Memberships

Costco costs $65 a year, Sam’s Club and BJ’s $60. The upgrades all pay 2% back, but break even at $3,000 to $3,250 a year. The maths for each.

Shipt and Instacart+ both cost $99 a year, but Shipt waives delivery at $35 and Instacart at $10. Here is the arithmetic on which one fits your basket.

Strip out Prime Video and Prime costs about $140 a year for shipping, perks and discounts. Here’s the worksheet that shows if you break even.

BJ’s Club costs $60 a year and Club+ $120. The $60 upgrade needs $3,000 of eligible spending, and BJ’s Gas doesn’t count toward it.

Target Circle 360 costs $99 a year. Same-day delivery costs non-members $9.99 an order, so it takes 10 deliveries a year to break even.

Sam’s Club Plus costs $120 a year against $60 for Club. That $60 gap needs $3,000 of in-club spending, or five deliveries, to pay for itself.

Uber One costs $96 a year. That is $8 a month of benefit you have to actually collect. Here is the arithmetic, lever by lever.

DashPass costs $96 a year. At DoorDash’s own $4-5 saved per order, you break even at 20-24 orders. Count your last 12 months to check.

Instacart+ costs $99 a year. The Peacock Premium subscription it includes lists at $129.99. Here is the arithmetic on when that actually works.

Prime Student is now Prime for Young Adults — about $70 a year, half of standard Prime. Here’s the break-even maths and who should skip it.

If you receive SNAP or Medicaid, Amazon Prime costs about half the standard rate. It’s barely advertised and widely unclaimed — here’s how it works.

Yes — but only if you do one thing on the day you sign up. Here’s the trick that makes a Prime trial genuinely free, and the trap that doesn’t.