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Costco Membership vs. Sam’s Club: Fees, Benefits, and Value in 2026

By Freedom251 Team · · 4 min read

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For U.S. shoppers, the standard annual fees are close: Costco charges $65 for Gold Star and $130 for Executive, while Sam’s Club charges $60 for Club and $120 for Plus. The better value depends on your qualifying spending and whether you use the premium tier’s services—not simply on the lower entry fee. The fees and benefits below reflect official pages checked October 4, 2026; confirm current terms and checkout prices before joining.

How much do Costco and Sam’s Club memberships cost per year?

Retailer Base membership Premium membership Premium upgrade
Costco Gold Star: $65/year Executive: $130/year $65/year
Sam’s Club Club: $60/year Plus: $120/year $60/year

Costco’s listed fees are before applicable sales tax. Sam’s Club confirmed that its standard fees became effective May 1, 2026, according to Axios. Sam’s Club may advertise a limited-time first-year promotion for eligible new members; that offer is not the standard recurring renewal price. Check the current offer, renewal amount, eligibility and auto-renew terms at checkout. Costco’s membership page and Sam’s Club’s join page list the current tiers and terms.

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What do the premium memberships add?

Costco Executive

Executive costs $65 more per year than Gold Star. Costco says members earn a 2% annual reward on qualifying purchases at Costco, Costco.com and Costco Travel, up to a $1,250 maximum. Eligibility rules and exclusions apply; not every purchase necessarily qualifies. Costco also advertises a $10 monthly credit for Executive members on an eligible SameDay.Costco.com order of $150 or more, subject to terms. See Costco’s current membership details and its membership privileges and conditions.

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Sam’s Club Plus

Plus costs $60 more per year than Club. Sam’s Club lists 2% Sam’s Cash on qualifying purchases, capped at $750 per 12-month membership period. Qualifying transactions and exclusions apply; check the Sam’s Club Sam’s Cash terms for current details.

Plus benefits listed by Sam’s Club include free shipping on eligible orders over $50, free delivery from club on eligible orders over $50, early shopping, and additional pharmacy, optical, tire and battery benefits. Eligibility and availability can vary. The Sam’s Club benefits page outlines current conditions.

How much do you need to spend for the 2% reward to cover the upgrade?

For a reward-only calculation, divide the annual upgrade fee by the 2% reward rate. This assumes all of the spending in the calculation qualifies; it is not a guaranteed return.

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Premium tier Annual upgrade fee Qualifying spend to earn that amount at 2%
Costco Executive $65 $3,250 per year
Sam’s Club Plus $60 $3,000 per 12-month membership period

Actual rewards depend on qualifying purchases, exclusions and the program’s terms. A shopper may still value a premium tier’s delivery, shipping or other services below these spending levels; count them only if you would use them and they apply to your orders.

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What do the base memberships include?

Sam’s Club Club and Plus

Sam’s Club lists fuel savings, Scan & Go, two membership cards and curbside pickup with both Club and Plus. Club curbside pickup is free on eligible orders over $50; Plus has no minimum for that benefit, according to the official benefits page. Order eligibility and service availability apply.

Costco Gold Star and Executive

Costco’s household-card rule differs from Sam’s Club’s description: a primary member may designate one additional household member for a card, provided that person is at least 16 and lives at the same address. Check Costco’s household-card policy for details. Do not assume the two clubs’ card entitlements or eligibility rules are identical.

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Which membership is better for your household?

There is no universal winner established by the published membership terms. Compare the factors that affect your own costs and convenience:

  • Qualifying annual spend: Estimate purchases eligible for each program’s reward rather than treating all grocery, in-club or online spending as eligible.
  • Delivery and pickup: Consider whether you meet order thresholds, use eligible services and live where those services are available.
  • Fuel access: A fuel benefit matters only if a relevant warehouse station is convenient and you use it enough to count.
  • Services: Compare Costco services with Sam’s Club pharmacy, optical, tire and battery benefits based on what your household actually uses.
  • Household access and convenience: Check card eligibility, nearby locations, hours and shopping habits.
  • First year versus renewal: Separate a temporary sign-up offer from the standard annual fee that may apply later.

The official membership pages establish fees and benefit terms, not local convenience, same-basket prices or product-quality rankings. A price comparison requires a current basket of items available to you; the listed membership benefits alone cannot show which store will cost less overall.

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Sam’s Club membership refund terms

Sam’s Club says it will cancel a membership and refund the amount paid for the current-year membership fee if a member is unsatisfied and asks. Its terms exclude memberships purchased under the sponsored membership program and limit Plus cancellation to one per household or business per year. Review the current official membership terms for the applicable conditions.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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