Money Management

[[{“value”:”Image source: Getty Images
There’s a lot to love about Costco, from its great deals on in-store and online items to its food court, which can come in handy on those nights you don’t feel like cooking. Its main drawback, if you could call it that, is that you have to pay for the privilege to shop there.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!Memberships range from $65 per year for Gold Star members to $130 per year for Executive tier members. That might easily be worth it if you’re there every week. But if you visit Costco infrequently, you might question whether it’s actually worth it for you to renew yours. Fortunately, it’s not too difficult to figure out the answer.It’s simple mathThe question you have to ask yourself is whether the amount you save each year by shopping at Costco is greater than the membership fee you’re paying. If the answer is yes, it’s worth hanging onto. And if not, you could benefit by canceling it.Figuring this out requires a little price comparison. Look at what you buy in a typical month at Costco and compare what you paid there to the cost of the same or comparable items at other retailers. If you’re ordering online, don’t forget to factor in shipping costs.If you own a credit card that offers bonus rewards at Costco or wholesale clubs, consider the rewards you’re earning as well. And if you don’t already have one but you shop at Costco all the time, check out some of our favorite Costco credit cards. They could help you shave even more off of Costco’s already low prices.Once you’ve got a rough idea of your monthly savings, multiply this by 12 to get an approximate annual savings. Compare this to the cost of your membership to decide if it’s worth holding onto. For example, if you can save $20 per month by shopping at Costco, that equals $240 per year, which easily justifies the Gold Star membership cost of only $65 a year.Canceling your Costco membership isn’t your only optionThose with Costco Executive memberships who are on the fence about renewing could also consider downgrading their membership instead of canceling it. To decide if this is worth it, review your total annual Costco spending from the last year.Only Executive members get 2% back on Costco purchases. If your annual Costco spending totals at least $3,250, then you’ll earn back the extra $65 you’ve spent on the Executive membership over a Gold Star membership.If you’re close to this amount, it might still be worth holding onto your Executive membership. Your spending habits could change and items get more expensive over time, so you might pass the $3,250 mark in the next year.Downgrading to the Gold Star membership could make sense, though, if you don’t think you’ll spend anywhere close to $3,250 at Costco this year. Doing this will help you save on your next year’s subscription, plus Costco will refund you the difference between the 2% back you earned and the $65 required to upgrade from the Gold Star to the Executive membership. For example, if you only earned $40 in cash back at the time you downgrade to a Gold Star membership, Costco will refund you $25.It’s ultimately your call. If you’re on the fence, you could always try canceling your Costco membership for a month or two and then seeing how you feel. If you realize your savings account is dwindling from the inflated prices you’re paying at the regular grocery store, you might decide then that renewing your membership is worth it.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.Kailey Hagen 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”:”

There’s a lot to love about Costco, from its great deals on in-store and online items to its food court, which can come in handy on those nights you don’t feel like cooking. Its main drawback, if you could call it that, is that you have to pay for the privilege to shop there.

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!

Memberships range from $65 per year for Gold Star members to $130 per year for Executive tier members. That might easily be worth it if you’re there every week. But if you visit Costco infrequently, you might question whether it’s actually worth it for you to renew yours. Fortunately, it’s not too difficult to figure out the answer.

It’s simple math

The question you have to ask yourself is whether the amount you save each year by shopping at Costco is greater than the membership fee you’re paying. If the answer is yes, it’s worth hanging onto. And if not, you could benefit by canceling it.

Figuring this out requires a little price comparison. Look at what you buy in a typical month at Costco and compare what you paid there to the cost of the same or comparable items at other retailers. If you’re ordering online, don’t forget to factor in shipping costs.

If you own a credit card that offers bonus rewards at Costco or wholesale clubs, consider the rewards you’re earning as well. And if you don’t already have one but you shop at Costco all the time, check out some of our favorite Costco credit cards. They could help you shave even more off of Costco’s already low prices.

Once you’ve got a rough idea of your monthly savings, multiply this by 12 to get an approximate annual savings. Compare this to the cost of your membership to decide if it’s worth holding onto. For example, if you can save $20 per month by shopping at Costco, that equals $240 per year, which easily justifies the Gold Star membership cost of only $65 a year.

Canceling your Costco membership isn’t your only option

Those with Costco Executive memberships who are on the fence about renewing could also consider downgrading their membership instead of canceling it. To decide if this is worth it, review your total annual Costco spending from the last year.

Only Executive members get 2% back on Costco purchases. If your annual Costco spending totals at least $3,250, then you’ll earn back the extra $65 you’ve spent on the Executive membership over a Gold Star membership.

If you’re close to this amount, it might still be worth holding onto your Executive membership. Your spending habits could change and items get more expensive over time, so you might pass the $3,250 mark in the next year.

Downgrading to the Gold Star membership could make sense, though, if you don’t think you’ll spend anywhere close to $3,250 at Costco this year. Doing this will help you save on your next year’s subscription, plus Costco will refund you the difference between the 2% back you earned and the $65 required to upgrade from the Gold Star to the Executive membership. For example, if you only earned $40 in cash back at the time you downgrade to a Gold Star membership, Costco will refund you $25.

It’s ultimately your call. If you’re on the fence, you could always try canceling your Costco membership for a month or two and then seeing how you feel. If you realize your savings account is dwindling from the inflated prices you’re paying at the regular grocery store, you might decide then that renewing your membership is worth it.

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.Kailey Hagen 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
Many people aren’t big fans of credit cards because using them carries the risk of going into debt. In fact, you’ll sometimes see people argue that debit cards linked to a checking account are better since you still get the same convenience of swiping your card but you don’t have to risk racking up a big balance.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. The reality, though, is that there are certain situations where using a credit card is undoubtedly going to be the smarter move — and not just because you can earn rewards. Here are three examples of circumstances where it virtually always makes sense to charge purchases instead of using another payment method.1. When you’re renting a carIf you are renting a car, you are going to want to use a credit card when you do it. Otherwise, life becomes a lot more complicated.Car rental companies prefer credit cards because they can charge your card after the fact if issues arise, such as unpaid tolls or a failure to fill up the gas tank. They can’t usually do this with a debit card since you have to enter your PIN for the transaction to go through.Since a car rental company takes a bigger risk of renting to you if you don’t have a card on file, you’ll usually need to make a deposit of several hundred dollars or will be subject to a hold in the amount of the estimated rental car charges when you pick up the vehicle. In other words, you’ll tie up a lot of money.This can be avoided with a credit card. Plus, some of the best credit cards come with rental car insurance, so you can get protection in case of loss without having to pay the car rental company extra for it.2. When you’re booking a tripIf you are booking travel, it often pays to use a credit card. Many credit cards offer a whole host of perks and protections, including trip interruption or cancellation insurance and protection against lost luggage. These cardholder perks can save you a fortune if something goes wrong with your vacation.If you are a frequent traveler, you can also get benefits that make your trips a lot more fun if you sign up for the right card. These could include perks like upgraded airline seats, access to airport lounges, priority boarding, or early check-in at hotels.Check out our picks for the best travel cards and sign up for one today to start taking advantage of these and other great benefits. You may even be able to find a card that offers you a generous sign-up bonus that makes part of your next vacation free.3. When you’re shopping onlineFinally, if you are shopping online, you should be using a credit card to do it. That’s because credit cards offer way better fraud protections, which is vital in this day and age when it seems like a new data breach happens every day.While there are laws protecting against losses in case of fraud when using both debit and credit cards, the protections are much better for credit cards. If you don’t report the loss or theft of a debit card in a timely manner, you could face virtually unlimited liability for fraudulent transactions. But the maximum liability for credit card fraud is either $0 or $50 depending on how quickly you report issues.Some credit cards also offer additional protections in case of other problems, such as return protection if a merchant doesn’t want to take back your item.In all of these situations, a credit card is your best bet. Check out our picks for the best credit cards to find one offering the rewards, perks and protections you need and be sure to use it the next time you book a trip, rent a car, or buy something over the internet.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”:”

Many people aren’t big fans of credit cards because using them carries the risk of going into debt. In fact, you’ll sometimes see people argue that debit cards linked to a checking account are better since you still get the same convenience of swiping your card but you don’t have to risk racking up a big balance.

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.

The reality, though, is that there are certain situations where using a credit card is undoubtedly going to be the smarter move — and not just because you can earn rewards. Here are three examples of circumstances where it virtually always makes sense to charge purchases instead of using another payment method.

1. When you’re renting a car

If you are renting a car, you are going to want to use a credit card when you do it. Otherwise, life becomes a lot more complicated.

Car rental companies prefer credit cards because they can charge your card after the fact if issues arise, such as unpaid tolls or a failure to fill up the gas tank. They can’t usually do this with a debit card since you have to enter your PIN for the transaction to go through.

Since a car rental company takes a bigger risk of renting to you if you don’t have a card on file, you’ll usually need to make a deposit of several hundred dollars or will be subject to a hold in the amount of the estimated rental car charges when you pick up the vehicle. In other words, you’ll tie up a lot of money.

This can be avoided with a credit card. Plus, some of the best credit cards come with rental car insurance, so you can get protection in case of loss without having to pay the car rental company extra for it.

2. When you’re booking a trip

If you are booking travel, it often pays to use a credit card. Many credit cards offer a whole host of perks and protections, including trip interruption or cancellation insurance and protection against lost luggage. These cardholder perks can save you a fortune if something goes wrong with your vacation.

If you are a frequent traveler, you can also get benefits that make your trips a lot more fun if you sign up for the right card. These could include perks like upgraded airline seats, access to airport lounges, priority boarding, or early check-in at hotels.

Check out our picks for the best travel cards and sign up for one today to start taking advantage of these and other great benefits. You may even be able to find a card that offers you a generous sign-up bonus that makes part of your next vacation free.

3. When you’re shopping online

Finally, if you are shopping online, you should be using a credit card to do it. That’s because credit cards offer way better fraud protections, which is vital in this day and age when it seems like a new data breach happens every day.

While there are laws protecting against losses in case of fraud when using both debit and credit cards, the protections are much better for credit cards. If you don’t report the loss or theft of a debit card in a timely manner, you could face virtually unlimited liability for fraudulent transactions. But the maximum liability for credit card fraud is either $0 or $50 depending on how quickly you report issues.

Some credit cards also offer additional protections in case of other problems, such as return protection if a merchant doesn’t want to take back your item.

In all of these situations, a credit card is your best bet. Check out our picks for the best credit cards to find one offering the rewards, perks and protections you need and be sure to use it the next time you book a trip, rent a car, or buy something over the internet.

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
Many people start to worry about money once they retire and stop working. And that’s understandable.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!It’s not easy to go from earning a paycheck to living on a fixed income. So any expense you pay for is something you should be getting great value from. And that extends to Costco.The good news is that retirees can actually benefit from a Costco membership in a number of different ways. Here’s how you can make the most of your Costco membership.1. Load up on vitamins and supplementsThe need for vitamins and supplements can increase as you get older. But all of those over-the-counter pills can get expensive.Enter Costco. Buying vitamins and supplements in bulk could help you save money while also lowering the risk of you running out too soon.As one example, the regular price for a 200-count bottle of Schiff Move Free Advanced Joint Supplement costs $27.99 at Costco.com, which brings the price per pill to $0.12. And that’s just the online price. At a Costco store, you’re likely to pay less, since online prices are commonly marked up a bit to account for the cost of shipping and handling.On Amazon, that same product is now on sale for $17.84 for a 120-count if you sign up for Subscribe & Save. But even with that discount, which is 41% off the usual price, you’re still paying $0.15 per pill.2. Use the right credit card for your purchasesCostco is known for its low prices. But did you know that using the right credit card when you shop there could result in even more savings?Take a look at this list of the best credit cards for Costco. Using one of these cards could put extra cash back in your pocket, allowing you to save even more money at a time when you may be on a pretty tight budget.3. Book your travel for lessBeing retired gives you more time to travel. Another great way to squeeze more value out of your membership is to book a vacation through Costco. You may find that you not only save money, but get access to unique itineraries and travel deals you won’t find elsewhere.Plus, when you book travel through Costco, you get the help of experienced travel professionals who can help you narrow down your choices. So if you’re not sure which vacation package best meets your needs, all you have to do is call and ask.4. Fill up your car at a lower price per gallonEven if you’re retired and no longer drive to work every day, you need to fill your tank at some point. And when you do, getting gas at Costco could lead to tremendous savings.Not only is Costco’s gas typically less expensive than what you’ll pay at nearby fuel stations, but it also carries the TOP TIER™ certification. This means it’s designed to clean your engine and lead to superior performance. Put another way, filling up at Costco might give you more miles per gallon, allowing you to stretch your budget nicely.5. Shop when the store is least crowded for a better experienceCostco tends to be a nightmare on weekends and during certain hours of the day. Some people have no choice but to hit Costco on a Saturday morning, or on a weekday evening once they’re done with their workday.But as a retiree, you likely have more flexibility in your schedule to visit the store when it’s most quiet. That generally means shopping during the day, or when the store first opens. Plus if you visit Costco during the day when people are at work, you’ll have less competition once those free food samples become available.If you’re on a fixed income, it’s important to make sure you’re getting great value from your Costco membership. Use these strategies to maximize your savings and make your Costco shopping experience even better.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.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Maurie Backman has positions in Amazon. The Motley Fool has positions in and recommends Amazon and Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Many people start to worry about money once they retire and stop working. And that’s understandable.

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!

It’s not easy to go from earning a paycheck to living on a fixed income. So any expense you pay for is something you should be getting great value from. And that extends to Costco.

The good news is that retirees can actually benefit from a Costco membership in a number of different ways. Here’s how you can make the most of your Costco membership.

1. Load up on vitamins and supplements

The need for vitamins and supplements can increase as you get older. But all of those over-the-counter pills can get expensive.

Enter Costco. Buying vitamins and supplements in bulk could help you save money while also lowering the risk of you running out too soon.

As one example, the regular price for a 200-count bottle of Schiff Move Free Advanced Joint Supplement costs $27.99 at Costco.com, which brings the price per pill to $0.12. And that’s just the online price. At a Costco store, you’re likely to pay less, since online prices are commonly marked up a bit to account for the cost of shipping and handling.

On Amazon, that same product is now on sale for $17.84 for a 120-count if you sign up for Subscribe & Save. But even with that discount, which is 41% off the usual price, you’re still paying $0.15 per pill.

2. Use the right credit card for your purchases

Costco is known for its low prices. But did you know that using the right credit card when you shop there could result in even more savings?

Take a look at this list of the best credit cards for Costco. Using one of these cards could put extra cash back in your pocket, allowing you to save even more money at a time when you may be on a pretty tight budget.

3. Book your travel for less

Being retired gives you more time to travel. Another great way to squeeze more value out of your membership is to book a vacation through Costco. You may find that you not only save money, but get access to unique itineraries and travel deals you won’t find elsewhere.

Plus, when you book travel through Costco, you get the help of experienced travel professionals who can help you narrow down your choices. So if you’re not sure which vacation package best meets your needs, all you have to do is call and ask.

4. Fill up your car at a lower price per gallon

Even if you’re retired and no longer drive to work every day, you need to fill your tank at some point. And when you do, getting gas at Costco could lead to tremendous savings.

Not only is Costco’s gas typically less expensive than what you’ll pay at nearby fuel stations, but it also carries the TOP TIER™ certification. This means it’s designed to clean your engine and lead to superior performance. Put another way, filling up at Costco might give you more miles per gallon, allowing you to stretch your budget nicely.

5. Shop when the store is least crowded for a better experience

Costco tends to be a nightmare on weekends and during certain hours of the day. Some people have no choice but to hit Costco on a Saturday morning, or on a weekday evening once they’re done with their workday.

But as a retiree, you likely have more flexibility in your schedule to visit the store when it’s most quiet. That generally means shopping during the day, or when the store first opens. Plus if you visit Costco during the day when people are at work, you’ll have less competition once those free food samples become available.

If you’re on a fixed income, it’s important to make sure you’re getting great value from your Costco membership. Use these strategies to maximize your savings and make your Costco shopping experience even better.

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.John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fool’s board of directors. Maurie Backman has positions in Amazon. The Motley Fool has positions in and recommends Amazon and Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Costco is known for its competitive prices. And that also extends to apparel.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!For example, right now, Costco is selling a Kirkland women’s fleece zip-up jacket for $21.99 online. And since Costco’s prices tend to be higher online than in stores, you might save even more money by buying this item at a local Costco warehouse. Meanwhile, an Amazon Essentials women’s fleece zip-up jacket might cost you $28.50 unless you happen to catch a sale.But saving money on the cost of apparel isn’t the only reason to buy winter clothing at Costco. Here are a few other reasons to stock up.1. You can make returns at any timeBuying clothing can be a tricky thing — especially if you have kids who are in between sizes. The great thing about buying clothing at Costco is that you can return it any time for a refund.Say you decide to buy a winter coat for your 8-year-old at Costco, only they’re between a size small and medium. You might buy the medium thinking they’ll grow into the coat at some point during the season, and they’ll wear their coat from last year until they do.Well, if your child never ends up needing that medium-sized coat, you can return it for a refund in the spring, summer, or even next winter if you so choose. It doesn’t get more flexible than that.2. You can earn serious cash backCostco members can earn cash back on winter apparel in a couple of ways. First, if you buy the store’s Executive membership for $130 a year (as opposed to $65 for a Gold Star membership), you’ll earn 2% cash back on your purchases.And even without the Executive membership, you can earn cash back on your Costco purchases by being strategic with the credit card you use to shop there. Check out this list of the best credit cards for Costco so you can maximize your rewards.3. You can save yourself a world of timeIf you’re a busy person, you may only have so much time to shop for clothing in addition to buying groceries and essential household products. Another benefit of buying winter clothing at Costco is getting to tackle two errands in a single trip.Plus, if you’re buying clothing for your kids, or for a partner who can’t make it to the store with you, you run the risk of items not fitting properly. In that case, it’s a lot easier to return clothing to Costco if you go there several times a month, as opposed to having to make a separate trip back to a clothing store to get your money back.And remember — another retailer might only give you 30 days to return clothing. At Costco, there’s no time crunch, which takes the pressure off.Clearly, it pays to buy winter clothing at Costco if you’re able to find items that meet your needs. And remember, if your local store only has a limited selection of products and sizes, look online. You may find a much wider range of inventory that helps you complete your shopping list.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.Maurie Backman 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”:”

Costco is known for its competitive prices. And that also extends to apparel.

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!

For example, right now, Costco is selling a Kirkland women’s fleece zip-up jacket for $21.99 online. And since Costco’s prices tend to be higher online than in stores, you might save even more money by buying this item at a local Costco warehouse. Meanwhile, an Amazon Essentials women’s fleece zip-up jacket might cost you $28.50 unless you happen to catch a sale.

But saving money on the cost of apparel isn’t the only reason to buy winter clothing at Costco. Here are a few other reasons to stock up.

1. You can make returns at any time

Buying clothing can be a tricky thing — especially if you have kids who are in between sizes. The great thing about buying clothing at Costco is that you can return it any time for a refund.

Say you decide to buy a winter coat for your 8-year-old at Costco, only they’re between a size small and medium. You might buy the medium thinking they’ll grow into the coat at some point during the season, and they’ll wear their coat from last year until they do.

Well, if your child never ends up needing that medium-sized coat, you can return it for a refund in the spring, summer, or even next winter if you so choose. It doesn’t get more flexible than that.

2. You can earn serious cash back

Costco members can earn cash back on winter apparel in a couple of ways. First, if you buy the store’s Executive membership for $130 a year (as opposed to $65 for a Gold Star membership), you’ll earn 2% cash back on your purchases.

And even without the Executive membership, you can earn cash back on your Costco purchases by being strategic with the credit card you use to shop there. Check out this list of the best credit cards for Costco so you can maximize your rewards.

3. You can save yourself a world of time

If you’re a busy person, you may only have so much time to shop for clothing in addition to buying groceries and essential household products. Another benefit of buying winter clothing at Costco is getting to tackle two errands in a single trip.

Plus, if you’re buying clothing for your kids, or for a partner who can’t make it to the store with you, you run the risk of items not fitting properly. In that case, it’s a lot easier to return clothing to Costco if you go there several times a month, as opposed to having to make a separate trip back to a clothing store to get your money back.

And remember — another retailer might only give you 30 days to return clothing. At Costco, there’s no time crunch, which takes the pressure off.

Clearly, it pays to buy winter clothing at Costco if you’re able to find items that meet your needs. And remember, if your local store only has a limited selection of products and sizes, look online. You may find a much wider range of inventory that helps you complete your shopping list.

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.Maurie Backman 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
A few years ago, I took a four-hour drive up the Washington coast, through quaint little towns and villages, past towering spruce trees, and alongside the stunning Puget Sound. Everything was idyllic, or so I thought; I never noticed the speed limit changed every five miles or so, from 50 mph down sometimes to even 15 mph.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. After getting a speeding ticket on the way up, and then another on the way down, I caught on to the game. But it was too late. My auto insurance took a hit.Ever since, finding ways to save on car insurance has become a priority. Happily, with a few proactive steps, I was able to lower my premium.For tried-and-true ways to cut down on car insurance expenses, here are a few simple things I discovered that can make a big difference.If, like many drivers, you’re looking to get better insurance, check out our picks for the best auto insurance companies right now.1. Keep a clean driving recordOne of the easiest and best ways to lower insurance costs is to maintain a good driving record. Traffic violations, speeding tickets, and at-fault accidents all drive up rates. After my two-day fiasco, I made a conscious effort to avoid tickets and accidents — and have — and it paid off; over time, my insurer rewarded me with a good driver discount. Indeed, Motley Fool Money research finds that having a good driving record can save drivers $289 a year on car insurance.2. Compare quotes from multiple insurersThe duck, the gecko, and all the rest promise cheap insurance rates. How do we choose? Do we even need to choose? Yes, shopping around may seem tedious, but comparing rates from different insurance providers is one of the best ways to save because premiums and prices vary widely. The good news is that a quick Google search for “compare auto insurance tool” will list off several places where drivers can do a quick and easy online comparison.3. Bundle and saveWhat the commercials promise is true: Bundling auto insurance with, say, a homeowners insurance or renter’s policy, will generally provide drivers with a nice discount. I combined my car and house insurance policies and saved around 10% on my auto premium. It was an easy way to knock down the cost while simplifying my coverage.4. Increase the plan deductibleThe deductible is the amount a driver pays out of pocket in case of an accident before the insurance kicks in. And while the thought of raising deductibles isn’t ideal, it too is a quick and easy way to lower auto insurance premiums.For example, raising the deductible from $500 to $1,000 can lower insurance premiums by 10%. For good and safe drivers, making this change shouldn’t be too risky. Regardless, it’s a good idea for drivers to make sure they have the amount of the deductible set aside in an emergency savings fund so that it’s available should they ever need to tap it.5. Take advantage of low-mileage discountsLow-mileage drivers might qualify for extra discounts. People who work from home (still a lot of us since the COVID-19 pandemic) would qualify for this one. Generally, drivers would qualify if they drive 7,000 miles a year or less. The discount averages about 5%. This varies by insurer.So my trip up the coast was not for naught. For one, I discovered where the speed traps are, and two, I learned how to permanently lower my car insurance. Not a bad deal, not at all.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.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Alphabet. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

A few years ago, I took a four-hour drive up the Washington coast, through quaint little towns and villages, past towering spruce trees, and alongside the stunning Puget Sound. Everything was idyllic, or so I thought; I never noticed the speed limit changed every five miles or so, from 50 mph down sometimes to even 15 mph.

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.

After getting a speeding ticket on the way up, and then another on the way down, I caught on to the game. But it was too late. My auto insurance took a hit.

Ever since, finding ways to save on car insurance has become a priority. Happily, with a few proactive steps, I was able to lower my premium.

For tried-and-true ways to cut down on car insurance expenses, here are a few simple things I discovered that can make a big difference.

If, like many drivers, you’re looking to get better insurance, check out our picks for the best auto insurance companies right now.

1. Keep a clean driving record

One of the easiest and best ways to lower insurance costs is to maintain a good driving record. Traffic violations, speeding tickets, and at-fault accidents all drive up rates. After my two-day fiasco, I made a conscious effort to avoid tickets and accidents — and have — and it paid off; over time, my insurer rewarded me with a good driver discount. Indeed, Motley Fool Money research finds that having a good driving record can save drivers $289 a year on car insurance.

2. Compare quotes from multiple insurers

The duck, the gecko, and all the rest promise cheap insurance rates. How do we choose? Do we even need to choose? Yes, shopping around may seem tedious, but comparing rates from different insurance providers is one of the best ways to save because premiums and prices vary widely. The good news is that a quick Google search for “compare auto insurance tool” will list off several places where drivers can do a quick and easy online comparison.

3. Bundle and save

What the commercials promise is true: Bundling auto insurance with, say, a homeowners insurance or renter’s policy, will generally provide drivers with a nice discount. I combined my car and house insurance policies and saved around 10% on my auto premium. It was an easy way to knock down the cost while simplifying my coverage.

4. Increase the plan deductible

The deductible is the amount a driver pays out of pocket in case of an accident before the insurance kicks in. And while the thought of raising deductibles isn’t ideal, it too is a quick and easy way to lower auto insurance premiums.

For example, raising the deductible from $500 to $1,000 can lower insurance premiums by 10%. For good and safe drivers, making this change shouldn’t be too risky. Regardless, it’s a good idea for drivers to make sure they have the amount of the deductible set aside in an emergency savings fund so that it’s available should they ever need to tap it.

5. Take advantage of low-mileage discounts

Low-mileage drivers might qualify for extra discounts. People who work from home (still a lot of us since the COVID-19 pandemic) would qualify for this one. Generally, drivers would qualify if they drive 7,000 miles a year or less. The discount averages about 5%. This varies by insurer.

So my trip up the coast was not for naught. For one, I discovered where the speed traps are, and two, I learned how to permanently lower my car insurance. Not a bad deal, not at all.

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.Suzanne Frey, an executive at Alphabet, is a member of The Motley Fool’s board of directors. The Motley Fool has positions in and recommends Alphabet. The Motley Fool has a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
Normally, I’m not one to stop and check out every new espresso machine that pops up in stores. But when I spotted the Philips BaristaBrew Semi-Automatic Espresso Machine at Costco for $399.99, I had to take a closer look. With its usual price of $499.99 (or more), this deal really stands out — especially for a machine packed with features you typically see in higher-end models.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!Now, I do love a latte every morning, and my husband’s all about his espresso. So, an espresso machine that brings the café experience right to our kitchen is exactly what we need. If you’re also into your daily coffee ritual or just looking for a serious upgrade at a great price, this machine might be calling your name.What you getThe Philips BaristaBrew Semi-Automatic Espresso Machine is priced at $399.99 at Costco, which is an amazing deal considering it typically sells for $499.99 elsewhere. If you’re already considering this espresso machine but want to save a bit more, check out one of our favorite credit cards for Costco shoppers — you could earn 2% or 3% cash back on $400, which adds up.The Philips BaristaBrew Semi-Automatic Espresso Machine has all the components you’d expect from a machine built for a whole coffeehouse experience at home:250-gram bean container: Holding up to 8.8 ounces of beans, this machine cuts down on refill time and keeps you in the espresso zone longer.58mm stainless steel portafilter: This isn’t just any portafilter — it’s a 58mm one, the standard size for professional espresso machines. This wider size allows for better extraction, which leads to a smoother, richer espresso. The stainless steel construction ensures durability and consistent performance.Pressure gauge: With a built-in gauge, you can monitor the precise pressure while brewing, ensuring the best results for every shot.Single and dual wall filters: Included with both single and dual wall filters, this machine offers flexibility whether you’re a beginner or a seasoned espresso enthusiast. Dual-wall filters are great for forgiving inconsistencies, while single-wall filters allow for more precise control when working with fresh-ground beans.15.2 fl oz stainless steel milk jug: The BaristaBrew also includes a stainless steel milk jug, perfect for frothing milk to make lattes, cappuccinos, or macchiatos. Its sturdy construction makes frothing easy and keeps the milk at the ideal temperature.Why the Philips BaristaBrew at Costco is a dealMost espresso machines with these features cost well over $500, so finding this model at Costco for just $399.99 feels like a steal. Philips is known for quality and reliability, so you’re not just getting a deal — you’re getting a machine built to last.And for those who take their morning cup seriously, the BaristaBrew really adds to the ritual. Its premium features let you adjust pressure, use different filters, and experiment with milk frothing, making it feel like you’re running your own mini coffee shop. Not to mention, with a machine like this, those $5 coffee shop lattes will quickly become a thing of the past.Why choose the Philips BaristaBrew?Philips has built a reputation for reliable and well-designed kitchen appliances, and the BaristaBrew is no exception. If you’re looking to elevate your coffee game or cut down on the cost of coffee runs, this machine is an excellent investment. It’s easy enough to use for beginners but also allows espresso fans to get creative.And because it’s a Costco find, you know you’re getting a good value. The price is unbeatable, and it’s a machine you’ll likely use daily for years to come. For anyone who’s been eyeing an upgrade but doesn’t want to spend a fortune, the Philips BaristaBrew at Costco is worth every penny.The best credit card for shopping at Costco (and beyond!)A versatile credit card with strong rewards can make all the difference if you’re serious about getting the most out of your Costco trips. This card in particular stands out and is our No. 1 strategy for saving money at Costco. Plus, with no annual fee, this card truly maximizes your savings wherever you shop.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.The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.”}]] [[{“value”:”

Normally, I’m not one to stop and check out every new espresso machine that pops up in stores. But when I spotted the Philips BaristaBrew Semi-Automatic Espresso Machine at Costco for $399.99, I had to take a closer look. With its usual price of $499.99 (or more), this deal really stands out — especially for a machine packed with features you typically see in higher-end models.

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!

Now, I do love a latte every morning, and my husband’s all about his espresso. So, an espresso machine that brings the café experience right to our kitchen is exactly what we need. If you’re also into your daily coffee ritual or just looking for a serious upgrade at a great price, this machine might be calling your name.

What you get

The Philips BaristaBrew Semi-Automatic Espresso Machine is priced at $399.99 at Costco, which is an amazing deal considering it typically sells for $499.99 elsewhere. If you’re already considering this espresso machine but want to save a bit more, check out one of our favorite credit cards for Costco shoppers — you could earn 2% or 3% cash back on $400, which adds up.

The Philips BaristaBrew Semi-Automatic Espresso Machine has all the components you’d expect from a machine built for a whole coffeehouse experience at home:

250-gram bean container: Holding up to 8.8 ounces of beans, this machine cuts down on refill time and keeps you in the espresso zone longer.58mm stainless steel portafilter: This isn’t just any portafilter — it’s a 58mm one, the standard size for professional espresso machines. This wider size allows for better extraction, which leads to a smoother, richer espresso. The stainless steel construction ensures durability and consistent performance.Pressure gauge: With a built-in gauge, you can monitor the precise pressure while brewing, ensuring the best results for every shot.Single and dual wall filters: Included with both single and dual wall filters, this machine offers flexibility whether you’re a beginner or a seasoned espresso enthusiast. Dual-wall filters are great for forgiving inconsistencies, while single-wall filters allow for more precise control when working with fresh-ground beans.15.2 fl oz stainless steel milk jug: The BaristaBrew also includes a stainless steel milk jug, perfect for frothing milk to make lattes, cappuccinos, or macchiatos. Its sturdy construction makes frothing easy and keeps the milk at the ideal temperature.

Why the Philips BaristaBrew at Costco is a deal

Most espresso machines with these features cost well over $500, so finding this model at Costco for just $399.99 feels like a steal. Philips is known for quality and reliability, so you’re not just getting a deal — you’re getting a machine built to last.

And for those who take their morning cup seriously, the BaristaBrew really adds to the ritual. Its premium features let you adjust pressure, use different filters, and experiment with milk frothing, making it feel like you’re running your own mini coffee shop. Not to mention, with a machine like this, those $5 coffee shop lattes will quickly become a thing of the past.

Why choose the Philips BaristaBrew?

Philips has built a reputation for reliable and well-designed kitchen appliances, and the BaristaBrew is no exception. If you’re looking to elevate your coffee game or cut down on the cost of coffee runs, this machine is an excellent investment. It’s easy enough to use for beginners but also allows espresso fans to get creative.

And because it’s a Costco find, you know you’re getting a good value. The price is unbeatable, and it’s a machine you’ll likely use daily for years to come. For anyone who’s been eyeing an upgrade but doesn’t want to spend a fortune, the Philips BaristaBrew at Costco is worth every penny.

The best credit card for shopping at Costco (and beyond!)

A versatile credit card with strong rewards can make all the difference if you’re serious about getting the most out of your Costco trips. This card in particular stands out and is our No. 1 strategy for saving money at Costco. Plus, with no annual fee, this card truly maximizes your savings wherever you shop.

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.The Motley Fool has positions in and recommends Costco Wholesale. The Motley Fool has a disclosure policy.

“}]] Read More