You Can Shop on Costco's Site if You're Not a Member -- but There's a Big Catch

There's a lot of talk about warehouse clubs like Costco. Shoppers like getting a good deal on groceries and household essentials, so they often share their excitement. If you're wondering if you can shop Costco's online deals without paying an annual membership fee, the answer is yes. Anyone can shop on the Costco website. But there's one catch that you should be aware of before you start shopping for the best Costco deals. Here's what you need to know.

Non-members pay a surcharge 

Anyone can shop on Costco's website -- but if you're not a member, you'll pay more. Costco imposes a 5% surcharge over the posted prices for non-members. This applies to all purchases, except prescription drugs. The company does this because the annual membership fee helps cover the heavily discounted retail prices you see in-store and online. 

If you plan to shop on Costco's website without becoming a member, you should budget for this additional surcharge. If you're planning to place a sizable order or shop the Costco website often, you may want to consider whether it's worthwhile to become a member instead.  

So, when does it make sense to pay the membership fee? Costco's cheapest membership will run you $60 yearly. With that figure in mind, if you plan to spend around (or more than) $1,200, you'll likely want to pay the membership fee instead because $1,200 in spending with 5% surcharges is $60 in additional fees -- which could cover your annual membership fee. 

You should also factor in shipping costs. Costco members can order eligible items online and pick them up at their local club. You won't have that privilege as a non-member, so you'll also pay shipping fees. That's another extra cost that will impact your bank account balance. 

But even if you don't plan to spend that much money, joining may be better. Costco notes on its website that online and in-club prices can vary. So, by becoming a member and being able to shop at your local club, you may get better deals. Becoming a member and getting a discount on everyday goods could be a win for your personal finances. 

Take advantage of Costco's 100% satisfaction guarantee

Costco has a risk-free 100% satisfaction guarantee. If you pay the membership fee and are dissatisfied at any time, Costco will cancel your membership and refund the membership fee. This guarantee also extends to many of the products sold by the warehouse club. 

For most purchases, except for some exclusions like alcohol (which can't be returned) and electronics (which have a shortened return period), if you're dissatisfied with a purchase, you can return the merchandise for a refund. If you decide to become a member, you can feel confident knowing you can return most everyday items if you're unhappy with a purchase. 

Do this to earn rewards when you shop 

Whether you shop on the Costco website, in-club, or at another retailer, don't miss out on the chance to earn valuable rewards. By using one of the best rewards credit cards to pay for everyday purchases, you can get rewarded for shopping. Life is expensive, so any rewards earned can add up and make a difference. Check out our list of the best cash back credit cards to discover how you can earn cash back rewards when you spend money.