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Can You Use Someone Else’s Costco Card? What You Need to Know 

Are you wondering if you can use someone else’s Costco card for your shopping needs?

Well, the answer to this concern might excite you!

Costco is known for its warehouse club membership, offering exclusive shopping access to a wide range of products at competitive prices.

Many people often worry about how strict the membership policy is and if they can benefit from a family member’s or friend’s card.

It’s important to know that the official policy states that Costco membership cards are non-transferable.

However, there are certain ways to enjoy the Costco shopping experience without violating their guidelines.

In this article, you’ll learn about these legitimate methods that can help you save while accompanying a Costco member.

While you can’t simply borrow and use someone else’s card, understanding Costco’s policy will help you maximize your shopping possibilities.

So, get ready to discover the ins and outs of navigating this wholesale giant with confidence!

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Understanding Costco Membership

Membership Types

There are different types of Costco memberships available to suit your needs.

You can choose between Gold Star, Gold Star Executive, and Business memberships.

Each membership type offers different perks, so you should select the one that best fits your shopping habits and requirements.

Age Requirements

To become a Costco member, you must be at least 18 years old.

This age requirement ensures that members are responsible enough to make their own purchasing decisions and helps maintain a wholesome shopping atmosphere for everyone.

Membership Fee

Costco memberships come with an annual fee, which varies depending on the type of membership you choose.

Gold Star membership starts at $60 per year, while the Gold Star Executive membership costs $120 annually.

Business memberships also start at $60 per year.

By paying this membership fee, you gain access to a host of exclusive Costco savings and deals that can help offset your annual costs.

Online Account

When you sign up for a Costco membership, you’ll also have the option to create an online account.

Your online account allows you to manage your membership details, place online orders, and access digital versions of Costco’s advertisements and promotions.

It’s a convenient way to stay connected to Costco and make the most of your membership experience.

Can You Use Someone Else's Costco Card membership benefits

Membership Benefits

Discounts and Savings

As a Costco member, you’ll be the first to know about exclusive deals and promotions.

This means more savings on the items you love!

With Costco’s incredible discounts, you can save on everything from electronics to groceries and much more.

The more you shop, the more you’ll enjoy these excellent deals.

Access to all Costco Warehouses

Your Costco membership gives you full access to all Costco warehouses worldwide.

If you’re traveling to another city or country, don’t worry!

You can still enjoy that same fantastic shopping experience at any Costco warehouse you choose.

All it takes is a quick show of your member card, and you’re good to go.

Exclusive Benefits

Beyond discounts, your Costco membership unlocks a variety of exclusive benefits.

For example, you’ll have access to Costco’s excellent Kirkland Signature products, which are premium quality and budget-friendly.

Plus, Costco offers members-only services such as travel, insurance, and auto programs.

Make sure to explore and take advantage of these exclusive benefits every time you visit a Costco warehouse.

After all, you’re a valued member!

Who Can Use a Costco Card

Primary Members

As a Costco Primary Member, you’ll enjoy all the benefits that come with your membership.

From exclusive deals to a vast selection of products, your Costco card unlocks a world of shopping opportunities at warehouse club rates.

Primary Members can also share these benefits with someone in their household.

Household Members

Costco allows Primary Members or Account Managers to add another person to their home as a Household Member.

This individual will also have access to Costco’s benefits through their own Household Card.

It’s super easy to add someone to your account; just sign in and head to Account Details on your Account.


Have a friend who wants to experience Costco but isn’t a member?

No problem!

You can bring them as a guest when you shop in-store.

However, they won’t be able to use your Costco card for their own purchases, ensuring that membership benefits remain exclusive to cardholders and their household members.

Business Members

Running a business and need bulk supplies?

Costco’s Business Membership has you covered.

Business Members enjoy the same warehouse savings as regular members but with added benefits tailored to business needs.

As a Business Member, you can also add Affiliate Cardholders to your account, giving co-workers or employees the opportunity to purchase items for the company using your membership.

Whether you’re a Primary Member, a part of a household, or a business owner, Costco offers various membership options to cater to your shopping needs.

Can You Use Someone Else's Costco Card Usage Policies

Card Usage Policies

Non-Transferable Rule

Exciting news about Costco cards! 

They’re non-transferable, which means you cannot pass your card to someone else.

However, don’t let that discourage you because there are other ways to share your Costco experience with family and friends.

You’re allowed to bring up to two guests with you during each visit.

Shopping is exclusive to members, but at least your friends can join in on the fun!

At the Checkout

When you’re at the checkout, be prepared to show your membership card.

This is where things can get a bit tricky if you’re trying to use someone else’s card.

Remember, your card is non-transferable, so using a family member’s card without them present will be a problem.

In fact, you might be turned down if the cardholder isn’t there with you.

Keep the shopping experience smooth, and make sure the cardholder is with you during the process.

Alcohol Purchases

Costco provides a selection of alcohol for you to choose from while enjoying low prices.

Although membership is required to shop, some states in the US have laws where you can buy alcohol without a membership.

Each state might have different rules, so make sure to check your local regulations and confirm if Costco permits non-members to buy alcohol in your area.

Pharmacy Services

Your health is essential, and hopefully, you’ll find it exciting that Costco offers pharmacy services at discounted prices for members!

Now, you might wonder if you can use someone else’s Costco card for these services.

Pharmacies usually require proof of identification for prescription medication purchases, which means using a card that isn’t yours could create difficulties.

It’s always best to ensure your own membership is active when using Costco pharmacy services.

Adding a Member to Your Costco Account

Adding a Household Member

Exciting news! Adding a household member to your Costco membership is super easy.

If you’re the Primary Member or Account Manager, you can assign a free household card to another person in your home and share the fantastic benefits of Costco membership with them.

Here’s what you need to do:

  1. Sign in to your Costco account.
  2. Go to Account Details.
  3. Add the household member.

Once you’ve completed these steps, the lucky person you’ve chosen will be able to pick up their membership card at the local Costco you choose.

And, of course, you can change or add authorized users anytime by simply following the same steps.

Adding a Business Affiliate

When you sign up for a Costco Business Membership, you can add up to six affiliate members. Here’s the process:

  1. Ensure that you have a Costco Business Membership.
  2. Add your affiliates’ information during the membership signup or visit your local Costco warehouse membership counter.
  3. Pay the annual fee for each affiliate member added.

Just remember that these affiliate members must be 18 years of age or older and must either be owners, managers, or officers of your business.

With their new memberships, they can now enjoy the same fantastic offers and wholesale prices that you love, making it a win-win for your business collaboration!

Misuse of Costco Card


If you attempt to use someone else’s Costco card, be prepared to face penalties!

Misusing a card can lead to being denied access to the store and severe consequences.

Remember, each Costco card is linked to a specific individual and is non-transferable.

So, be cautious about whose card you’re using, as it may land you in hot water!

Revoking Membership

Costco takes the misuse of membership cards seriously.

If you’re caught using someone else’s card, it’s possible that your membership could be revoked.

Losing your membership means losing exclusive access to Costco’s amazing deals and products.

It’s not worth the risk.

Follow the rules and keep your membership intact.

Returning Purchases

If you’ve managed to make a purchase using someone else’s Costco card, the return policy may not be favorable for you.

Your returns might be more complicated, as the items would have been purchased under a different membership account.

Always use your own Costco card for purchases to ensure a smooth and hassle-free shopping experience.

Costco and Non-Members

While Costco is a membership-based warehouse store, there are certain instances where non-members can take advantage of some of its services.

Below are a couple of these situations that cater to non-members.

Gift Card Holders

Did you know that you can shop at Costco even without a membership if you have a Costco gift card?

As long as you have the gift card, which is referred to as the Costco Cash Card, you are welcome to shop at the store.

Just present the card at the entrance, and you’re good to go.

However, please note that only members can purchase or reload Costco Cash Cards, so you might have to ask a friend or family member who is a member to help you out.

Pharmacy Customers

Here’s some exciting news for non-members: you can access Costco’s pharmacy!

In some regions, due to state laws, it is required that pharmacies be accessible to everyone.

So, if you need to purchase prescription medication or take advantage of Costco’s affordable drug prices, you’re in luck.

Remember that accessing the pharmacy doesn’t grant you permission to shop for other products in the store.

Be sure to check with your local Costco to confirm its pharmacy policies for non-members.

Can You Use Someone Else's Costco Card Usage Policies

Can You Use Someone Else’s Costco Card: Parting Thoughts

So, you might be wondering if you can use someone else’s Costco card.

Unfortunately, the answer is no. 

Costco memberships are non-transferable and can’t be used by someone other than the cardholder.

However, you’re not completely out of luck for enjoying those Costco savings!

Members can share their benefits with one other person in their household.

By assigning your free household card to someone living at the same address, they, too, can benefit from a Costco membership!

But remember, using someone else’s card who doesn’t reside with you is not allowed.

For those without a membership, there are still other ways to access Costco deals, such as tagging along with a member to shop together or exploring their online offerings.

In the end, it’s important to respect Costco’s policy while still finding ways to save on your favorite products.

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