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Costco sent me an offer for a credit card with a cash reward program. I really did not want or need an additional credit card and was also thinking of not renewing my membership in an effort to save money. After reading the brochure it seemed to me that the reward program would pay for my membership and this is exactly what it has done. In addition, they have a coupon booklet that saves me more money. It turned out to be a win, win situation and I am happy I took the time to review the offer and give it a try. Their credit card also has a 3% cashback bonus for gasoline and heaven only knows how much most of us can use that savings.