Costco Shoppers Are Revealing Their Best Membership Secrets And We're Taking Notes

By Jane LaCroix Parade - Trending Stories

Updated April 15, 2026 1:51 PM

When most people think of a Costco membership, they probably picture oversized carts stacked with bulk items, jumbo snack packs, and enough paper goods to last a whole year. But according to savvy shoppers on Threads, the warehouse giant offers SO much more than just bulk buys, and the internet is taking notes-heck… we're taking notes.

In a viral post, Threads user @selmamakescents broke down the true value behind Costco's $65 annual fee, revealing a surprising list of perks that go well beyond the aisles. From travel deals to insurance discounts, the thread sparked a debate among members eager to share their favorite ways to maximize their subscriptions.

Here's a look at some of the best benefits.

Affordable eye exams and optical services

Costco's optical department is a major draw for budget-conscious shoppers. According to the post, eye exams typically cost between $70 and $100 without insurance, and frames and lenses are often significantly cheaper than competitors. Members can even receive complimentary frame adjustments on glasses purchased elsewhere.

"2 sets of progressive contact lenses at the optometrist: $350. 6 sets of exactly the same lenses at Costco: $78," one user shared of their experience.

Another stated, "This alone is worth it. Eye doctor told my husband his glasses would be between $600 and $700. Costco price: $279."

View on Threads

Major prescription discounts

Another standout perk is the Costco Member Prescription Program, which can offer savings of up to 80 percent on medications.

"No insurance required. People WITH solid insurance sometimes find Costco's cash price still beats their copay," the original poster shared.

And it goes beyond humans too, as one shopper pointed out, "About 5 years ago, our Vet gave us a prescription for our dog. I checked the local pharmacies and the cost was a little over $140 a month. Costco was $10.50."

It's also worth noting you don't technically even need a membership for this. "Prescriptions can be purchased without a membership," one user said.

Lower gas prices that definitely add up

Costco fuel stations are consistently cheaper than nearby competitors, making them a go-to for frequent drivers. For many members, the savings at the pump alone can offset the cost of an annual membership.

And if you're a Citi member, that perk goes even farther. "If you get their Citi card, you'd get 5% cash back on their cheap gas too," a shopper shared, with another adding on: "And that reward check every year can be cashed at the store for cash!!"

Their travel department might be the best kept secret

Costco Travel is often described as one of the retailer's best-kept secrets. Members gain access to discounted vacation packages, cruises, hotels, and rental cars, often bundled with perks. "Resort credits range from $50 to $200 depending on the property. Many deals include waived resort fees that can save $30 to $50 PER NIGHT. Some packages include free specialty dining too," the OP wrote.

One traveller revealed, "I went to cabo and even got a $300 gift card to Costco for booking," while another said, "sometimes they offer credits with the trips which can be a great benefit."

Insurance options at member-only rates

From home and auto to renters, life, pet, and business coverage, Costco offers a wide range of insurance products at discounted rates. Some life insurance policies even provide coverage of up to $5 million with lower introductory premiums.

One impressed member shared, "Their auto and renters insurance are amazing!! When I switched to them I saved about $300 on my six month premium. It's lowered every renewal, including my most recent that is $32 lower. I was sure it was going to be higher this time."

Another explained their first hand experience, writing, "Our home owners insurance through Costco treated us so well when our basement flooded."

Home improvement made easy

Planning a renovation? Costco connects members with trusted professionals for projects ranging from kitchen and bathroom remodels to flooring, windows, HVAC systems, and more.

One member who recently got her windows replaced shared her story. "Also when you book and pay through Costco, you get 10% back on a Costco card. $50k in windows through Costco, you get $5k back. Plus if you're an exec member, you get that 2% back on your yearly check," they revealed of their major savings.

Exclusive discounts on rentals and photo services

Members can score 25 percent off Budget Truck rentals and up to 51 percent off Shutterfly orders. The original poster shared that "one cross town move and the membership fee pays for itself outright."

And if you need storage, one shopper shares that Costco offers "a big discount on storage/moving pods!"

Yes, even caskets

Look, no one wants to think about this, but perhaps the most surprising perk of all is that Costco sells caskets, starting at around $1,300 with shipping included. The OP notes that funeral homes are legally required by the FTC to accept caskets purchased elsewhere, making it an unexpected but practical option.

"I bought a casket at Costco. The funeral home was about $5k +, and from. Costco, it was $2k, including delivery to the funeral home. Very seamless transaction, highly recommend, if you were to ever need one," one user shared of her experience.

A second added, "My late husband was buried in a Costco coffin. I'm completely serious. The funeral home prices are absolutely madness, and he was a frugal man. He'd be pleased that I didn't get ripped off. And they are quite nice coffins too."

This story was originally published April 15, 2026 at 12:23 PM.