Money Management

[[{“value”:”Image source: Getty Images
If you aren’t currently a Costco member, November may be a great time to break out the credit cards and get signed up ASAP.Top credit card to use at Costco (and everywhere else!)
We love versatile credit cards that offer huge rewards everywhere, including Costco! This card is a standout among America’s favorite credit cards because it offers perhaps the easiest $200 cash bonus you could ever earn and an unlimited 2% cash rewards on purchases, even when you shop at Costco. Add on the competitive 0% interest period and it’s no wonder we awarded this card Best No Annual Fee Credit Card.
Click here to read our full review for free and apply before the $200 welcome bonus offer ends!While the warehouse club offers great deals year-round, this month can be an especially beneficial time to join, as you can take advantage of some of the key perks and features that becoming a club member can offer during the upcoming holiday season.Here are three big reasons why signing up now can make sense.1. You can add Kirkland-brand products to your Thanksgiving menuCostco offers some delicious delicacies that deserve a place on your Thanksgiving table — but only if you’re a club member.If you don’t want to cook at all, the warehouse club’s Turkey Breast Roast Turkey Dinner can be an affordable and simple way to put up a full holiday spread. It serves eight to 10 people for $269, a pretty good deal when you consider that it includes:A five-pound antibiotic-free turkey breast that’s pre-roastedTwo pounds of mashed potatoesTwo pounds of old-fashioned stuffingA two-pound Brussels sprout casseroleA pound of green beans almondineCranberry, apple, and orange relishTurkey gravyA 10-inch baked pumpkin pieA 10-inch baked apple pieIf you want the full meal, you’ll need to act fast since it’s already sold out in some locations.However, even if you don’t want Costco to take care of Thanksgiving for you, there are plenty of other great items you can buy there to make your meal better, including a dozen Thanksgiving cake balls for a unique desert (which come at a cost of just $46.99), or a 12-inch pumpkin pie for only $5.99.Want to save even more over the course of shopping for your holiday meal? Click here for our top tip on how to maximize your cash back at Costco.2. You can do your Black Friday shopping at the warehouse clubCostco’s Black Friday deals are unbeatable, and the warehouse club offers Early Start deals throughout November that you can take advantage of.For example, Sony Bravia’s 77-inch OLED TV is just $2,599.99 through Dec. 8, which is $1,300 off the regular retail price. While some other retailers are also offering the same model for a similar price, Costco’s deal includes a five-year protection plan which makes it a great bargain given the peace of mind you’re getting when making an expensive purchase.If TVs aren’t your thing, Costco is already offering promotional holiday pricing on appliances, furniture, beauty products, shoes, jewelry, and more. But to get the best deals, you’ll need to join the club.If you plan to go Black Friday (or pre-Black Friday) shopping, you’ll also want to make sure you’ve signed up for the best credit cards to use at Costco.You can maximize your cash back, and potentially even qualify for a new cardmember sign-up bonus that can offset the cost of your holiday spending. Sign up today for a card you can use when you make your first trip as a new Costco member.3. You can stock up on Christmas decorFinally, Costco offers a huge selection of holiday decorations that can make your house look more festive than you ever imagined. From advent calendars to life-size nutcrackers to outdoor inflatables, you can get great bargains at this time of year on seasonal items.For all of these reasons, November is an ideal time to sign up for a Costco membership. Give your bank account a break when shopping this holiday season by taking advantage of the great deals.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 a disclosure policy.”}]] [[{“value”:”

If you aren’t currently a Costco member, November may be a great time to break out the credit cards and get signed up ASAP.

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

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

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

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

While the warehouse club offers great deals year-round, this month can be an especially beneficial time to join, as you can take advantage of some of the key perks and features that becoming a club member can offer during the upcoming holiday season.

Here are three big reasons why signing up now can make sense.

1. You can add Kirkland-brand products to your Thanksgiving menu

Costco offers some delicious delicacies that deserve a place on your Thanksgiving table — but only if you’re a club member.

If you don’t want to cook at all, the warehouse club’s Turkey Breast Roast Turkey Dinner can be an affordable and simple way to put up a full holiday spread. It serves eight to 10 people for $269, a pretty good deal when you consider that it includes:

A five-pound antibiotic-free turkey breast that’s pre-roastedTwo pounds of mashed potatoesTwo pounds of old-fashioned stuffingA two-pound Brussels sprout casseroleA pound of green beans almondineCranberry, apple, and orange relishTurkey gravyA 10-inch baked pumpkin pieA 10-inch baked apple pie

If you want the full meal, you’ll need to act fast since it’s already sold out in some locations.

However, even if you don’t want Costco to take care of Thanksgiving for you, there are plenty of other great items you can buy there to make your meal better, including a dozen Thanksgiving cake balls for a unique desert (which come at a cost of just $46.99), or a 12-inch pumpkin pie for only $5.99.

Want to save even more over the course of shopping for your holiday meal? Click here for our top tip on how to maximize your cash back at Costco.

2. You can do your Black Friday shopping at the warehouse club

Costco’s Black Friday deals are unbeatable, and the warehouse club offers Early Start deals throughout November that you can take advantage of.

For example, Sony Bravia’s 77-inch OLED TV is just $2,599.99 through Dec. 8, which is $1,300 off the regular retail price. While some other retailers are also offering the same model for a similar price, Costco’s deal includes a five-year protection plan which makes it a great bargain given the peace of mind you’re getting when making an expensive purchase.

If TVs aren’t your thing, Costco is already offering promotional holiday pricing on appliances, furniture, beauty products, shoes, jewelry, and more. But to get the best deals, you’ll need to join the club.

If you plan to go Black Friday (or pre-Black Friday) shopping, you’ll also want to make sure you’ve signed up for the best credit cards to use at Costco.

You can maximize your cash back, and potentially even qualify for a new cardmember sign-up bonus that can offset the cost of your holiday spending. Sign up today for a card you can use when you make your first trip as a new Costco member.

3. You can stock up on Christmas decor

Finally, Costco offers a huge selection of holiday decorations that can make your house look more festive than you ever imagined. From advent calendars to life-size nutcrackers to outdoor inflatables, you can get great bargains at this time of year on seasonal items.

For all of these reasons, November is an ideal time to sign up for a Costco membership. Give your bank account a break when shopping this holiday season by taking advantage of the great deals.

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 a disclosure policy.

“}]] Read More 

[[{“value”:”Image source: Getty Images
There’s a reason millions of people are willing to spend money on a Costco membership. The $65 a year you fork over for a basic membership or the $130 you pay for an Executive membership that rewards you with 2% cash back gives you access to a host of benefits.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 that doesn’t mean shopping at Costco makes sense for everyone. And if these signs apply to you, it may be time to cancel your membership — which, thankfully, you can do at any time during the year for a refund.1. You always overspendCostco offers members plenty of opportunities to save money, whether by gassing up their cars with cheaper fuel or buying low-cost apparel. But if you find that you’re making at least one impulse purchase every time you go to Costco, and you’re on a tight budget, then you may want to stop shopping there.It’s hard to say no to impulse buys at a store like Costco that sells so many products under one roof. But if you’re trying to shed credit card debt or work toward a financial goal, those extra purchases could be a huge setback. If you can’t break the habit, you may want to stop going to Costco instead.2. You constantly throw out foodIt’s easy to save money on food at Costco thanks to the store’s bulk discounts. But if you’re constantly throwing out a large portion of your bulk grocery purchases, then you may not be saving nearly as much as you think you are — or any money at all.Think carefully about the things you buy at Costco and ask yourself if bulk quantities are truly necessary. It may be worth it to spend a tiny bit of time seeking out sales at your local supermarket and buying regular-sized quantities of your household staples so they don’t go bad on you.Besides, if you use the right credit card at the supermarket, you may find that you’re able to save big in the form of cash back or rewards on your purchases. Click here for a list of the best credit cards for groceries.3. You get stressed about going to CostcoJam-packed aisles. Crowded parking lots. These are some of the things to expect when you visit a Costco warehouse.Some people manage to take these factors in stride. They build in extra time to wait in long checkout lines, and they tell themselves that the delicious $1.50 food court hot dog that’s waiting as their reward for completing a Costco run makes the hassle worth it.But if shopping at Costco stresses you out, so much so that you truly dread going there, then it may not be worth it. It’s a nice thing to save money. But it shouldn’t come at the expense of your mental health. If you can afford to do your shopping elsewhere for a more pleasant experience, it may be worth spending a bit extra if your budget allows for it.There are plenty of benefits to shopping at Costco. But if these signs apply to you, it may be time to take a break and see what happens. You can always go back to Costco if you miss it. But you may find that sticking with other stores works better for your finances and results in less aggravation.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”:”

There’s a reason millions of people are willing to spend money on a Costco membership. The $65 a year you fork over for a basic membership or the $130 you pay for an Executive membership that rewards you with 2% cash back gives you access to a host of benefits.

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 that doesn’t mean shopping at Costco makes sense for everyone. And if these signs apply to you, it may be time to cancel your membership — which, thankfully, you can do at any time during the year for a refund.

1. You always overspend

Costco offers members plenty of opportunities to save money, whether by gassing up their cars with cheaper fuel or buying low-cost apparel. But if you find that you’re making at least one impulse purchase every time you go to Costco, and you’re on a tight budget, then you may want to stop shopping there.

It’s hard to say no to impulse buys at a store like Costco that sells so many products under one roof. But if you’re trying to shed credit card debt or work toward a financial goal, those extra purchases could be a huge setback. If you can’t break the habit, you may want to stop going to Costco instead.

2. You constantly throw out food

It’s easy to save money on food at Costco thanks to the store’s bulk discounts. But if you’re constantly throwing out a large portion of your bulk grocery purchases, then you may not be saving nearly as much as you think you are — or any money at all.

Think carefully about the things you buy at Costco and ask yourself if bulk quantities are truly necessary. It may be worth it to spend a tiny bit of time seeking out sales at your local supermarket and buying regular-sized quantities of your household staples so they don’t go bad on you.

Besides, if you use the right credit card at the supermarket, you may find that you’re able to save big in the form of cash back or rewards on your purchases. Click here for a list of the best credit cards for groceries.

3. You get stressed about going to Costco

Jam-packed aisles. Crowded parking lots. These are some of the things to expect when you visit a Costco warehouse.

Some people manage to take these factors in stride. They build in extra time to wait in long checkout lines, and they tell themselves that the delicious $1.50 food court hot dog that’s waiting as their reward for completing a Costco run makes the hassle worth it.

But if shopping at Costco stresses you out, so much so that you truly dread going there, then it may not be worth it. It’s a nice thing to save money. But it shouldn’t come at the expense of your mental health. If you can afford to do your shopping elsewhere for a more pleasant experience, it may be worth spending a bit extra if your budget allows for it.

There are plenty of benefits to shopping at Costco. But if these signs apply to you, it may be time to take a break and see what happens. You can always go back to Costco if you miss it. But you may find that sticking with other stores works better for your finances and results in less aggravation.

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
It’s fun to learn about travel credit cards. I remember how excited I was to find out there were cards that could get me into airport lounges and help me score cheap business-class tickets. Those are just a few of the perks the best travel rewards cards offer.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. Once you have your eye on a few cards, you’ll probably want to know what it takes to get approved. No one wants to spend all that time picking out a card, only to see their application denied. While requirements vary, there is a credit score guideline you can follow for the best travel cards.The golden number for the best travel cardsThe standard recommendation for most travel cards is a FICO® Score of 670 or higher. These cards are aimed at consumers with good or excellent credit. The good credit range is a FICO® Score of 670 to 739.A FICO® Score is the most widely used type of credit score by lenders. When a credit card company checks your credit, it will probably check your FICO® Score. Many free credit score tools online provide your VantageScore instead, which is sometimes higher. Make sure to use a free tool that has your FICO® Score, such as Experian CreditWorks Basic.Some travel cards have stricter approval requirements. With these, it helps to have a score of 700 or higher. If you have a specific card in mind, try to find out its specific credit score guidelines.Looking for a travel card? Check out our curated picks for top travel rewards cards to see what kind of benefits they offer and the credit score guidelines for each one.Your credit score isn’t all that mattersThere’s more to a credit card application than just your credit score. It’s an important factor, and it could make the difference between an approval and a denial. You probably wouldn’t get approved for one of the most highly rated credit cards if you have a 520 credit score, to give you one example.Your credit score doesn’t guarantee anything, though. Plenty of people have gotten approved for top travel cards with scores of 650 or lower. There have also been card applicants, myself included, who have been denied with an 800 credit score.When you apply for a credit card, the card issuer takes a thorough look at your credit and financial situation. Here are other factors that could affect your application:IncomeNumber of credit cardsRecent credit applicationsHistory with that specific card issuerDelinquencies on your credit historyHow to improve your credit score before applying for a travel cardIf your credit score doesn’t meet the guidelines for the card you want, it’s a good idea to work on that first. As I mentioned earlier, a high credit score doesn’t guarantee an approval. But in general, having a higher credit score can certainly help.Here’s the good news: It’s simple enough to raise your credit score, and it often doesn’t take long. Follow these tips to get on the path to excellent credit:Check your credit score with a free tool online. Credit score tools also typically provide helpful information on how to improve your credit.Pay down credit card debt. This is a fast way to boost your credit, because high credit card balances are bad for your credit score.Always pay bills on time. Your payment history is the biggest factor in your credit score. It’s especially important to pay credit cards and loans on time, since these get reported on your credit file.Pull your credit report and dispute any errors you find. Your credit report is available free of charge at AnnualCreditReport.com. If there are any mistakes, you can dispute them online with the credit bureau that issued the report.These are smart habits to adopt, because they’ll help you build and maintain a high credit score. That’s useful in many ways. For example, it could save you money on loans and even on your car insurance in most states. And as you know, it could also help you land some amazing travel cards.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”:”

It’s fun to learn about travel credit cards. I remember how excited I was to find out there were cards that could get me into airport lounges and help me score cheap business-class tickets. Those are just a few of the perks the best travel rewards cards offer.

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.

Once you have your eye on a few cards, you’ll probably want to know what it takes to get approved. No one wants to spend all that time picking out a card, only to see their application denied. While requirements vary, there is a credit score guideline you can follow for the best travel cards.

The golden number for the best travel cards

The standard recommendation for most travel cards is a FICO® Score of 670 or higher. These cards are aimed at consumers with good or excellent credit. The good credit range is a FICO® Score of 670 to 739.

A FICO® Score is the most widely used type of credit score by lenders. When a credit card company checks your credit, it will probably check your FICO® Score. Many free credit score tools online provide your VantageScore instead, which is sometimes higher. Make sure to use a free tool that has your FICO® Score, such as Experian CreditWorks Basic.

Some travel cards have stricter approval requirements. With these, it helps to have a score of 700 or higher. If you have a specific card in mind, try to find out its specific credit score guidelines.

Looking for a travel card? Check out our curated picks for top travel rewards cards to see what kind of benefits they offer and the credit score guidelines for each one.

Your credit score isn’t all that matters

There’s more to a credit card application than just your credit score. It’s an important factor, and it could make the difference between an approval and a denial. You probably wouldn’t get approved for one of the most highly rated credit cards if you have a 520 credit score, to give you one example.

Your credit score doesn’t guarantee anything, though. Plenty of people have gotten approved for top travel cards with scores of 650 or lower. There have also been card applicants, myself included, who have been denied with an 800 credit score.

When you apply for a credit card, the card issuer takes a thorough look at your credit and financial situation. Here are other factors that could affect your application:

IncomeNumber of credit cardsRecent credit applicationsHistory with that specific card issuerDelinquencies on your credit history

How to improve your credit score before applying for a travel card

If your credit score doesn’t meet the guidelines for the card you want, it’s a good idea to work on that first. As I mentioned earlier, a high credit score doesn’t guarantee an approval. But in general, having a higher credit score can certainly help.

Here’s the good news: It’s simple enough to raise your credit score, and it often doesn’t take long. Follow these tips to get on the path to excellent credit:

Check your credit score with a free tool online. Credit score tools also typically provide helpful information on how to improve your credit.Pay down credit card debt. This is a fast way to boost your credit, because high credit card balances are bad for your credit score.Always pay bills on time. Your payment history is the biggest factor in your credit score. It’s especially important to pay credit cards and loans on time, since these get reported on your credit file.Pull your credit report and dispute any errors you find. Your credit report is available free of charge at AnnualCreditReport.com. If there are any mistakes, you can dispute them online with the credit bureau that issued the report.

These are smart habits to adopt, because they’ll help you build and maintain a high credit score. That’s useful in many ways. For example, it could save you money on loans and even on your car insurance in most states. And as you know, it could also help you land some amazing travel cards.

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
At this stage of the year, a lot of people are trying to find ways to cut back on spending to free up money for holiday purchases. So you may not be inclined to take on the expense of a warehouse club membership. 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 joining Sam’s Club this November could be one of the smartest financial decisions you make before the end of the year. Here’s why it pays to sign up now.1. You get access to warehouse club deals at a cheaper price than CostcoThe nice thing about joining a warehouse club is getting access to great deals on groceries, household supplies, and more. And the savings you enjoy can more than make up for the cost of your membership fee. But you should know that Sam’s Club offers lower membership fees than Costco, so you may find that you can get exceptional value out of its Club or Plus membership.A Club membership costs $50 a year, while a Plus membership costs $110. And the Plus membership gives you 2% cash back on your Sam’s Club purchases. If the more expensive membership doesn’t make sense for you, you can stick to the basic Club membership for $50 and use a great cash back credit card to make up the difference. Click here for a list of the best cash back credit cards available today.Meanwhile, a basic Costco Gold Star membership costs $65 a year, while an Executive membership that offers the same 2% back as a Sam’s Club Plus membership costs $130. You can save quite a bit on membership fees by opting for Sam’s Club.2. You have multiple options for shoppingNovember might be a busy month between your job, household responsibilities, and holiday shopping and prep. So you might enjoy the numerous shopping choices you have as a Sam’s Club member. You can place orders online, shop in the store, or order items for curbside pickup. As a bonus, Plus members get free shipping on eligible online orders of $50 or more, and free curbside pickup on all orders. Regular Sam’s Club members get free curbside pickup on eligible orders of $50 or more. One additional bonus of being a Plus member at Sam’s Club is getting early access to the store. If you prefer to do your holiday shopping in person but you tend to get overwhelmed by crowds, that’s a helpful benefit. 3. You can take advantage of holiday dealsNo matter how long your holiday shopping list is, your goal may be to spend as little money as possible. At Sam’s Club, you’ll find competitive prices on a wide range of items, from gifts to decor to foods that you may want to put on your Thanksgiving or Christmas dinner table. Also, Sam’s Club stocks a variety of products you won’t find at any other retailer. These include toys, apparel, and other items you may want to stick under your Christmas tree this December. The Sam’s Club signature Member’s Mark brand, for example, has a Wooden Farmstyle Dollhouse (available online for $59.77) that might be the perfect gift for your child. And the Member’s Mark Jerky Treat Advent Calendar for Dogs ($14.98 online) might make a great gift for your boss who’s obsessed with their pup. You could wait until the start of the new year to join a warehouse club store. And you could also choose one that isn’t Sam’s Club. But for these reasons, it pays to consider signing up for a membership at Sam’s Club before November ends. 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.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”:”

At this stage of the year, a lot of people are trying to find ways to cut back on spending to free up money for holiday purchases. So you may not be inclined to take on the expense of a warehouse club membership.

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 joining Sam’s Club this November could be one of the smartest financial decisions you make before the end of the year. Here’s why it pays to sign up now.

1. You get access to warehouse club deals at a cheaper price than Costco

The nice thing about joining a warehouse club is getting access to great deals on groceries, household supplies, and more. And the savings you enjoy can more than make up for the cost of your membership fee. But you should know that Sam’s Club offers lower membership fees than Costco, so you may find that you can get exceptional value out of its Club or Plus membership.

A Club membership costs $50 a year, while a Plus membership costs $110. And the Plus membership gives you 2% cash back on your Sam’s Club purchases.

If the more expensive membership doesn’t make sense for you, you can stick to the basic Club membership for $50 and use a great cash back credit card to make up the difference. Click here for a list of the best cash back credit cards available today.

Meanwhile, a basic Costco Gold Star membership costs $65 a year, while an Executive membership that offers the same 2% back as a Sam’s Club Plus membership costs $130. You can save quite a bit on membership fees by opting for Sam’s Club.

2. You have multiple options for shopping

November might be a busy month between your job, household responsibilities, and holiday shopping and prep. So you might enjoy the numerous shopping choices you have as a Sam’s Club member. You can place orders online, shop in the store, or order items for curbside pickup.

As a bonus, Plus members get free shipping on eligible online orders of $50 or more, and free curbside pickup on all orders. Regular Sam’s Club members get free curbside pickup on eligible orders of $50 or more.

One additional bonus of being a Plus member at Sam’s Club is getting early access to the store. If you prefer to do your holiday shopping in person but you tend to get overwhelmed by crowds, that’s a helpful benefit.

3. You can take advantage of holiday deals

No matter how long your holiday shopping list is, your goal may be to spend as little money as possible. At Sam’s Club, you’ll find competitive prices on a wide range of items, from gifts to decor to foods that you may want to put on your Thanksgiving or Christmas dinner table.

Also, Sam’s Club stocks a variety of products you won’t find at any other retailer. These include toys, apparel, and other items you may want to stick under your Christmas tree this December.

The Sam’s Club signature Member’s Mark brand, for example, has a Wooden Farmstyle Dollhouse (available online for $59.77) that might be the perfect gift for your child. And the Member’s Mark Jerky Treat Advent Calendar for Dogs ($14.98 online) might make a great gift for your boss who’s obsessed with their pup.

You could wait until the start of the new year to join a warehouse club store. And you could also choose one that isn’t Sam’s Club. But for these reasons, it pays to consider signing up for a membership at Sam’s Club before November ends.

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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.

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