Costco vs. Sam’s Club

Costco vs. Sam’s Club. Figure out what you’d spend there in a month, then find your row.

Costco

• Under $54/mo (under $650 a year): skip the membership
• $54 to $271/mo ($650 to $3,250 a year): Gold Star, $65 a year
• Over $271/mo (over $3,250 a year): Executive, $130 a year

Sam’s Club

• Under $50/mo (under $600 a year): skip the membership
• $50 to $250/mo ($600 to $3,000 a year): Club, $60 a year
• Over $250/mo (over $3,000 a year): Plus, $120 a year

Going with Sam’s Club? Join through my link: Club membership or Plus membership.

Base tiers assume you save about 10% vs. your usual store. Premium tiers are where 2% back covers the upgrade. Prices as of October 2026. Some purchases don’t earn the 2%. Sam’s Club links are affiliate links (#SamsPartner). Disclosure