Plan comparison
Costco Gold Star vs Executive
Choose Gold Star for the lower fixed cost. Consider Executive when eligible spending is above roughly $271 per month or its other benefits matter to you.
Price checked: Official pricing source: Costco
| Feature | Gold Star | Executive |
|---|---|---|
| Annual fee | $65 | $130 |
| 2% reward | No | Eligible purchases, subject to terms and cap |
| Reward-only break-even | Not applicable | $3,250/year or about $271/month |
| Best fit | Lower or uncertain spending | Higher eligible spending or valued Executive benefits |
Quick verdict
Choose Gold Star if you want the lowest fee, expect to spend below the reward break-even, or are trying Costco for the first time. Choose Executive if your eligible purchases comfortably exceed $3,250 per year and you understand the reward exclusions.
How the break-even works
$65 upgrade cost / $0.02 reward rate = $$3,250.00 annual eligible spendingThe calculation isolates the 2% reward. Other Executive benefits can add value, but only if you will use them.
Compare with your own spending
Use the Costco Membership Calculator to test your spending and estimated savings. Then review the broader Costco membership worth-it guide for travel, storage, and waste considerations.