Is Costco worth it for a couple with no kids?

Yes—Costco can be worth it for a couple with no kids if you can reliably save more than the annual membership cost and have space to store bulk items. It tends to make the most sense for couples who buy gas, meat, coffee, paper goods, cleaning supplies, vitamins/OTC meds, frozen foods, pet supplies, or occasional big-ticket items.

A good rule: if your membership is about $65/year, you only need to save roughly $5–$6 per month to break even. If you’re considering the Executive membership at about $130/year with 2% rewards, it usually only beats the basic membership if you spend around $3,250/year at Costco, before considering any extra savings.

For a no-kids couple, it is less worth it if you live in a small apartment, dislike meal planning, rarely drive, don’t have a nearby warehouse, or often throw away food because bulk sizes are too large.

Best move: try the basic membership first, track whether you actually save on your normal purchases, and upgrade only if your annual Costco spending makes the Executive reward worthwhile.