Which costco card should i get

There are also business versions of these two, but they are the same cost and the only difference from the non-business versions above is the ability to add more people to the account. Every Costco member gets the same cash back rewards if they have the Costco Visa — at Costco and elsewhere — regardless of their membership status. Just ignore it. They are completely separate and unrelated. This is one of those questions where the answer is going to be dependent on the purchasing habits of each individual consumer.

Any value on top of those purchases is gravy. There are some other nice benefits to Costco membership as well. The Costco appliance warranty I was able to get a 4-year warranty on a dishwasher for no additional charge , as well as extended warranties on electronics and other goods, is as good as any retailer out there.

And if all else fails, you can purchase a membership and give it a shot. There is no risk of loss, as the Costco membership refund policy states:. On Membership: We will cancel and refund your membership fee at any time if you are dissatisfied. I ended up opting for the executive membership since they offered the reimbursement. I know with other such credit card points scenarios e.

So hopefully it will work out about the same if not better here. Interesting that it was the card that led you to a membership. And worth noting that you do not need the membership to get the card. The credit card part just expedited it a bit. That said, I had no idea you could get that card without the membership. I was thinking having a Costco membership number was part of the application process. A lot of stores have memberships come with a credit card, I would think that with the credit card membership it would just encourage one to shop there more frequently than any other store.

In my opinion, if you live close enough one for gas, it is a no brainer. As both my wife and I pass it on our way to work, we do not even have to adjust our routes for a fill up. That in and of itself is worth the cost of membership for us.

There are also deals on diapers and formula the costco formula is rebranded similac which are pretty solid. Yes, you can probably save some money if you are willing to closely follow ads or cut coupons, but on average, Costco is cheaper. Click here to read more about Select. Click here to read our full advertiser disclosure. We may receive a commission when you click on links for products from our affiliate partners.

Learn More. On Citi's secure site. See our methodology , terms apply. Pros Generous gas rewards No fee charged on purchases made outside the U. Cons Costco membership is required Rewards are distributed once a year and can only be redeemed at U. View More. On Chase's secure site. Cons Below average 1. Rewards 1. On PenFed's secure site. What's my credit score?

Knowing your credit score is key to gauging which credit cards you have the best chances of qualifying for. There are numerous free credit score resources available that provide your credit score, updated on a monthly basis.

Why do I want to open a credit card? You should only open credit card when there's a need. So if you shop at Costco and pay with cash because you don't have a credit card backed by Visa, then that's a good reason since you're missing out on rewards. Email Address. Toggle navigation. Should You Do Either? Tags: bulk buying , Costco , executive membership , gold star membership.

Share Post. Subscribe to Blog via Email. Recent Posts. Brains Report is going on hiatus February 21, 0. How to Unbox a Mattress September 12, 0. Review Categories. In fact, a simple Google search will reveal some downright impressive Costco return stories, with items sometimes being accepted back years after the initial date of purchase.

Simply put, Costco guarantees client satisfaction with every purchase and will offer full refunds upon return of an item. There are a few exceptions. Most electronics, for example, are limited to a day return policy, and items that have a limited useful life expectancy, such as batteries or tires, may be subject to a product-specific limited warranty.

For starters, it always seems to be incredibly busy, and simply finding a parking spot can be a chore in and of itself. For the fee averse, the idea of ponying up the cost of an annual membership can be annoying.

But irritants aside, the money-saving opportunities may be too great to ignore. Tom Drake is the owner and head writer of the award-winning MapleMoney. With a career as a Financial Analyst and over a decade writing about personal finance, Tom has the knowledge to help you get control of your money and make it work for you. Lol anyone know if this is the case? I would most def inquire. I was told on Saturday I would receive the difference back if I did not spend enough by the end of my 1 year.

I found this out today from thr Costco help desk. Does anyone remember Cape Cod Kettle Cooked potato chips. You just have to call in to check if they have inventory. Even their tire center is great with lifetime balancing and rotation for the tires that you buy there! I have lost my card. Could I have a new card sent to me as the closest store is over km. Next time u go in.. I am a costco employee? Why mess with Costco in the first place?

I shop wholesale for my household consumables. And you get Free products for 5 months for shopping every month, plus loyalty dollars to spend on more free stuff every month thereafter.

Plus discounts for shopping online at other stores — the benefits are endless. Admittedly, if you need a lot of big ticket items like TVs or a ton of paper products how much bathroom tissue can you use? The gas bar is worth the price of membership. There are line ups for gas but I often go at pm on a Monday or Tuesday night on my way home it is usually pretty quiet.

Even if one does not back with PC Financial, there is a 3. Also, I should mention that we have been Costco members in the past and did not find it worth the membership fee. According to the Costco website[N. When I needed gas,I thought I would get the gas reward too. I recently wrote about getting a Costco membership for free on my blog. I liked your post a lot and wanted to share mine with you.

To follow up on what Adeem said, we opted for the executive membership one year, and did NOT earn the money back. Costco sent us i. The only conditions, as I recall, were that we had to use the voucher at Costco not a big deal and that we had, I believe, one year to use it.

I am to understand there is really no cash back but rather vouchers that must be used at Costco, also when you look at it yes we are giving Costco interest free loans, imagine the interest they must be making on this membership.

In all provinces: prescription drugs all tobacco products including: cigarette paper, lighters, matches and tubes all food court items all bottle deposits and refunds all taxes and levies all Costco Services click here for a complete list eye examinations tire disposal fees where applicable tire mounting and balancing, and stud installation fees gift certificates and Costco Cash electronic gift cards membership fees oil disposal fees where applicable home delivery charges administration fees gasoline charitable donations third party insurance payments postage stamps environmental fees, deposits or levies other items, products and services specified as exclusions from time to time.