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Costco Gas Prices vs. Local Stations: How Much Can You Save in 2026?

As gas prices continue to climb, drivers who are more selective about where they fill up can save a meaningful amount over time. In many areas, Costco gas stations are among the most affordable options.

Learn how much you can save at Costco, how to compare prices with other local and warehouse store options, and other factors to consider to help you save.

[Read: Costco vs. Sam’s Club: Which Membership Is Worth It in 2026?]

Why Costco’s Gas Is Cheaper

“Costco offers many savings opportunities, including at their pump with up to 30 cents cheaper fuel compared to other gas stations,” Andrea Woroch, a budgeting and shopping expert, wrote in an email. According to reports, Costco has been known to maintain lower gas prices even when national averages rise.

Its fee-based membership model and high gas volume enable the warehouse store to keep prices lower.

According to Costco’s year-end report for 2025, the retailer operated 747 gas stations, with gas representing approximately 10% of its total net sales. The company also notes that these ancillary services help drive more frequent shopping at its warehouses.

[Read: How to Avoid Sticker Shock at the Gas Pump: 6 Essential Tips From U.S. News’ Senior Car Expert]

What Does Costco Gas Cost?

Gas prices at Costco, like those at other stations, vary by region. However, drivers can often save around 10 to 30 cents per gallon compared with nearby stations, with larger discounts possible in some markets depending on local conditions and competition.

For a vehicle with a 14-gallon tank, that works out to roughly $1.40 to $5.60 in savings per fill-up, depending on the price gap. Those savings can add up even more for households with larger vehicles, multiple cars or frequent driving.

For example, a 20-gallon SUV that fills up twice a week could save more than $800 per year at a 40-cent-per-gallon discount — though actual savings will vary based on local prices and driving habits.

[Crude Oil vs. Gasoline Prices: How They Differ and What Rising Prices Mean for Your Wallet]

Is It Worth Getting a Costco Membership to Save on Gas?

When considering if a membership to Costco is worth it, the gas savings alone can often offset the fee, Woroch wrote.

Here’s some math: Costco’s Gold Star membership costs $65 per year. Let’s say you can save 30 cents per gallon by choosing Costco over your local station. That would be $3.60 in savings per fill-up for a 12-gallon vehicle. After just 18 fill-ups, you’ve covered the membership fee — before even setting foot in the store.

Membership Cost Estimated savings per gallon Savings per fill-up on 12-gallon vehicle Break-even point
$65 for Costco’s Gold Star 30 cents $3.60 18 visits

Bonus tip: If you get the Costco Anywhere Visa® Card by Citi and use it to pay for gas at Costco stations, you’ll also earn 5% back.

It’s important to consider the location and distance of your nearest Costco when deciding whether it’s worth it, according to Woroch. “If the warehouse is a further distance or one that isn’t along your typical route to work or kids’ activities, it may feel out of the way,” she wrote.

In that case, it may make more sense to choose a closer gas station with only a small price difference, rather than driving farther and spending more on gas and time. “I like using the GasBuddy app for this to see the prices in my vicinity to determine where I could fuel up for less,” Woroch wrote.

[Read: Best Gas Apps That Will Save You Money at the Pump]

Other Places to Find Cheaper Gas

While Costco fuel prices are generally competitive, they’re not the only game in town.

“Gas prices within most cities vary from 13 to 33 cents per gallon for regular grade fuel,” wrote Thomas Weinandy, principal research economist at Upside, an app that provides cash back on gas and other purchases. He also pointed out that those figures come from a March 2026 Upside analysis of price dispersion across U.S. cities.

For example, some other club memberships also offer discounted fuel at their participating locations, including:

Sam’s Club: Lower-than-average gas prices are typical. For example, at the time of publication, the Edison, New Jersey, location was offering gas at $3.38 per gallon.

BJ’s Wholesale Club: Along with lower average prices, club members may find promotions offering discounts of up to 30 cents per gallon for eligible in-store purchases.

Walmart+: An added perk of this membership is that you get 10 cents off per gallon at thousands of gas stations, including Exxon, Mobil and Murphy locations.

You may also find that independently run gas stations offer competitive pricing. “Drivers who take a few minutes to compare nearby stations can save meaningful amounts of money over longer periods of time,” Weinandy wrote.

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Costco Gas Prices vs. Local Stations: How Much Can You Save in 2026? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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