Money Management

As one of the most popular retailers in the U.S., Kohl’s knows its customer base. Check out some of the best money-saving strategies when shopping. [[{“value”:”

Kohl’s remains a retail powerhouse with more than 1,100 stores in 49 states. It’s also a go-to for millions of families when it’s time for the kids to head back to school or when holiday shopping begins.

We thought now would be a good time to review some lesser-known ways to save money while shopping at Kohl’s — strategies you can immediately employ.

1. Don’t be shy

It’s natural to be hesitant when asked to provide personal information by a retailer, but you may want to rethink your strategy when shopping at Kohl’s. The retailer’s free loyalty program, called “Kohl’s Rewards,” offers several sweet benefits:

You earn 5% back on every purchase, every day.Pay using a Kohl’s Card and receive 7.5% back on every purchase.Make a purchase prior to your birthday month, and you’ll receive a birthday gift.

Tip: Your Kohl’s Rewards balance is issued in $5 Kohl’s Cash increments on the first day of the following month from when it was earned and is good for 30 days, so be sure to check your email to learn how much you have available. If you link your Kohls.com account to your Rewards account, the Kohl’s Cash will also be automatically stored in your Kohl’s Wallet.

Want to earn rewards on your Kohl’s shopping — and everywhere else? Click here to compare our favorite credit cards to learn which will be most beneficial.

2. Download the app

If you’ve been rocking a smartphone for years, you probably have a multitude of apps. But trust us when we say the Kohl’s mobile app can save you some serious dough. If your home screen looks too busy for your taste, it may even be worth knocking another app off to make room for Kohl’s. Here’s why:

You can score 10 free Yes2You rewards points just for pulling the app up when you’re in-store.Kohl’s is known for its extensive collection of coupon offers. The app is the best way to ensure you always have coupons available when you shop.If you have the app, there’s no reason to search for a price scanner when shopping. You simply use the barcode scanner included in the app to check the price of any item that interests you.

Want to save even more money? Take advantage of the cash-back opportunities offered by these top-tier credit cards.

3. Stock up on Kohl’s Cash

If you’re unfamiliar with Kohl’s Cash, here’s a quick primer. For every $50 you spend — after all discounts are applied and before sales tax has been added — you’ll receive $10 worth of Kohl’s Cash to spend during a specific redemption period. For example, if you shop between the 1st and 6th of the month, your Kohl’s Cash may be redeemable between the 7th and 17th.

Tips: Pay special attention to the redemption period, and if there’s something else you need to buy, make a note on your calendar to shop during that time. Unlike actual cash, Kohl’s Cash expires.

As long as you spend within $2 of the threshold, you’ll earn that Kohl’s cash. Say you spend $48 instead of $50. Kohl’s will automatically round the amount up and reward you with $10 in Kohl’s Cash.

4. Stack coupons

Kohl’s has a generous policy regarding the number of coupons you can combine on the same order. Here’s a general breakdown of how it works:

You can use one sitewide percentage-off coupon.You can use multiple department-specific dollar-off or percentage-off coupons.If you have Kohl’s Cash or Kohl’s Rewards available, you can use up to six.

Tip: Don’t overlook the sale racks. Even if an item has already been deeply discounted, you can use a coupon to lower the price even more.

Coupons cannot be used on all items in the store. If you have a shopping list and want to know which are eligible for a coupon-related discount, check out this list provided by Kohl’s.

5. Time your shopping

Knowing when to shop can also save you money. For example:

Customers aged 60 and older receive a 15% discount on qualifying purchases every Wednesday when shopping in-store.Every Monday, active military personnel, retirees, veterans, and their immediate families receive 15% off eligible in-store purchases.Keep an eye out for Night Owl and Early Bird hours when Kohl’s offers 10% to 25% off sale prices.While you’re at it, watch out for Friends and Family shopping days. Several times each year, Kohl’s offers discounts of up to 60%.

Kohl’s provides a dizzying array of ways to save money. Even if you’re not a regular Kohl’s customer, it pays to be on the lookout for new Kohl’s deals as they pop up.

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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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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Coast FIRE is an appealing new offshoot of the early retirement movement. But can it work, and, more importantly, is it a good idea? Read on to learn more. [[{“value”:”

The financial independence, retire early (FIRE) movement has been around since the 1990s. But it had a resurgence since the onset of the COVID-19 pandemic, offering a path to early retirement. So it makes sense that there have since been offshoots that appeal to different types of people. Enter: Coast FIRE.

Here’s what you need to know.

What is Coast FIRE?

Coast FIRE is another method for getting to an early retirement (meaning before 50, so this can be flexible depending on your goals). The “coast” part refers to coasting to the finish line.

In other words, rather than saving up the amount you need to have for your entire retirement, and only then retiring, you’d save up the amount you think you need, and rely on investment returns to make up the difference.

Your Coast FIRE goal amount is based on an estimate of both how much you’ll spend in retirement and how much your investments will grow over time. So it’s the “just enough” approach to retirement, but following this plan will still likely have a big impact on your budget if you want to get to this elusive finish line.

You’d keep working once you met your goal, but you’d be able to reduce your working hours or choose a lower-paying, but more fulfilling, job. Because of this income reduction, you won’t be investing more during that time.

Interested in crafting a Coast FIRE budget? Check out our list of the top budgeting apps for 2024.

Pros and cons of Coast FIRE

Coast FIRE’s main appeal is that you can retire early faster, with the added bonus of being able to slow down sooner, too. It can also be a motivator for prioritizing retirement contributions at a younger age, which means you’re more likely to qualify for any 401(k) match your employer offers.

But Coast FIRE ultimately comes with the same risks of the FIRE movement, plus additional risks since you’re aiming for the bare minimum required nest egg. For example, you may underestimate the amount of money you’ll need.

You could run out of cash during your retirement if you don’t get the expected annual returns (which is more likely when you’re on a shorter investing timeline). And if you do have to return to work, you may find it difficult to find a job since you’ve been out of the workforce for potentially years.

Both FIRE and Coast FIRE may require you to make major sacrifices to meet the artificial retirement deadline, which may not be worth it, especially if your income is relatively low. (Imagine nickel and diming every single expense, turning down party invites, and scaling back on general social activities that require cash.) After all, you’ll likely have to make much higher retirement contributions at a younger age, when you aren’t yet earning your full income potential.

Plus, if you live in the U.S., you may lose your benefits by retiring early, requiring you to use more expensive private healthcare. That could then impact your annual spending needs, pushing you back into the workforce.

Is Coast FIRE a good idea?

While Coast FIRE could work for some individuals — particularly those comfortable with risk who are willing (and able) to put in the necessary work to save up the funds needed to retire early. But it’s a risky bet that may not work out for many since it relies on estimates for future investment returns and living expenses.

These factors are important to consider when planning for retirement, but they’re ultimately unknowns. That’s why financial experts tell you to plan for more than you think you’ll need in retirement.

Investing is a long-term game, so while it can offer 10% (or even higher) annual returns on average, this is never guaranteed. In fact, there can be major swings in either direction from year to year. If your nest egg is hit by a downturn, or you have an unexpected major expense (like a medical emergency), a Coast FIRE approach could put you in a precarious financial position.

An example of a successful Coast FIRE plan

Let’s say you’re 30 years old, earn $120,000 a year, and spend about $80,000 a year. That means you’d have enough to max out your annual 401(k) and IRA contributions. If you also get a 2% employer match, you’d be contributing a total of $30,460 a year toward retirement.

Need a retirement account? Click here for our favorite IRA brokers.

If you invest that amount each year for 15 years, that would come to about $967,000. This would leave you with 17 years to coast. Left alone, your nest egg could then grow to a total of nearly $4.9 million by the time you’re ready to retire at age 67.

Based on the 4% rule, you’d only need about $2 million to accommodate spending $80,000 a year in retirement. So this savings amount actually far surpasses that requirement.

This plan could work — but again, it’s risky. Changes to your lifestyle or income can have a big impact on your ability to stick to a Coast FIRE plan, as well investment gain fluctuations.

You’ll need to have fully funded emergency savings to ensure that you can handle unplanned expenses to stay on track. And you should plan for issues like health problems, which are more likely as you get older. After all, Coast FIRE is meant to provide a path to an early retirement, not a sabbatical.

Ultimately, though, Coast FIRE just isn’t a good idea for most due to its extreme risks.

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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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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The multi-billion-dollar print-on-demand industry offers an excellent low-maintenance passive income opportunity. Find out how to get started. [[{“value”:”

Passive income comes in different flavors, from investments that generate regular payments to low-maintenance small businesses. What they have in common is that you can make money without actively working. The idea is that once you’ve done the groundwork, it will take minimal effort to maintain.

The challenge is that you have to invest money, time, or both to get your income streams up and running. That might mean buying income-generating assets or setting up a passive income business. This article discusses how to build a popular passive income enterprise: a print-on-demand business.

Figures vary, but according to Gelato, the average print-on-demand business makes over $4,600 per year. Other studies suggest you can make between $1,000 and $5,000 once you’ve gained traction.

If you’re making that kind of money, it’s important to use a business bank account to separate your personal and business spending. Check out our list of the top bank accounts for small businesses to find one that works for you.

Step 1: Brainstorm

Every money-making enterprise starts with idea generation. In this case, you’ll need to think about designs and products that people may want to buy. Try to find a theme that fits with your own passions and interests. That might be jokes, pets, cartoons, hobbies, or even your work.

You can also look online for ideas, see what’s trending on social media, and talk to friends and family. It’s important not to copy other people, but you can riff off what others are selling — perhaps you’ll find a successful idea and see a way to do it better. Or maybe you can reimagine it to reach an untapped market that you’re closely familiar with.

Once you’ve narrowed down a theme, you can start to develop your product range. Look into specific products such as T-shirts, mugs, or tote bags and consider what will work best for your market.

With print-on-demand services, your products are only created when someone orders them. That gives you a lot of creative freedom because you won’t get stuck with a warehouse of unsellable items.

Step 2: Make a plan

Print-on-demand services don’t require huge amounts of time or money at the start. Even so, it’s important to do some groundwork to give your idea the best chance of success. Planning will help minimize the amount of time you put in and maximize the money you make.

Here are some things to consider:

Map out your costs and potential earnings. Make a budget that includes any start-up and ongoing costs.Learn more about your customers, particularly how broad your customer base might be and how to reach them.Compare print-on-demand services to pick the right one for you. Look at quality, prices, and service.Look at the strengths and weaknesses of your competitors. Think about how you can differentiate yourself.Ensure none of your designs or slogans are under copyright.Decide how you’re going to sell — you can build your own website or use an existing store.

A solid understanding of your customers and the broader market will help you build your brand. All the research you do will feed into your designs and product range.

There are lots of design tools online that can help you perfect your creations. If you aren’t great at design, include the cost of a freelance designer in your budget.

Step 3: Test your idea

Once you’ve firmed up your offer, you’re nearly ready to go. Before you sell anything to the general public, order samples of your products to check out the physical items. That way, you can address any issues with quality and fine-tune the design if need be. You can also take photos to use in your marketing.

Don’t be afraid to show the products to friends and acquaintances. Their feedback will give you a much better idea of what works (and what doesn’t). If you’re able to get input from your target customer base, so much the better.

Step 4: Take it to market

Online marketplaces like Amazon or Etsy can be a great way to tap into a huge existing customer base. However, the charges, such as listing fees, transaction fees, and more, will eat into your profits.

Another route is to build your own website. There are some excellent e-commerce solutions that make the process super easy, even if you’re not technically inclined. If you go this route, be prepared to spend both time and money on marketing and customer service.

Bear in mind, it isn’t a question of one or the other. You can start with a hybrid model and as your brand gets bigger, push customers toward your own website.

It will take less than a year to build your print-on-demand business

Print-on-demand services can be an excellent passive income-generating business choice. Not only is it easy to get started, but your start-up costs will also be low because you only pay when someone orders the product.

The amount you can make depends on what you sell and how you structure your business. Be sure to factor any print-on-demand and online marketplace fees into your financial estimates. Set clear financial goals and keep an eagle eye on your bottom line to maximize your profits.

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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent 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. Emma Newbery has positions in Amazon. The Motley Fool has positions in and recommends Amazon, Etsy, and Target. The Motley Fool has a disclosure policy.

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Many people shop at Aldi to save money on groceries. Read on to see why you might end up doing the opposite. [[{“value”:”

There’s a reason so many people love buying their groceries at Aldi. Aldi is known for its affordable prices. And if you start shopping at Aldi instead of your regular supermarket, you may find that it’s much easier to stick to a budget.

But while it’s more than possible to save money by shopping at Aldi, if you’re not careful, you could end up wasting money instead. Here’s how.

1. Buying groceries you end up throwing away

The reason Aldi is able to keep its prices so low is that it stocks its shelves with lesser-known brands. But if those brands don’t work out well, it could lead to wasted food — and thrown-out funds.

If you have picky eaters at home, they might reject the Aldi products you purchase simply by virtue of not recognizing the boxes they come in. And even if you don’t have a household of picky eaters, you may try out items that just don’t cut it for you.

For example, you might take a chance on a peanut butter brand you’ve never had before because it’s $1 cheaper than your go-to brand. But if there’s something off about the taste, are you really going to subject yourself to 27 sandwiches’ worth of peanut butter that isn’t particularly good? Probably not.

But if you throw out the jar — which is understandable in this situation — then, suddenly, you didn’t save $1 on peanut butter. Rather, you wasted however much money that jar cost.

2. Buying items you weren’t planning on because you couldn’t complete your original shopping list

One problem with shopping at Aldi is that the inventory can be inconsistent. That might lead to more expensive purchases on your part.

Let’s say you decide to make chicken with broccoli for dinner, only Aldi doesn’t have broccoli in stock on your shopping day. If you replace broccoli with mushrooms, which are commonly more expensive, you’re spending extra money because you couldn’t find the item you needed originally.

This sort of thing is less likely to happen at a regular supermarket with more traditional inventory and more regularly stocked shelves.

3. Buying impulse items from Aldi’s Aisle of Shame

Another reason so many people like Aldi is that the store’s Aldi Finds aisle is loaded with seasonal products you may not find elsewhere. And the prices tend to be great.

But there’s a reason Aldi fans call that section the Aisle of Shame. Checking it out could lead you to make impulse purchases. And while the items you buy might bring you joy, they’re a waste of money if they’re things you don’t need.

That said, here’s a trick for avoiding the Aisle of Shame. If you have an Aldi nearby and you only need a few items from the store, walk and carry your groceries home. If you don’t have the physical ability to carry your impulse purchases home, you won’t be able to make them.

Shopping at Aldi has the potential to save you a lot of money — especially if you swipe the right credit card at checkout. Click here for a list of the best credit cards for grocery purchases.

But also be mindful of the fact that if you’re not careful, you could end up wasting far more money in the course of your Aldi shopping than expected.

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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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.The Motley Fool has a disclosure policy.

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What are your favorite Top 20 Costco products? Read on for a list of one writer’s favorite Costco buys from two decades as a Costco member. [[{“value”:”

I was recently shocked to discover that, as of 2024, I’ve been a Costco member for 20 years. Costco has helped furnish my home, supply my small business, feed my children, and equip my everyday life.

Here are 20 of my best Costco buys from the past 20 years.

(All deals were available for online shopping or Costco Same-Day powered by Instacart with prices shown for my local Costco warehouse in West Des Moines, Iowa, as of Oct. 31, 2024. Prices may vary by location.)

1. Living room futon ($799.99)

My family’s Costco futon has been a mainstay of our TV room for 17 years. The same model of futon that I bought years ago is no longer available. But you can get a similarly priced Ravenna Relax-a-Lounger Euro Lounger for $799.99.

2. LG 55″ Class OLED C4 Series TV ($1,299.99)

Watching football or Netflix is pure delight on this massive, colorful screen with its many millions of pixels. This TV’s $1,299 price is valid through Nov. 11, 2024, and includes five years of warranty coverage.

Here’s one regret from my 20 years of Costco membership: I should have applied for a Costco credit card sooner. Especially when buying big-ticket items like TVs, the best Costco credit cards are worth it! Click here to learn more about the best Costco credit cards that can help you earn an extra 2% to 3% (or more) of cash back on Costco purchases.

3. Costco home improvement services

Costco Home & Installation services helps you hire local, reliable contractors for home improvement projects like bath remodels, cabinet refacing, and flooring. We used this to buy new window coverings for our house. It was totally easy and worth it — and we got a Costco Shop Card for 10% of the project price.

4. Kirkland Signature Trail Mix ($15.99)

Costco’s private label trail mix has been a big part of my diet for 20 years. It’s the perfect blend of sweet raisins, M&Ms, almonds, cashews, and salty peanuts.

5. Crazy Cuizine Mandarin Orange Chicken ($19.29)

My kids always loved the Orange Chicken from Costco. This easy-to-prep meal is a delicious, low-cost dinner for a busy young family.

6. Chobani Greek Yogurt Variety Pack — 20 ct. ($18.71)

Here’s another Costco grocery item that brings back happy memories of feeding my kids when they were small. You get 20 5.3-ounce cups of yogurt in a range of flavors, for less than $1 each!

7. Weatherproof Vintage Men’s Outdoor Crew Socks ($11.99)

During the past 20 years, Costco has become my go-to destination for buying socks. I live in a Midwestern state with a chaotic climate. These versatile socks stand up to cold, wet conditions.

8. Orvis Men’s Tech Pant ($19.99)

These Costco tech pants are ideal for traveling and hiking. They’re weather-resistant, lightweight, and have a built-in zippered cargo pocket for cellphones. I’ve worn them in the Scottish Highlands, the Bavarian Alps, and White Sands, New Mexico.

9. Costco Tires

Get your tires at Costco. Even if the price on tires is not the absolute lowest in town, you can relax during your tire appointment with a $1.50 hot dog–and–soda combo.

10. Costco Optical annual eye exams

I’m a self-employed person who doesn’t have vision insurance. Costco Optical has provided me with affordable eye exams year after year.

11. Low-cost laptops

As a freelancer, Costco has supplied me with several cheap laptops. Right now, you can get a 13-inch MacBook Air laptop with Apple M2 chip for $699.99 (price includes $200 savings valid through Nov. 17, 2024; limit two per member, while supplies last).

12. Vaccines at the Costco Pharmacy

Every year, I get my flu shot and Covid shot at the Costco Pharmacy. The prices on vaccines, prescription drugs, and over-the-counter medications are usually cheapest at Costco.

13. Kirkland Signature Paper Towels ($23.27)

These sturdy, absorbent paper towels are create-a-size. That means you can get the perfect amount for microwaving a meal or wiping up messes.

14. Kirkland Signature Rotisserie Chicken ($5.84)

Here’s another classic choice for when you don’t want to cook. Costco’s beloved rotisserie chicken is a tender, juicy, well-seasoned bird and a versatile protein for low-effort meals.

15. Kirkland Signature European Cookies with Belgian Chocolate ($18.71)

This massive tin of cookies is a treasure trove of textures and styles of sweet, crispy, chocolatey, frosted things.

16. Lindt Lindor Chocolate Truffles — 21.2 ounces ($11.34)

This is a big bag of luscious truffles, ranging from white to dark chocolate. And the price is cheaper than you’ll likely find at any grocery store. (Price valid through Nov. 17, 2024, limit 16 items per member.)

17. Kirkland Signature Organic Pure Maple Syrup — 33.8 ounces ($14.61)

On a purely per-ounce basis, this might be the best bargain at Costco. Use it for pancakes, waffles, or maple syrup cocktails.

18. Kirkland Signature Organic Tortilla Chips ($7.01)

These tortilla chips can upgrade your taco night or microwaved nachos. $7.01 gets you 40 servings of crisp, not-too-salty chips that can handle vigorous dipping into salsa, guac, or queso.

19. Kirkland Signature Sweet Heat Snack Mix ($11.10)

I just tried this for the first time, but it’s already made my list of Top 20 Costco Buys. Sweet, spicy, crunchy — a delicious addition to my daily snack rotation.

20. Costco hot dog combo ($1.50)

If I can spend another 20 years eating hot dogs at Costco, that will be a life well lived. And the price will probably stay the same.

Bottom line

Costco has been a constant presence in my life for 20 years, providing family meals, tire repairs, and happy memories. I hope to keep maximizing my membership for years to come!

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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Discover Financial Services is an advertising partner of The Ascent, a Motley Fool company. The Motley Fool has positions in and recommends Apple, Costco Wholesale, and Netflix. The Motley Fool recommends Discover Financial Services. The Motley Fool has a disclosure policy.

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While a Costco membership can unlock significant discounts, you may be nervous to join for the first time. See why you should join Costco with confidence. [[{“value”:”

Many shoppers join warehouse clubs like Costco to access members-only deals. Getting a discount when buying groceries, clothes, household goods, and electronics can be a win for your wallet. But you have to pay to join Costco.

If you’re on the fence about joining, I suggest you become a member to experience the experience firsthand. I’ll also share a few pointers to maximize your Costco membership and explain why it’s worthwhile to join even if you’re unsure if you’ll benefit from it.

Costco’s 100% satisfaction guarantee

Subscriptions and membership costs can add up quickly. If you’re considering becoming a Costco member but are worried about shelling out cash for yet another membership, don’t let the cost scare you.

Why? Costco has a 100% membership satisfaction guarantee. The retailer will refund your membership fees if you decide to cancel your membership. If you’re interested in checking out what the warehouse club retailer offers, it’s worthwhile to join.

Chances are you’ll be happy with the deals and the variety of products and services that Costco offers. But you can feel confident knowing that you can cancel your membership and get your money back if you’re unsatisfied.

I, too, was a long-time skeptic, but I gave in and joined this past August. I’ve been a Costco member for over two months now and have yet to set foot in my local club. But I’ve already shopped several deals at Costco.com. These were all purchases that I planned to make anyway, and I saved money on them.

Want to earn cash back on your Costco haul? Use a cash back rewards credit card at checkout. Click here to explore our list of the top cash back credit cards to see how easy it is to earn cash rewards when you shop.

Here’s how much you’ll pay to be a Costco member

Now that you know about Costco’s membership guarantee, you may wonder how much you can’t expect to pay to join. Costco has two membership options, and their costs differ.

A standard Gold Star membership costs $65 per year. The retailer’s premium membership option, Executive, costs $130 annually. The biggest benefit of being an Executive member is the ability to earn 2% rewards on eligible Costco purchases, including Costco Travel bookings. As an Executive member, you can earn up to $1,250 in yearly rewards.

An Executive membership is worth it for those who spend at least $3,250 per year at Costco. With this annual spend, you’ll earn $65 back in rewards, allowing you to break even on the added cost of a premium membership. And shoppers who spend even more will earn enough rewards to cover the extra membership cost, plus make some money back.

This is an easy way to earn rewards when you shop

Costco offers great deals on essentials like groceries, clothes, toiletries, and household goods. Shopping Costco deals is one way to keep more money in your checking account.

You can also save money by earning rewards when you swipe your credit card at checkout. With the right card in your wallet, it’s easy to get rewarded when you shop. Want to save even more? Click here to see our list of the best credit cards that offer big rewards at Costco.

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.
The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.Natasha Gabrielle 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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