Can Someone Else Use My Costco Rewards? Exploring the Rules and Exceptions



Costco is renowned for its loyalty program that offers various rewards and benefits to its members. However, you might be wondering if someone else can use your Costco rewards. In this article, we will delve into the rules and exceptions regarding sharing Costco rewards, ensuring that you have a comprehensive understanding of how to make the most of your membership.

1. What Are Costco Rewards?

Before we address the issue of sharing Costco rewards, let’s clarify what these rewards are. Costco offers its members exclusive benefits, such as cashback rewards, discounts, and special offers. These rewards are designed to enhance the shopping experience for Costco members.

2. Costco Membership Rules

To understand the dynamics of sharing Costco rewards, it’s vital to grasp the basic rules governing Costco memberships:

  • Individual Memberships: Costco typically issues individual memberships in the name of a specific person.
  • Primary Member: The primary member is the account holder and the individual who is primarily responsible for the account.
  • Add-On Members: Costco allows primary members to add individuals living at the same address as add-on members.

3. Can Someone Else Use Your Costco Rewards?

In most cases, Costco rewards are non-transferable. These rewards are intended exclusively for the primary member or the individual who holds the Costco membership. This means that, under normal circumstances, someone else cannot use your Costco rewards.

4. Exceptions to Sharing Costco Rewards

While the general rule is that only the primary member can use the rewards, there are exceptions to this rule. In specific instances, an add-on member may also be able to utilize certain membership benefits, depending on the nature of the reward or service.

The exceptions might include:

  • Additional Cards: Costco offers the option to add authorized user cards to the account, which can be issued to other household members. These additional cards can be used to make purchases on the account.
  • Prescription Medication: In some regions, Costco may allow an add-on member to pick up prescription medications on behalf of the primary member.

It’s important to consult with your local Costco store or check the terms and conditions of your specific membership regarding exceptions to the usage of rewards.

5. Safeguarding Your Costco Membership

To ensure the security of your Costco membership and rewards, it’s advisable to follow these guidelines:

  • Protect Your Costco Card: Safeguard your Costco card and do not share it with anyone else.
  • Ensure Privacy: Maintain the confidentiality of your membership details and account access.
  • Check the Terms: Familiarize yourself with the terms and conditions of your specific membership.

6. Frequently Asked Questions (FAQs)

Let’s address some common questions related to sharing Costco rewards:

1. Can I share my Costco rewards with family members?

Generally, Costco rewards are non-transferable, but you can add family members as add-on members to share certain benefits.

2. What benefits can an add-on member enjoy?

The benefits an add-on member can enjoy may include the ability to make purchases using an authorized user card and, in some cases, picking up prescription medications.

3. Can I transfer my Costco membership to someone else?

Transferring a Costco membership to someone else is typically not allowed, and it’s intended for the primary member’s use.

4. Can I lend my Costco card to a family member for a single shopping trip?

While this may be possible, it’s best to adhere to Costco’s rules and consider the privacy and security of your membership.

5. What should I do if I lose my Costco card?

In the event of a lost card, contact your local Costco store to report it and request a replacement card.


Sharing Costco rewards is subject to certain rules and exceptions. While Costco’s general policy restricts rewards to the primary member, exceptions like authorized user cards or prescription pickups by add-on members may apply. It’s crucial to understand these guidelines and secure your membership to make the most of your Costco experience while ensuring the privacy and protection of your rewards.

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