For many shoppers, joining Costco isn’t just about bulk buying—it’s about long-term savings and convenience. Over the years, the warehouse retailer has built a loyal customer base drawn to its low prices, wide selection, and generous return policy. According to The Street, most Costco members say the annual fee pays for itself through discounts on groceries, gas, and household goods. But how much does a membership actually cost, and what does it include? And what are the different membership options? These questions can seem intimidating to unravel, but they actually break down simply, and understanding them can help consumers make the right choice for their needs.

The first thing to understand is that Costco offers both personal and business memberships, each designed to help shoppers ma

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