find gift cards from all kinds of popular restaurants and retailers, and they’re all sold at a discount.Discounts vary, but they average about 20% off the face value. Head into the store to get physical cards for gifting.5. Buy holiday hosting supplies in bulkMost of the time I actively advise against buying Costco-sized perishables, but the holiday hosting season is probably the best time. With many mouths to feed, you’ll likely use it all up before it goes bad, and you’ll probably save money over the grocery store.(If you’re going to have the in-laws, the outlaws, and the weird cousins over to visit all at once, it’s probably a good idea to stuff them so full of Costco cheese they can’t argue.)Pro tip: Have a long gift list to cover? Make the most of a big holiday shopping bill by opening a new sign-up bonus credit card.6. Compare prices with other retailersCostco is good at competitive pricing, but even the wholesale giant isn’t the best deal every time. In my experience, this is especially true when you’re looking at brand-name electronics and small appliances around the holidaysEveryone has sales right now. Those sales seem to be changing every few days, and discounts can vary wildly between retailers.You should be checking with multiple retailers — Walmart, Target, Best Buy, the mom-and-pop shop down the road, everyone — to find the best deal for any major gifts on your list. This could be a huge savings difference for big-ticket items.7. Remember Costco’s return policyYou’ll be hard-pressed to find a return policy as generous as Costco, which takes returns at pretty much any time for a large chunk of its inventory. This can be very handy during the holidays since Costco doesn’t price match, so you’ll need to make a return if you find a better deal later.That said, not everything in the store has the same near-limitless return window. There are a few key exceptions, including major electronics, like TVs and tablets, as well as stuff like drones, smart watches, and cellphones, which can only be returned within 90 days.Some items, including alcohol and live performance tickets, may not be returnable at all, so keep that in mind when you make your purchase.Looking for an easy way to earn cash back at Costco? Learn our simple strategy for maximizing rewards on Costco purchases.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!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.Brittney Myers has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

You probably won’t find Santa sitting in the food court, but Costco is still a great place to visit during the holiday shopping season.

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.

Not only can you find all of those party necessities for feasting and hosting, but you can get excellent gifts for everyone on your list.

With so much going on, the typical Costco chaos is going to be on overdrive, so keep your wits about you while you shop. Here are a few tricks to keep in mind when searching for Costco deals this season.

1. Shop in person

Costco’s online experience is getting better, but it’s no substitute for hitting the club in person. For one thing, you won’t pay the surcharges and shipping fees that Costco.com and Instacart charge.

Beyond that, some products and sales are only available in the store. This includes seasonal clearance items that could be fantastic deals.

For my rewards card-using friends, remember you can only pay with Visa credit cards in store. Click here to see our top Costco rewards credit cards so you can maximize your savings.

2. Visit multiple times

If you really want the best deals, you not only need to shop in person — you need to visit multiple times throughout the holiday season.

Costco changes prices and inventory every week, sometimes daily, and limited-stock or seasonal items may come and go before you even get the chance to see them.

As long as your local Costco is conveniently located, it could very well be worthwhile to stop in to see what’s new (and maybe get a slice or pizza or giant cookie, you know, for your trouble).

3. Check the sales flyers

This is some general advice that applies to most stores, but it can be especially useful in a cavernous expanse such as Costco. The sheer scope of the store means it’s almost impossible to spot every sale and discount if you’re just going aisle by aisle.

Costco will happily mail you sales flyers if you sign up (and sometimes even if you don’t), but you can also check Costco.com to see the latest flyers, too.

The best way, however, may be to download the Costco mobile app. There, you can not only see the sales flyers, but also make shopping lists to make sure you don’t forget any deals.

4. Visit the gift card kiosk

Some people may say gift cards are impersonal, but I disagree. Sometimes they’re exactly the right gift. (This is especially true for teenagers, second only to cash.)

Costco is one of my favorite places to buy gift cards, whether I’m gifting them or not. You can find gift cards from all kinds of popular restaurants and retailers, and they’re all sold at a discount.

Discounts vary, but they average about 20% off the face value. Head into the store to get physical cards for gifting.

5. Buy holiday hosting supplies in bulk

Most of the time I actively advise against buying Costco-sized perishables, but the holiday hosting season is probably the best time. With many mouths to feed, you’ll likely use it all up before it goes bad, and you’ll probably save money over the grocery store.

(If you’re going to have the in-laws, the outlaws, and the weird cousins over to visit all at once, it’s probably a good idea to stuff them so full of Costco cheese they can’t argue.)

Pro tip: Have a long gift list to cover? Make the most of a big holiday shopping bill by opening a new sign-up bonus credit card.

6. Compare prices with other retailers

Costco is good at competitive pricing, but even the wholesale giant isn’t the best deal every time. In my experience, this is especially true when you’re looking at brand-name electronics and small appliances around the holidays

Everyone has sales right now. Those sales seem to be changing every few days, and discounts can vary wildly between retailers.

You should be checking with multiple retailers — Walmart, Target, Best Buy, the mom-and-pop shop down the road, everyone — to find the best deal for any major gifts on your list. This could be a huge savings difference for big-ticket items.

7. Remember Costco’s return policy

You’ll be hard-pressed to find a return policy as generous as Costco, which takes returns at pretty much any time for a large chunk of its inventory. This can be very handy during the holidays since Costco doesn’t price match, so you’ll need to make a return if you find a better deal later.

That said, not everything in the store has the same near-limitless return window. There are a few key exceptions, including major electronics, like TVs and tablets, as well as stuff like drones, smart watches, and cellphones, which can only be returned within 90 days.

Some items, including alcohol and live performance tickets, may not be returnable at all, so keep that in mind when you make your purchase.

Looking for an easy way to earn cash back at Costco? Learn our simple strategy for maximizing rewards on Costco purchases.

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!

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.Brittney Myers has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Travel can be exciting, but getting to your destination isn’t always fun, especially if you’re flying. Dealing with busy airports, long layovers, and cramped plane seats is not ideal. 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. You may wonder if upgrading your airfare to business class is worthwhile for some trips. Not having to sit in economy could improve your entire travel experience. Still deciding whether to spring for a seat upgrade? Here are some considerations to help you decide whether a business-class flight upgrade is worth the money.Consider the route, departure and arrival times, and flight length Before spending money on an airfare upgrade, you should review the flight’s details. I’ll likely never upgrade my ticket for a flight that is four hours or less. Why? I can deal with some slight discomfort for a few hours if it will save me hundreds or thousands of dollars. But if I’m taking a long-haul flight overnight and will arrive early the next morning, I may consider an upgrade so I can arrive at my destination more rested and relaxed. Consider these factors when determining whether you should spend more money on an upgrade. In some situations, it may be worthwhile. But you don’t want to spend a lot of money on an upgrade only to regret it because it didn’t improve your trip experience much. Want to earn travel rewards? It’s easy to get rewarded with the right travel rewards credit card. Click here to review our curated list of top travel credit cards with big rewards. Consider the amenities provided and your travel preferencesNot all seat or ticket upgrades are created equal. You may get fewer perks when upgrading with one airline over another. Depending on what in-flight and airport amenities you value, it may be worthwhile to upgrade your existing ticket. If you’re upgrading to business or first class, the amenities may be more plentiful. You might decide to upgrade to get a lie-flat seat so you can rest and be more comfortable. There may be better entertainment and food options. You might qualify for free airport lounge access before your flight. Before swiping your credit card, be sure to research what is included with an upgrade. This way, you can decide if you’ll get value from and truly appreciate the upgrade opportunity. Related: Find out why this Chase card tops our best travel cards list. Do the math to see if the added cost makes sense Not all upgrades are a good deal. But if you’re considering investing in a better seat for an upcoming flight, do the math to see if it makes sense. Ask yourself if the perks match the additional cost. If it’s an affordable upgrade, it may be worthwhile. Most importantly, always keep your finances in mind. The last thing you want to do is rack up expensive credit card debt because you charged your card for a flight upgrade that was beyond your financial means. Only spend what you can afford. Here’s how to upgrade your flightHere are a few ways to upgrade to business class: Pay with cash through in-app upgrade offers: Many airlines have in-app upgrade offers. If you like an offer and want to upgrade your ticket, you can accept an offer and pay with a credit card. I’ve done this several times before when the price felt fair. Use miles: You may be able to upgrade your ticket using miles. Before doing this, check to see if it’s a good use of your miles or if saving them for another redemption is a better choice. Bid on an upgrade: Some airlines allow you to bid on an upgrade. You decide how much you’d be willing to pay. The airline will upgrade your ticket before takeoff if your offer is accepted. No matter what — before spending money or miles on an upgrade, carefully consider whether it’s a good choice for you. If an upgrade will increase comfort, you value the perks provided, and is a good price, it may be worthwhile. 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.JPMorgan Chase is an advertising partner of Motley Fool Money. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Travel can be exciting, but getting to your destination isn’t always fun, especially if you’re flying. Dealing with busy airports, long layovers, and cramped plane seats is not ideal.

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.

You may wonder if upgrading your airfare to business class is worthwhile for some trips. Not having to sit in economy could improve your entire travel experience. Still deciding whether to spring for a seat upgrade? Here are some considerations to help you decide whether a business-class flight upgrade is worth the money.

Consider the route, departure and arrival times, and flight length

Before spending money on an airfare upgrade, you should review the flight’s details.

I’ll likely never upgrade my ticket for a flight that is four hours or less. Why? I can deal with some slight discomfort for a few hours if it will save me hundreds or thousands of dollars.

But if I’m taking a long-haul flight overnight and will arrive early the next morning, I may consider an upgrade so I can arrive at my destination more rested and relaxed.

Consider these factors when determining whether you should spend more money on an upgrade. In some situations, it may be worthwhile. But you don’t want to spend a lot of money on an upgrade only to regret it because it didn’t improve your trip experience much.

Want to earn travel rewards? It’s easy to get rewarded with the right travel rewards credit card. Click here to review our curated list of top travel credit cards with big rewards.

Consider the amenities provided and your travel preferences

Not all seat or ticket upgrades are created equal. You may get fewer perks when upgrading with one airline over another. Depending on what in-flight and airport amenities you value, it may be worthwhile to upgrade your existing ticket.

If you’re upgrading to business or first class, the amenities may be more plentiful. You might decide to upgrade to get a lie-flat seat so you can rest and be more comfortable. There may be better entertainment and food options. You might qualify for free airport lounge access before your flight.

Before swiping your credit card, be sure to research what is included with an upgrade. This way, you can decide if you’ll get value from and truly appreciate the upgrade opportunity.

Related: Find out why this Chase card tops our best travel cards list.

Do the math to see if the added cost makes sense

Not all upgrades are a good deal. But if you’re considering investing in a better seat for an upcoming flight, do the math to see if it makes sense. Ask yourself if the perks match the additional cost. If it’s an affordable upgrade, it may be worthwhile.

Most importantly, always keep your finances in mind. The last thing you want to do is rack up expensive credit card debt because you charged your card for a flight upgrade that was beyond your financial means. Only spend what you can afford.

Here’s how to upgrade your flight

Here are a few ways to upgrade to business class:

Pay with cash through in-app upgrade offers: Many airlines have in-app upgrade offers. If you like an offer and want to upgrade your ticket, you can accept an offer and pay with a credit card. I’ve done this several times before when the price felt fair.

Use miles: You may be able to upgrade your ticket using miles. Before doing this, check to see if it’s a good use of your miles or if saving them for another redemption is a better choice.

Bid on an upgrade: Some airlines allow you to bid on an upgrade. You decide how much you’d be willing to pay. The airline will upgrade your ticket before takeoff if your offer is accepted.

No matter what — before spending money or miles on an upgrade, carefully consider whether it’s a good choice for you. If an upgrade will increase comfort, you value the perks provided, and is a good price, it may be worthwhile.

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.JPMorgan Chase is an advertising partner of Motley Fool Money. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends JPMorgan Chase. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
If you’ve ever read anything I’ve written for Motley Fool Money, you’ll know I am a Costco superfan. I love all the discounts and exploring the new things that appear in my local warehouse like magic. It’s super awesome!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, did you know that there are perks to your Costco membership that go well beyond the shopping cart? It’s true. Members get all kinds of bonuses.Have you ever noticed the little kiosks and displays on the way out of the place? You know, the ones with all the flyers? They tell you about some of the extra benefits of being a Costco member. But I get it, you’re tired by the time you’ve gotten to that point and may hardly notice. So I’m here to tell you about some of the most underrated perks of being a Costco member.1. Home and installation servicesIf you’re both a Costco member and a homeowner, I’ve got some news for you. Costco partners with a bunch of local professionals who can help you with home remodeling or upgrading. That’s in addition to selling some building supplies (they’re over by the ladders and housewares), as well as appliances.For example, your Costco membership includes flooring and carpet, window treatments, and even solar panel installation. These often also come with a Costco Shop Card as a bonus for choosing a Costco-affiliated expert.Learn more about how you can save even more on home and installation services with our top Costco money-saving strategy.2. Discounts on new carsHave you ever been at a car dealership for so long that you thought maybe you’d just get a little cot in the corner and call it your new home? I have, and it was not at all enjoyable. That’s why I was so excited to learn about the Costco Auto Program.Instead of spending hours upon hours dealing with car dealerships, Costco does all the hard work for you. Not only does it negotiate pricing on popular new and used cars, Costco also offers incentives on specific models, ranging from $1,000 to $2,000. Right now through Jan. 2, 2025, holiday specials are available for new vehicles from Volvo, Chevrolet, GMC, Cadillac, and Polestar, but this list can and does change.Between the discounts and the transparency, you’re not going to want to buy your next car any other way. Forget long waits at the dealership, and let Costco be your automotive wingman. Membership has its benefits.3. Small business supportCostco offers a range of services for small businesses. That starts with the little things like filling the water cooler and personalized checkbooks. But it also includes much bigger things like access to group plans for medical and dental insurance through the CBC Health Insurance Marketplace for Costco Members.Payment processing services through Elavon are also available, whether your business is bricks, clicks, or a combination of the two.In addition to these services, Costco Business Centers sell business-focused bulk products. You can do things like stock a restaurant or fill your office supply closet with more paper products than might be advisable. You can even invest in bulk groceries and beverages for your office kitchen or vending machine business.Costco: Join for the groceries, stay for the perksThese are just a few of the perks that come with being a Costco member, which is what makes Costco so amazing. There’s literally a perk for everyone if you dig deep enough into the relationships it’s made with other companies. From travel discounts to discounts on pet insurance, it’s just raining discounts up in here.You can save even more on these many benefits of Costco by paying with one of these cash back cards that will return 2% to 3% of your spending to you. If you have an Executive membership, it will pay an additional 2% back that can be stacked with the rewards you get from these cards.There are just so many ways to save at Costco, the possibilities are endless.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!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.Kristi Waterworth has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

If you’ve ever read anything I’ve written for Motley Fool Money, you’ll know I am a Costco superfan. I love all the discounts and exploring the new things that appear in my local warehouse like magic. It’s super awesome!

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, did you know that there are perks to your Costco membership that go well beyond the shopping cart? It’s true. Members get all kinds of bonuses.

Have you ever noticed the little kiosks and displays on the way out of the place? You know, the ones with all the flyers? They tell you about some of the extra benefits of being a Costco member. But I get it, you’re tired by the time you’ve gotten to that point and may hardly notice. So I’m here to tell you about some of the most underrated perks of being a Costco member.

1. Home and installation services

If you’re both a Costco member and a homeowner, I’ve got some news for you. Costco partners with a bunch of local professionals who can help you with home remodeling or upgrading. That’s in addition to selling some building supplies (they’re over by the ladders and housewares), as well as appliances.

For example, your Costco membership includes flooring and carpet, window treatments, and even solar panel installation. These often also come with a Costco Shop Card as a bonus for choosing a Costco-affiliated expert.

Learn more about how you can save even more on home and installation services with our top Costco money-saving strategy.

2. Discounts on new cars

Have you ever been at a car dealership for so long that you thought maybe you’d just get a little cot in the corner and call it your new home? I have, and it was not at all enjoyable. That’s why I was so excited to learn about the Costco Auto Program.

Instead of spending hours upon hours dealing with car dealerships, Costco does all the hard work for you. Not only does it negotiate pricing on popular new and used cars, Costco also offers incentives on specific models, ranging from $1,000 to $2,000. Right now through Jan. 2, 2025, holiday specials are available for new vehicles from Volvo, Chevrolet, GMC, Cadillac, and Polestar, but this list can and does change.

Between the discounts and the transparency, you’re not going to want to buy your next car any other way. Forget long waits at the dealership, and let Costco be your automotive wingman. Membership has its benefits.

3. Small business support

Costco offers a range of services for small businesses. That starts with the little things like filling the water cooler and personalized checkbooks. But it also includes much bigger things like access to group plans for medical and dental insurance through the CBC Health Insurance Marketplace for Costco Members.

Payment processing services through Elavon are also available, whether your business is bricks, clicks, or a combination of the two.

In addition to these services, Costco Business Centers sell business-focused bulk products. You can do things like stock a restaurant or fill your office supply closet with more paper products than might be advisable. You can even invest in bulk groceries and beverages for your office kitchen or vending machine business.

Costco: Join for the groceries, stay for the perks

These are just a few of the perks that come with being a Costco member, which is what makes Costco so amazing. There’s literally a perk for everyone if you dig deep enough into the relationships it’s made with other companies. From travel discounts to discounts on pet insurance, it’s just raining discounts up in here.

You can save even more on these many benefits of Costco by paying with one of these cash back cards that will return 2% to 3% of your spending to you. If you have an Executive membership, it will pay an additional 2% back that can be stacked with the rewards you get from these cards.

There are just so many ways to save at Costco, the possibilities are endless.

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!

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.Kristi Waterworth has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
If you feel like driving is more expensive than ever, you’re not alone. Car ownership costs — including auto insurance — have increased dramatically in recent years. According to Motley Fool Money research, the average cost of car ownership was $12,078 in 2023. Just 10 years earlier, in 2013, car ownership only cost $8,467.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. That means the cost of owning a car has skyrocketed by 43% in the past 10 years.Let’s look at what the rising costs of car ownership mean for your bank account — and see how you can find the best deals on auto insurance and auto loans in 2025.Why cars are so expensive nowCar ownership is one area of American life that’s been hit hardest by rising inflation in recent years. Most Americans not only own cars, but also need them to get to work, school, shop, and more. As such, it’s no wonder that the high costs of car ownership can feel especially painful.Here are the three biggest costs of car ownership, according to Bureau of Labor Statistics data:Vehicle purchases (net outlay): $5,539 (46% of overall cost)Gas, other fuels, and motor oil: $2,694 (22% of overall cost)Auto insurance: $1,775 (15% of overall cost)For drivers who want to lower the costs of car ownership, one obvious answer is to buy a lower-priced car. But that’s not always an easy option. New cars keep getting more expensive with more advanced features, and lower-priced used cars are not always available. The price of gas is also outside our control as it can go up or down based on fluctuations in the global economy. And owning a hybrid or electric vehicle is not always cheaper.But here’s one thing that drivers can do to reduce the cost of car ownership: Shop around for car insurance. Click here to see our curated list of the best car insurance companies — and learn how different companies could offer lower rates on auto insurance.Good news: Cars might get more affordable soonThe U.S. auto market is always changing, as car companies try to make profits and customers decide when to buy new vehicles and when to walk away from the dealership. Just because the cost of car ownership has gone up by almost 50% in the past 10 years doesn’t mean that cars will stay unaffordable for everyone forever.Recent data from Kelley Blue Book found that new cars got more affordable in October 2024. It looks at both prices and the time it will take to pay off an average car.The average new car sold for $48,623 in October — that’s a lot of money, but Americans’ average wages have gone up, too. Kelley Blue Book says that the average American would need to work 37.4 weeks to pay off the average new car sale price. That’s better affordability than America has seen since August 2021.The U.S. auto market might be getting a little more customer-friendly, especially for drivers with a good credit score. That’s because auto loan rates might be coming down, too.Fed rate cuts = cheaper auto loan ratesThis September and November, the Federal Reserve announced rate cuts totaling 0.75%. These rate cuts will cause the interest rates on auto loans to go down. It might not happen immediately for every car buyer. But for people with good credit who are buying a newer vehicle, auto loan APRs might start to fall by the end of 2024 and into 2025.Some of the best auto loans right now are offering 6% APR (or lower) for qualified borrowers. Anyone who wants to reduce their car ownership costs might want to start by improving their credit score. Better credit can help save hundreds of dollars per year, or thousands of dollars total, on the cost of a car loan.Bottom lineOwning a car has gotten shockingly expensive for many Americans. But even though the sale price of new cars, the cost of gasoline, and some aspects of auto insurance rates are outside our control, drivers still have choices.To cut car ownership costs, start by shopping around for better prices on car insurance. And to save money on auto loan interest for future car purchases, try to boost your credit score before you’re in the market for a new (or used) vehicle.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”:”

If you feel like driving is more expensive than ever, you’re not alone. Car ownership costs — including auto insurance — have increased dramatically in recent years. According to Motley Fool Money research, the average cost of car ownership was $12,078 in 2023. Just 10 years earlier, in 2013, car ownership only cost $8,467.

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.

That means the cost of owning a car has skyrocketed by 43% in the past 10 years.

Let’s look at what the rising costs of car ownership mean for your bank account — and see how you can find the best deals on auto insurance and auto loans in 2025.

Why cars are so expensive now

Car ownership is one area of American life that’s been hit hardest by rising inflation in recent years. Most Americans not only own cars, but also need them to get to work, school, shop, and more. As such, it’s no wonder that the high costs of car ownership can feel especially painful.

Here are the three biggest costs of car ownership, according to Bureau of Labor Statistics data:

1. Vehicle purchases (net outlay): $5,539 (46% of overall cost)
2. Gas, other fuels, and motor oil: $2,694 (22% of overall cost)
3. Auto insurance: $1,775 (15% of overall cost)

For drivers who want to lower the costs of car ownership, one obvious answer is to buy a lower-priced car. But that’s not always an easy option. New cars keep getting more expensive with more advanced features, and lower-priced used cars are not always available. The price of gas is also outside our control as it can go up or down based on fluctuations in the global economy. And owning a hybrid or electric vehicle is not always cheaper.

But here’s one thing that drivers can do to reduce the cost of car ownership: Shop around for car insurance. Click here to see our curated list of the best car insurance companies — and learn how different companies could offer lower rates on auto insurance.

Good news: Cars might get more affordable soon

The U.S. auto market is always changing, as car companies try to make profits and customers decide when to buy new vehicles and when to walk away from the dealership. Just because the cost of car ownership has gone up by almost 50% in the past 10 years doesn’t mean that cars will stay unaffordable for everyone forever.

Recent data from Kelley Blue Book found that new cars got more affordable in October 2024. It looks at both prices and the time it will take to pay off an average car.

The average new car sold for $48,623 in October — that’s a lot of money, but Americans’ average wages have gone up, too. Kelley Blue Book says that the average American would need to work 37.4 weeks to pay off the average new car sale price. That’s better affordability than America has seen since August 2021.

The U.S. auto market might be getting a little more customer-friendly, especially for drivers with a good credit score. That’s because auto loan rates might be coming down, too.

Fed rate cuts = cheaper auto loan rates

This September and November, the Federal Reserve announced rate cuts totaling 0.75%. These rate cuts will cause the interest rates on auto loans to go down. It might not happen immediately for every car buyer. But for people with good credit who are buying a newer vehicle, auto loan APRs might start to fall by the end of 2024 and into 2025.

Some of the best auto loans right now are offering 6% APR (or lower) for qualified borrowers. Anyone who wants to reduce their car ownership costs might want to start by improving their credit score. Better credit can help save hundreds of dollars per year, or thousands of dollars total, on the cost of a car loan.

Bottom line

Owning a car has gotten shockingly expensive for many Americans. But even though the sale price of new cars, the cost of gasoline, and some aspects of auto insurance rates are outside our control, drivers still have choices.

To cut car ownership costs, start by shopping around for better prices on car insurance. And to save money on auto loan interest for future car purchases, try to boost your credit score before you’re in the market for a new (or used) vehicle.

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 

[[{“value”:”Image source: Getty Images
Investing for retirement is one of those things that’s best done as early as possible. Ideally when you start your career and are still in your 20s. But there are many reasons why that might not work out.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. I’m a brand-new retirement investor, having opened my first-ever retirement account just a few months ago at age 40. Here’s how I arrived at this place — and what I intend to do now that I’m here.A late start to saving for retirementHow did I come to be a middle-aged first-time retirement investor? There are a combination of factors. But the throughlines were living paycheck to paycheck on low salaries in my last career, along with needing to pay off student loans.I also didn’t know anything about investing. I grew up in a household with multiple small businesses and an often shaky financial situation, rather than with parents with office jobs who contributed diligently to employer-provided retirement accounts.When I changed careers from nonprofit museum operations and management in 2021 to digital content creation, I also started freelancing. I later ditched W-2 employment to become a full-time freelancer. I also focused on paying off high-interest debt and saving money to buy a house (a goal I prioritized, with the aim of improving my current living situation).Finally, a few months ago, I got my long-anticipated mortgage and new home. That meant I had the solid financial foundation I needed to start investing. I decided to open a traditional IRA with a financial institution where I already have a checking and high-yield savings account. I opted for a robo-advisor account to make the process as painless as possible.Will investing still pay off at this point?I will need to invest noticeably more money to achieve my goals than I would have had I started earlier. Even so, it’s still worth investing now. Compound interest will still work to my benefit, even over a shorter period of time.Let’s say I wanted to have $500,000 in my IRA by the time I reached age 65. Here’s a look at how much I’ll need to contribute every month to make that a reality, now at age 40 vs. starting when I was 25. This is based on an initial contribution of $1,000 and a fairly conservative 8% return:Years Investing at an 8% ReturnMonthly Contribution Required to Reach $500,00040 years$153.8525 years$562.14Data source: Author’s calculations, using Investor.gov Savings Goal Calculator.With this target in mind, I’ve set up automatic contributions of $125 a week to my IRA. This doesn’t quite get me to my annual contribution limit of $7,000, but it’s close enough that I’ll be able to make up the difference by contributing extra money a few times a year. And when I turn 50, I’ll be able to add even more to the account in the form of a catch-up contribution (currently $1,000, but I expect IRS limits to change over the next decade).Three steps to start building a nest egg todayAre you like me, seeing more wrinkles and the occasional gray hair in the mirror and wondering if it’s too late to invest for retirement? Good news — it’s not. Here’s how to get started.1. Choose a stock brokerGood news on this front — we’ve done the hard work for you. Click here for a list of expert-reviewed stock brokers. Many of them offer tax-advantaged retirement accounts along with taxable options.You can also check out our favorite brokers for IRAs specifically. And if your employer offers a 401(k), it’s worth considering, especially if a portion of your contributions will be matched as that’s free money.2. Consider a robo-advisorI have many skills, but I have a decided lack of experience choosing investments (and not a whole lot of time and energy to spend learning how). So I opted for an IRA with a broker that offers robo-advisory services. It’s cheaper than using a human advisor, and it was very easy to set up. Check out our picks for the best robo-advisors for beginners.I filled out a questionnaire to determine my risk tolerance and goals for investing and opened the account with $1,000. The contributions I make every week are invested for me automatically in a diversified mix of ETFs and bonds — no muss, no fuss.3. Set up automatic contributionsI’m the first to admit that I’m generally not a fan of auto-paying bills and automatic savings account transfers. But investing is different. I don’t want to risk forgetting to make these all-important transfers for my future financial security. My automatic contributions are weekly and reasonably small enough that I’m not worried about overdrafting my checking account.Slow and steady wins the raceI do feel a pang of regret when I look at the math and see that I could’ve reached a sizable nest egg by age 65 with a lot less money had I started 15 years ago. But I can’t go back in time — gotta keep moving forward. I’m happy that I managed to find my way to investing for retirement eventually.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”:”

Investing for retirement is one of those things that’s best done as early as possible. Ideally when you start your career and are still in your 20s. But there are many reasons why that might not work out.

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.

I’m a brand-new retirement investor, having opened my first-ever retirement account just a few months ago at age 40. Here’s how I arrived at this place — and what I intend to do now that I’m here.

A late start to saving for retirement

How did I come to be a middle-aged first-time retirement investor? There are a combination of factors. But the throughlines were living paycheck to paycheck on low salaries in my last career, along with needing to pay off student loans.

I also didn’t know anything about investing. I grew up in a household with multiple small businesses and an often shaky financial situation, rather than with parents with office jobs who contributed diligently to employer-provided retirement accounts.

When I changed careers from nonprofit museum operations and management in 2021 to digital content creation, I also started freelancing. I later ditched W-2 employment to become a full-time freelancer. I also focused on paying off high-interest debt and saving money to buy a house (a goal I prioritized, with the aim of improving my current living situation).

Finally, a few months ago, I got my long-anticipated mortgage and new home. That meant I had the solid financial foundation I needed to start investing. I decided to open a traditional IRA with a financial institution where I already have a checking and high-yield savings account. I opted for a robo-advisor account to make the process as painless as possible.

Will investing still pay off at this point?

I will need to invest noticeably more money to achieve my goals than I would have had I started earlier. Even so, it’s still worth investing now. Compound interest will still work to my benefit, even over a shorter period of time.

Let’s say I wanted to have $500,000 in my IRA by the time I reached age 65. Here’s a look at how much I’ll need to contribute every month to make that a reality, now at age 40 vs. starting when I was 25. This is based on an initial contribution of $1,000 and a fairly conservative 8% return:

With this target in mind, I’ve set up automatic contributions of $125 a week to my IRA. This doesn’t quite get me to my annual contribution limit of $7,000, but it’s close enough that I’ll be able to make up the difference by contributing extra money a few times a year. And when I turn 50, I’ll be able to add even more to the account in the form of a catch-up contribution (currently $1,000, but I expect IRS limits to change over the next decade).

Three steps to start building a nest egg today

Are you like me, seeing more wrinkles and the occasional gray hair in the mirror and wondering if it’s too late to invest for retirement? Good news — it’s not. Here’s how to get started.

1. Choose a stock broker

Good news on this front — we’ve done the hard work for you. Click here for a list of expert-reviewed stock brokers. Many of them offer tax-advantaged retirement accounts along with taxable options.

You can also check out our favorite brokers for IRAs specifically. And if your employer offers a 401(k), it’s worth considering, especially if a portion of your contributions will be matched as that’s free money.

2. Consider a robo-advisor

I have many skills, but I have a decided lack of experience choosing investments (and not a whole lot of time and energy to spend learning how). So I opted for an IRA with a broker that offers robo-advisory services. It’s cheaper than using a human advisor, and it was very easy to set up. Check out our picks for the best robo-advisors for beginners.

I filled out a questionnaire to determine my risk tolerance and goals for investing and opened the account with $1,000. The contributions I make every week are invested for me automatically in a diversified mix of ETFs and bonds — no muss, no fuss.

3. Set up automatic contributions

I’m the first to admit that I’m generally not a fan of auto-paying bills and automatic savings account transfers. But investing is different. I don’t want to risk forgetting to make these all-important transfers for my future financial security. My automatic contributions are weekly and reasonably small enough that I’m not worried about overdrafting my checking account.

Slow and steady wins the race

I do feel a pang of regret when I look at the math and see that I could’ve reached a sizable nest egg by age 65 with a lot less money had I started 15 years ago. But I can’t go back in time — gotta keep moving forward. I’m happy that I managed to find my way to investing for retirement eventually.

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 

[[{“value”:”Image source: Getty Images
Is it ever a good idea to purchase an item from a retailer charging more for something you want to buy? Honestly, yes — especially if that retailer is Costco. I’m not talking about instances where the Costco price for a laptop or stove is significantly higher than that of Best Buy, Amazon, Target, or another store.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!But before you write off buying something at Costco because it costs $10 or $20 more there, consider this list of reasons it might be worth paying a smidge more.1. Return policyCostco has a widely lauded return policy, and it’s surely a major reason to shop there. I don’t recommend taking unfair advantage of this policy — just because you can return a couch years after you bought it doesn’t mean you should. But if you have a genuine complaint or problem with something you’ve bought at Costco, chances are you’ll be able to return it with no questions asked.The exceptions to this policy include gift cards, cigarettes, event tickets, and gold bullion. It’s also worth noting that you only get 90 days to return electronics and major appliances — but as you’ll see below, this likely doesn’t amount to a drawback given all the benefits of buying these from Costco.2. Included perksThe perks you’re entitled to depend on what kind of item you’re buying from Costco. For example, if you buy a major appliance, like a refrigerator or a clothes dryer, from Costco.com, you’ll get free delivery and installation, hauling away of your old appliance, and basic parts for that installation. If you buy appliances through Costco Direct, it means extra savings the more you buy — buy three appliances and you’ll save $200, for example.Some items come with a free extended warranty, too. Costco extends the manufacturer’s warranty for up to two years from the date you buy a TV, computer, projector, or major appliance. I don’t recommend paying for an extended warranty, but if you can get one for free, what’s not to like?3. IT supportIf you’re not super tech savvy, the prospect of buying a new TV or computer could be anxiety-inducing — sure, you get a shiny new device, but you’ll have to figure out how to set it up to your liking. And what if something goes wrong!?Well, when you buy a TV, computer, appliance, or even hearing aids from Costco, you’ll get to take advantage of the warehouse giant’s technical services. On its website, you’ll find troubleshooting guides and advice for all kinds of devices, plus a phone number to call if you need human assistance with getting your new laptop configured — just have your membership number and device’s serial number handy.4. Maximizing your Executive membershipYou’re paying for a Costco membership, so be sure you’re getting your money’s worth. This is especially crucial if you’ve sprung for the Executive membership, which costs twice as much as the entry-level Gold Star membership, but comes with a few notable benefits.The biggest perk of this membership by far is getting to earn 2% cash back across most Costco purchases, up to $1,250 per year. So if the price of a given item is less than 2% higher at Costco than somewhere else, it’s worth buying there, as you’ll come out ahead and get to maximize your Costco rewards.5. Credit card rewardsFinally, ideally you’re using a rewards credit card for your purchases and taking advantage of the chance to earn points or cash back on your spending. Here again, if the price you’re paying for a given item at Costco isn’t too high to outweigh the value of those rewards, you’ll benefit.The trick is choosing a card that pays bonus rewards for warehouse clubs, and luckily, we’ve done the hard work for you. Need a new credit card for Costco? Click here for our picks for the best Costco rewards credit cards.Costco membership offers a lot of perks, and that often includes lower prices on some items. Shop around before you make a big purchase, but don’t forget to consider the other potential benefits of buying the item from 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.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, Best Buy, Costco Wholesale, and Target. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Is it ever a good idea to purchase an item from a retailer charging more for something you want to buy? Honestly, yes — especially if that retailer is Costco. I’m not talking about instances where the Costco price for a laptop or stove is significantly higher than that of Best Buy, Amazon, Target, or another store.

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!

But before you write off buying something at Costco because it costs $10 or $20 more there, consider this list of reasons it might be worth paying a smidge more.

1. Return policy

Costco has a widely lauded return policy, and it’s surely a major reason to shop there. I don’t recommend taking unfair advantage of this policy — just because you can return a couch years after you bought it doesn’t mean you should. But if you have a genuine complaint or problem with something you’ve bought at Costco, chances are you’ll be able to return it with no questions asked.

The exceptions to this policy include gift cards, cigarettes, event tickets, and gold bullion. It’s also worth noting that you only get 90 days to return electronics and major appliances — but as you’ll see below, this likely doesn’t amount to a drawback given all the benefits of buying these from Costco.

2. Included perks

The perks you’re entitled to depend on what kind of item you’re buying from Costco. For example, if you buy a major appliance, like a refrigerator or a clothes dryer, from Costco.com, you’ll get free delivery and installation, hauling away of your old appliance, and basic parts for that installation. If you buy appliances through Costco Direct, it means extra savings the more you buy — buy three appliances and you’ll save $200, for example.

Some items come with a free extended warranty, too. Costco extends the manufacturer’s warranty for up to two years from the date you buy a TV, computer, projector, or major appliance. I don’t recommend paying for an extended warranty, but if you can get one for free, what’s not to like?

3. IT support

If you’re not super tech savvy, the prospect of buying a new TV or computer could be anxiety-inducing — sure, you get a shiny new device, but you’ll have to figure out how to set it up to your liking. And what if something goes wrong!?

Well, when you buy a TV, computer, appliance, or even hearing aids from Costco, you’ll get to take advantage of the warehouse giant’s technical services. On its website, you’ll find troubleshooting guides and advice for all kinds of devices, plus a phone number to call if you need human assistance with getting your new laptop configured — just have your membership number and device’s serial number handy.

4. Maximizing your Executive membership

You’re paying for a Costco membership, so be sure you’re getting your money’s worth. This is especially crucial if you’ve sprung for the Executive membership, which costs twice as much as the entry-level Gold Star membership, but comes with a few notable benefits.

The biggest perk of this membership by far is getting to earn 2% cash back across most Costco purchases, up to $1,250 per year. So if the price of a given item is less than 2% higher at Costco than somewhere else, it’s worth buying there, as you’ll come out ahead and get to maximize your Costco rewards.

5. Credit card rewards

Finally, ideally you’re using a rewards credit card for your purchases and taking advantage of the chance to earn points or cash back on your spending. Here again, if the price you’re paying for a given item at Costco isn’t too high to outweigh the value of those rewards, you’ll benefit.

The trick is choosing a card that pays bonus rewards for warehouse clubs, and luckily, we’ve done the hard work for you. Need a new credit card for Costco? Click here for our picks for the best Costco rewards credit cards.

Costco membership offers a lot of perks, and that often includes lower prices on some items. Shop around before you make a big purchase, but don’t forget to consider the other potential benefits of buying the item from 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.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, Best Buy, Costco Wholesale, and Target. The Motley Fool has a disclosure policy.

“}]] Read More