Costco Rewards Calculators

Calculate how much you cash back you can earn spending at Costco as a Costco Rewards member and using Costco credit cards based on your spend.

Program Details

Costco is an American membership-only warehouse club chain headquartered out of Issaquah, Washington. They have over 780 locations throughout the United States, Canada, Mexico, United Kingdom, Japan, South Korea, and several other countries. Costco competes with Walmart's Sam's Club and BJ's Wholesale Club.

Credit Card Rewards Calculators

The Costco Cash Back Calculators will calculate how much cash back you can earn based on your monthly/yearly spend across categories. Each calculator will also output the cash value of the card based on your spend, how much you value the benefits of each card, and any annual fees the card may have.

compare costco capital one credit card
Compare credit cards side by side based on spend, benefits and annual fees.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. All spend entered (primary/first column only) will carry over to all credit card calculators on the website.

Costco Cash Back Credit Card Calculators

Costco members have exclusive access to the Capital One Mastercard which earns a very nice return across both restaurant and gas station purchases while also having no annual fee and providing both travel and purchase protection.

Earning Rewards

There's two ways you can earn cash back with Costco. You can earn cash back by being a Costco Executive Member and you can earn cash back by using the Costco Capital One Mastercard on everyday purchases.

Costco Membership

Costco offers a standard membership and an Executive membership for both personal and business use. The standard Costco membership for personal use is called Gold Star and grant you the ability to make purchases inside of Costco Wholesale locations. It also includes a free Spouse card. The standard Business membership is the same except that you have the ability to add employees to your membership and you can purchase items with Costco for resale.

The Costco Gold Star Executive membership for personal use is a higher form of membership that grants the same benefits of basic Gold Star membership along with earning 2% back on qualifying Costco purchases and receiving extra benefits on various Costco services. The Business Executive membership is the same except you can add people to your membership and purchase items with Costco for resale.

Is Costco Executive Membership Worth It?

For an additional $60 per year, you'll earn 2% cash back versus earning nothing at all. In order to make up that $60, you would need to spend $3,000 per year or $250 per month at Costco. If you spend more than that, then the personal or business Executive account is worth it. If you don't spend more than that, the Executive membership not be worth it unless you factor in additional value from the other perks that come with membership (discounts, extra benefits, etc).

Earning Costco Rewards w/ Executive Membership

The 2% back you receive as a Costco Executive or Costco Business Executive member is based on pre-tax purchases of most merchandise, including Costco Travel. This is through:

  • Front-end registers at Costco Wholesale warehouses in Canada and the United States
  • Online at
  • (if shipped with a valid U.S. address)

The 2% reward is capped at $1,000 during any 12-month period. This means you can earn rewards on up to $50,000 in rolling 12-month spend. Anything spent over $50,000 will earn you 0%. You'll only receive the 2% reward if you're an Executive Member. Downgrading your membership to Gold Star or Business status or canceling your membership and receiving a refund of membership fees will void your rewards.

The 2% reward is mailed out with membership renewal notices, once per year so be aware of that.

Costco Executive Membership Earnings Calculator

If you want to estimate how much you can earn with Executive membership based on your spend at Costco, you can use the calculator listed below. Enter how much you spend at Costco per month and the calculator will output how much you can earn in a 12-month rolling period. Remember that you can only earn up to $1,000 in Rewards per 12-month rolling period which is hit at $50,000 in 12-month spend or around $4,167 per month.

Costco Executive Cash Rewards Calculator
Monthly Spend
Cash Rewards Earned
2% Back
$0 Annually

If you earn $60 or more annually, the Executive membership is the better option over standard membership.

Costco Rewards FAQ

How many family members can be on a Costco card?

A total of two people can be on a Costco Membership. The primary member and the person who receives the free Spouse card.

How do you obtain your rewards earned with Costco Executive membership?

Cash back rewards earned with Costco Executive membership is mailed to you in the form of an annual reward certificate with your membership renewal notice.

What are the benefits of Costco Executive membership?

Costco Executive membership allows you to earn 2% cash back on eligible purchases made in-store and online with Costco. It also grants extra benefits on certain Costco services.

Is Costco Executive membership worth it?

If you spend more than $3,000 per year at Costco (or $250 per month), Costco Executive membership will be worth it. Don't forget it also comes with other small perks that should be taken into consideration as well.

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