Costco Return Policy 2026: The Most Generous Return Policy in Retail?

Costco is famous for its incredibly generous return policy — often called the best in retail. But "generous" doesn't mean "no rules." There are important exceptions that catch members off guard every day.

Whether you're returning a mattress you bought three years ago or trying to swap out a laptop, this guide covers everything you need to know about Costco's return policy in 2026 — including the exceptions, the loopholes, and how to make sure you never lose money on a Costco purchase.

Costco's General Return Policy: Almost No Time Limit

That's right — for most items, Costco has no return deadline. You can return a blender you bought 2 years ago if you're not satisfied. This "100% satisfaction guarantee" is what makes Costco legendary among shoppers.

But before you assume everything is fair game forever, let's talk about the exceptions.

The 90-Day Exception: Electronics

Costco's biggest exception is electronics. The following items have a 90-day return window:

• TVs and monitors
• Computers, laptops, and tablets
• Cameras and camcorders
• Cell phones (carrier-activated phones may have additional restrictions)
• Smartwatches and major appliances
• Projectors and drones

90 days is still generous compared to most retailers (Best Buy gives you 15 days), but it's a hard cutoff. Miss it and Costco will decline your return.

Pro tip: Costco's Concierge Services provides free tech support for electronics purchased at Costco. If something breaks after 90 days, call them before assuming you're out of luck.

Other Return Exceptions

🚫 Items Costco Won't Take Back

• Cigarettes and alcohol (where prohibited by law)
• Custom/personalized items
• Gold bullion and gift cards
• Tires — handled by the tire center with a separate warranty

💎 Diamonds Over 1.00ct

Diamonds over 1 carat require the original paperwork (IGI and/or GIA certificates). Costco will inspect the diamond and issue a Jewelry Credit Memo within 48 hours. You'll get the refund once inspection is complete.

🏠 Membership Itself

You can cancel your Costco membership at any time for a full refund. If you're not getting enough value, this is worth knowing — but fair warning, frequent membership cancellations and re-signups may get flagged.

How to Return Items at Costco

In-Store Returns (Easiest)

1. Bring the item to the returns counter at any Costco warehouse
2. No receipt needed — they look up purchases via your membership card
3. Get your refund on the spot (original payment method or cash)

Online Returns (Costco.com)

1. Log into your account at Costco.com
2. Go to Orders & Returns
3. Select the item and click "Return Item"
4. Print the prepaid shipping label
5. Ship it back (free return shipping)

Or — you can return most Costco.com purchases in-store. The exception is items that ship via freight (large furniture, appliances) which must be returned online.

Costco vs. Other Retailers: Return Policy Comparison

No contest. Costco's return policy is the most consumer-friendly in mainstream retail. The unlimited return window on most items is unmatched.

Can Costco Revoke Your Membership for Too Many Returns?

Technically, yes. Costco reserves the right to revoke memberships at their discretion. While they rarely do this, members who abuse the return policy — returning used items years later, returning seasonal items after use (patio furniture after summer) — have reported getting flagged.

The unwritten rule: be reasonable. Costco's policy is generous because most members don't abuse it. Return genuinely defective or unsatisfactory items, and you'll never have an issue.

5 Tips to Maximize Costco's Return Policy

1. Track your electronics purchases — the 90-day clock starts at delivery/pickup, and it's easy to lose track
2. Use a Costco credit card — the Costco Anywhere Visa by Citi extends manufacturer warranties by 2 years and adds damage protection
3. Check price adjustments — if an item drops in price within 30 days, Costco will refund the difference
4. Keep packaging for electronics — while not required, returns go smoother with original boxes
5. Use Purchy to track everything — automatic return deadline alerts for your 90-day electronics window

Costco Price Adjustments: The Hidden Perk

Most people don't know this: if an item you bought at Costco drops in price within 30 days, you can request a price adjustment at the membership counter. No need to return and re-buy — they'll just refund the difference.

This applies to in-store and online purchases. Just bring your receipt (or membership card) and show them the current lower price.

The Bottom Line

Costco's return policy is genuinely the best in retail — but the 90-day electronics exception catches thousands of members off guard every year. The key is knowing the rules and tracking your purchase dates, especially for big-ticket electronics.

That's exactly what Purchy does. It automatically tracks your Costco purchases (and every other retailer), alerts you before return deadlines, and catches price drops so you can claim adjustments. No more guessing, no more missed deadlines.