Make your membership pay for itself
Calculators for Costco members. Put in what you actually spend and get a straight answer, not a sales pitch.
Calculators
- ExecutiveCostco Executive membership: early hours and is it worth it?The 9 a.m. weekday early hour, every perk, and a calculator for your 2% reward.
- JoinIs a membership worth it at all?Whether your savings cover the $65 Gold Star fee.
- DowngradeShould I downgrade from Executive?The refund from downgrading against the reward you'd keep by staying.
- GasIs the cheaper gas worth the drive?What you really save after the detour and the wait in line.
- Find gasCostco gas stations near youThe closest stations by ZIP code, with a filter for the 60 that sell diesel.
- Find EVCostco EV charging stationsPublic chargers at 152 warehouses, with speed, network, plug types and listed prices.
- CardHow much does the Costco credit card pay you?Cash back from the Costco Anywhere Visa, with the Executive 2% on top.
- PricesIs it cheaper at Costco? Unit price calculatorCompare a bulk pack with your grocery store by the ounce, pound or sheet, counting what you'd waste.
- MeatThe Costco steak hack: is a whole ribeye cheaper?Enter the two label prices to see what cutting your own steaks saves, and how much trim it can take.
- DeliCostco rotisserie chickenThe $4.99 chicken: what's in it, how long it keeps, and the 2026 lawsuits.
- Food courtCostco food court prices and pizza calculatorThe $1.50 hot dog, $9.95 pizza, and how many whole pizzas to order for a group.
- CompareCostco vs Sam's Club vs BJ'sFees and 2% rewards side by side, and which of the six memberships costs you least.
Guides
- RewardsThe Executive 2% reward, explainedWhat earns it, the $1,250 cap, and when it arrives.
- In storeWhat the price tag endings mean.97, .00, .88 and the asterisk, and how far to trust them.
- Price dropsCostco price adjustment: is it too late?Get the difference back within 30 days. Find your last day to ask.
- DealsCostco membership deals right nowThe Shop Card for joining online, the Costco Visa offer, and the student, teacher and military routes.
- DiscountsDoes Costco have a senior or military discount?The short answer, what happened to senior hours, and your real first-year cost with the new-member Shop Card.
- Shop CardCostco Shop Card: using one without a membershipWhere non-members can use it, gas included, how to check the balance, and reloading.
- BakeryCostco bakery: order cakes and cookie traysThe app or the paper form, 3 days to 2 weeks ahead for cakes, and a pickup date checker.
- OpticalCostco Optical: insurance, eye exams, hoursDoes it take VSP, EyeMed or Medicare? How to book an exam, and what glasses include.
- ServicesCostco services: every member perkChecks, pet and life insurance, phone plans, moving and home installs, and which are Executive-only.
- InsuranceCostco auto insurance: who's behind itAmerican Family, the member discount, Executive roadside help, and a state-by-state checker.
- DeliveryCostco delivery: fees, Same-Day vs 2-Day$3 an item or free at $75, Instacart's $35 minimum, tips and the Executive credit.
- PhotoDoes Costco still have a photo center?What closed and when, and what the 51% Shutterfly member discount covers.
- HelpCostco customer service: which number to callMembership, online orders, tech support, travel and the Citi card, with hours and who's open now.
- PayingWhat payment does Costco accept?Mastercard, Amex, EBT, Apple Pay and more, in the warehouse, at the pump and online.
- HoursCostco hours: what time does Costco open and close?Usual warehouse, Executive, gas and pharmacy hours, and whether it's open right now.
- TravelIs Costco Travel worth it?What you get back on a trip with the Executive 2% and the Costco Visa, plus rental car perks.
- PharmacyCostco pharmacy hoursWhen it opens and closes, the lunch break, Sundays, and whether non-members can use it.
- OpticalCostco optical and hearing aidsEye exams without a membership, glasses, hearing aid prices and the free test.
- WarrantyCostco warranty: how long you're coveredThe 2-year extension, Allstate plans, Costco Concierge, and a calculator for your coverage dates.
- TiresCostco Tire Center: what's includedFree installation, the 5-year road hazard warranty, hours, and a warranty credit calculator.
- AutoThe Costco Auto Program: is it worth it?How the pre-set dealer price works, the 15% service discount, auto insurance, and a price comparison.
- TravelCostco car rental: what you get, and is it cheaper?The waived driver fee, no cancellation fees, insurance, and a quote-vs-quote calculator.
- BusinessCostco Business Center locations and hoursAll 27 U.S. Business Centers, their 7 a.m. hours, and who can shop there.
- HolidaysCostco Christmas Eve and New Year's Eve hoursClosed Christmas and New Year's Day; early closing on the Eves.
- Black FridayCostco Black Friday 2026Open or closed, the hours, and whether something you already bought gets the sale price.
- HoursIs Costco open today? Holiday closuresThe 7 holidays Costco closes, with every date for 2026 and 2027.
- CancelHow to cancel a Costco membership and get your money backWhere and how to cancel, the refund rules, and what Executive members get back after the 2% reward.
- ReturnsThe return policy in plain EnglishThe 90-day items, where to return things and how refunds work.
Shopping in Canada, the UK or Mexico?
- UKCostco UK membership: who can joinQualifying jobs, £42 Gold Star, online-only, and an Executive calculator in pounds.
- UKCostco UK opening hours and bank holidaysIs your warehouse open now? Gold Star vs Business hours.
- UKCostco UK Christmas opening hoursChristmas Eve to 4 January, day by day.
- UKCostco tyres in the UKWhat fitting includes and every tyre centre.
- UKCostco petrol stations in the UKAll 22 stations, hours and how to pay.
- UKCostco UK return policy90 days on electronics, 5 years on TVs, and refunds.
- UKDoes Costco UK take Amex?Cards, cash and cheques in the warehouse and at the pump.
- AustraliaCostco opening hours in AustraliaIs your warehouse open now? Christmas and public holidays by state.
- AustraliaHow much is a Costco membership in Australia?A$65 or A$130, and whether Executive pays off.
- AustraliaDoes Costco take Afterpay?How you can pay at Costco Australia.
- 日本コストコの年会費とエグゼクティブ会員（日本語）年会費一覧と、元が取れる購入額の計算ツール。
- MéxicoCostco México (en español)Horario, precio de la membresía y cómo facturar en Costco México.
- CanadaCostco gas stations in CanadaEvery station, gas hours and how to pay.
- CanadaCostco hours in CanadaThe usual hours and all 115 Canadian locations by province.
- CanadaCIBC Costco Mastercard calculatorCash back from the Canadian Costco card, with the Executive 2% on top.
- CanadaCostco membership cost in Canada$65 or $130 a year, what's included, and the CIBC offer.
- CanadaIs Costco Executive worth it in Canada?The $130 membership, the $1,250 cap and Canada's exclusions, with a calculator.
- CanadaDoes Costco Canada take Visa?What the warehouse, the gas station and Costco.ca accept.
- CanadaCostco Black Friday in CanadaHours, the 30-day price adjustment and a checker.
- CanadaCostco return policy in Canada90-day items, no-receipt returns and a deadline checker.
- CanadaCostco pharmacy hours in CanadaOpen Sundays; Quebec closes at 6 p.m. on weekends.
- CanadaCostco Shop Card in CanadaDay passes for non-members, gas and lost cards.
- CanadaCancel a Costco membership in CanadaThe refund and the Executive reward catch.
- CanadaCostco food court menu in CanadaPrices in Canadian dollars and a pizza calculator.
- CanadaCostco Travel CanadaRewards on trips, Manulife travel insurance and car rentals.
- CanadaCostco Business Centres in CanadaAll 11 locations, hours, delivery and who can shop.
- CanadaCostco Christmas and Boxing Day hours in CanadaRemembrance Day to New Year's, province by province.
- CanadaHoliday closures in CanadaGood Friday, Family Day, Victoria Day and the provinces that differ.
Why trust these numbers
Every fee and rule here comes from Costco's own published U.S. terms. Each one is listed, with the date we last checked it, on how we check our numbers. When a fee changes, every calculator updates from that one list.
Fees and rules last checked October 18, 2026.