Using CalFresh EBT at Costco - can I shop there with my benefits?
I just got my CalFresh benefits approved last week and received my EBT card in the mail yesterday (yay!). I'm trying to make my benefits stretch as far as possible, and I've heard Costco has good deals on bulk items. Anyone know if they accept EBT/CalFresh? I've never been to Costco before and don't want to fill up my cart only to find out at checkout that they don't take EBT. Also, do you need a membership to use EBT there? Thanks for any info!
22 comments

Mateo Rodriguez
Yes! Costco does accept EBT/CalFresh. I use mine there all the time. You can buy any food items that are normally eligible for CalFresh (no prepared hot foods, alcohol, etc). But you DO need a Costco membership - they won't let you in without one, even if you're using EBT. The basic membership is around $60/year, but honestly it pays for itself if you shop there regularly.
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Nia Thompson
AuthorThanks so much! I was worried about the membership fee since I'm on a really tight budget right now. Do you think it's worth it for a single person? Or am I better off sticking to regular grocery stores?
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Aisha Abdullah
costco is GREAT for ebt but watch out! they don't take ebt for EVERYTHING in the store. like the hot dogs and pizza at the food court is a no-go with ebt. also the rotisserie chickens aren't covered even tho there so cheap. but all the regular groceries work fine with ebt just swipe like normal. if ur card doesn't work for some items you'll need a second payment method for those things.
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Ethan Wilson
This is true for ANY store though, not just Costco. EBT never covers prepared hot food anywhere (except in counties with the Restaurant Meals Program for homeless, elderly or disabled). But yeah, good reminder about bringing a second payment method!
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NeonNova
The MEMBERSHIP FEE is the real issue here. $60/year might not seem like much but when you're on CalFresh every dollar counts! I tried splitting a membership with my sister but Costco caught on and wouldn't let us both use it. So frustrating that you need to PAY just to use your BENEFITS that you're ENTITLED to. The system is designed to keep poor people poor!!
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Mateo Rodriguez
I understand your frustration with the membership fee, but Costco is a membership warehouse club - that's their business model regardless of payment method. There are plenty of other stores that accept EBT without membership fees - Walmart, Target, Aldi, most regular grocery stores. No one is forced to shop at Costco to use their benefits.
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Yuki Tanaka
For a single person, I'm not sure Costco makes the most sense with CalFresh benefits. I've found that: 1) The package sizes are often too big for one person and food might spoil, 2) You might spend too much of your monthly benefits at once, and 3) You'll need storage space for bulk items. I'd recommend checking out discount grocers like Grocery Outlet or Aldi first - they accept EBT with no membership fee and often have great prices on smaller quantities.
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Nia Thompson
AuthorThat's a good point about package sizes. My apartment is tiny with minimal storage. I didn't think about potentially wasting food if I can't use it all before it goes bad. Maybe I'll check out Grocery Outlet first!
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Carmen Diaz
I found it SO ANNOYING trying to reach someone at the county office to ask questions about where I could use my CalFresh benefits when I first got approved! I was on hold forever and kept getting disconnected. Finally used a service called Claimyr that helped me get through to a real person at my county office right away. They confirmed Costco takes EBT and answered all my other questions too. You can check out how it works at claimyr.com or see their demo at https://youtu.be/eZ19FHRETv8?si=_CXnXqNXbLl26WB8 - saved me hours of frustration!
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Ethan Wilson
Does this actually work? I've been trying to get through to my worker for 2 weeks about my SAR7 form and keep getting the runaround.
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Carmen Diaz
It worked for me! I was skeptical at first but was desperate after spending like 3 days trying to get answers. They got me through to a real person in under 30 minutes.
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Andre Laurent
i've been on calfresh for 5 yrs and used to think costco was worth it but then i did the math... even with the "savings" from buying in bulk, after paying the membership fee I wasn't actually saving much. plus i kept buying stuff i didn't really need just cuz it seemed like a good deal. my advice is track ur actual spending for a few months before deciding if its worth it.
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Nia Thompson
AuthorThat's really helpful insight. I think I might be tempted to overspend too just because it seems like a good deal. I'm going to follow your advice and track my spending at regular stores for a while first.
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Ethan Wilson
One thing nobody mentioned - if you have a friend or family member with a Costco membership, they can buy you Costco gift cards (called Shop Cards). You can use those to enter and shop at Costco WITHOUT a membership! So you could potentially use your EBT at Costco this way without paying the membership fee. Just have someone who has a membership buy you a Shop Card in whatever amount, then you can go in and use your EBT plus the Shop Card.
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Yuki Tanaka
This is technically correct, but there's a catch - you need to use the Shop Card for part of your payment. You can't just use it to get in the door and then pay 100% with EBT. So you'd need to put some of your purchase on the Shop Card and some on EBT. Worth mentioning for completeness.
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Aisha Abdullah
btwwww i forgot to say costco sometimes has these special food stamp deals that don't get advertized! like last month they had this thing where if u spent $200 on ebt they gave u a $25 gift card to use on non-food stuff. i got cleaning supplies with mine. ask at customer service if they have anything like that going on!!!!
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Nia Thompson
AuthorOh wow, that's a great tip! I had no idea they did special promotions like that. I'll definitely ask about it if I decide to get a membership.
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Mateo Rodriguez
Just so you're fully informed, here are the main items you CAN buy with EBT at Costco: - Fresh produce, meat, dairy - Canned and packaged foods - Bread and cereal - Snack foods and non-alcoholic beverages - Seeds and plants that produce food Items you CANNOT buy with EBT at Costco: - Hot prepared foods (rotisserie chicken, food court items) - Vitamins and medicines - Non-food items (toilet paper, cleaning supplies) - Pet food - Alcohol and tobacco Hope this helps with your planning!
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Nia Thompson
AuthorThis list is super helpful, thank you! I didn't realize seeds and plants were covered - that's interesting. I might try growing some herbs in my apartment window.
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Wesley Hallow
Another option to consider if you're on a tight budget is Sam's Club - they also accept EBT and their membership fee is usually about $15 cheaper than Costco (around $45/year for basic membership). The selection isn't quite as good as Costco but still decent for bulk shopping. Also, some locations offer free one-day passes if you want to check it out first before committing to a membership. You just pay a 10% surcharge on purchases, but it's a good way to test if warehouse shopping works for your needs and budget!
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Axel Far
Hey @Nia Thompson! Just wanted to share another money-saving tip that might help you stretch your CalFresh benefits further. Before you decide on Costco or any warehouse store, check out your local food banks and pantries - many of them don't have income restrictions and can supplement your grocery budget significantly. I use CalFresh plus visit my local food bank twice a month, and it's made a huge difference in making my benefits last the whole month. The food bank near me even has fresh produce and sometimes bulk items similar to what you'd find at Costco. It's worth looking into while you're figuring out your shopping strategy! You can find local food banks through 211.org or by calling 2-1-1.
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Diego Fisher
@Axel Far This is such great advice! I m'really new to all of this and honestly didn t'even think about food banks being an option since I have CalFresh now. I was kind of embarrassed about it, but you re'right that it could really help stretch my benefits. I ll'definitely check out 211.org - thank you for the specific resource! It sounds like combining different options might be the smartest approach while I m'learning how to make everything work.
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