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Costco Executive Membership: How It Pays for Itself for Families Who Shop and Travel

If you travel even a few times a year, you’re probably already spending enough to make the Costco Executive Membership pay for itself, and you just haven’t done the math yet.

When booking trips, Costco Travel is always my first stop for price checking. Rental cars are almost always less expensive booking through Costco Travel, and the thing that catches me off guard is not the deals themselves, it’s how quickly the 2% reward adds up without us changing a single habit. We book trips, rental cars, groceries, and household shopping the way we normally would.

Here’s how it actually works, broken down for people who travel and just function in a family household.

The Basics

The Executive Membership costs $130+tax per year. In return, you earn 2% back on most Costco purchases, including Costco Travel bookings. At the end of the year, Costco sends you a reward check. You can use that check to renew your membership for the following year, which means after Year One, the Costco Executive membership can essentially cover its own cost.

The catch everyone gets stuck on: you need to spend about $6,500 annually to earn that $130 back. That sounds like a lot until you think about what travel actually costs and how regular runs to Costco on a busy Sunday afternoon add up.

Where Costco Travel Earns Its Keep

Vacation packages. This is where the value gets real. Costco bundles flights, hotels, and sometimes rental cars or excursions into packages that are genuinely competitive often less expensive that what you’d piece together on your own. One vacation package can easily run $2,000 to $4,000 for two people. Book one trip like that, and you’re already a third to halfway to the break-even number without trying.

Rental cars. For us, rental cars alone can push the reward faster than expected, especially when weโ€™re stacking road trips, business, and family travel throughout the year.

Cruises. Costco doesn’t always beat all cruise fares, but they frequently include Costco Shop Cards as part of the deal, which adds value on top of the base price. Book, cruise, and when you return you could have up to a couple hundred dollars on a Costco Shop Card sent to you. It’s worth comparing Costco Travel before booking anywhere else.

The Math

The number that matters isnโ€™t really the total $6,500. If you already plan to keep a Costco membership, the Executive upgrade is only $65 more than Gold Star, so the real break-even point is $3,250 in eligible yearly spend. For most traveling families, that can happen faster than you think.

One vacation package, a few rental car bookings across the year, a trip here and there, and regular Costco shopping on top of that, groceries, household supplies, less per gallon on gas (note: gas doesn’t count toward the 2% reward) and youโ€™ve more than likely passed the $3,250 upgrade break-even without even trying.

The reward check shows up. You hand it to the membership desk or to the cashier at checkout, and next year’s membership is covered. You keep shopping and traveling the way you already were.

Honestly, we’ve reached the 2% cash back $130 reward check without booking a single travel trip. And in the years we don’t quite hit the full amount, the reward still covers the majority of the upgrade cost, which makes it worth it either way.

What Else Comes With It

The 2% back is the headline, but the Costco Executive Membership also includes perks that are easy to overlook: discounts on home and auto insurance, Executive Member shopping hours, which I’ve used to dodge the infamous Costco crowds, and access to deals that aren’t available at the standard Gold Star tier. None of these alone justify the upgrade, but stacked on top of the travel value, they round out the picture.

The Honest Take

Costco Travel isn’t going to beat every deal on the internet every time. But it’s consistently competitive, the booking process is simple, there are live customer service representatives if you need assistance, and the 2% back makes it worth checking here first before you book anywhere else. I chase the best possible value on every trip, building a habit of checking Costco Travel as part of my booking routine and letting the reward take care of itself.

You’re already spending the money. You might as well get the membership back for free.

Go. But go correctly.

Investigative Travel, Pacific Northwest

Multnomah Falls in December: Why Rainy Season is the Crowd-Free Version Nobody Talks About

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Base of Multnomah Falls. Photo: Sharonda Shariee

The Lesser Version



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Arizona Travel, Coon Bluff Trail, Exploration Guide, Field Guide, Living, Salt River, Salt River Wild Horses, Things-to-Do, Trails

Salt River Wild Horses: How to See Them Before They’re Gone

Salt River Wild Horse Herd: (Photo credit: Patrick Smith)

HOW IT STARTED

Salt River Wild Horses Scuffling (Photo credit: Patrick Smith)

A NOTE ON THE TRAIL NAME

FINDING THE HERD

The face you make when the Salt River delivers. (Photo Credit: Sharonda Shariee)
Salt River Wild Horses taking a Hydration Break. (Photo credit: Patrick Smith)


UNDERSTANDING THE BANDS

Salt River Wild Horse Band: (Photo credit: Patrick Smith)

WHO IS PROTECTING THE SALT RIVER WILD HORSES

Salt River Wild Horses Grazing: (Photo Credit: Patrick Smith)

WHAT’S COMING FOR THE SALT RIVER WILD HORSES

Salt River Wild Horse Foal: (Photo Credit: Patrick Smith)

WHAT I LEFT WITH

Salt River Wild Horse: (Photo Credit Patrick Smith)
Salt River Wild Horses Grazing in the Open: (Photo Credit Patrick Smith)

Arizona, Arizona Travel, Exploration Guide, Field Guide, Living, Things-to-Do

Butcher Jones Trail Guide: What 11,000 Hikers Reveal About Saguaro Lake | Tonto National Forest

Part of the Paths & Patterns Series

Arrived at Saguaro Canyon at 10 AM and the first thing you notice isn’t the trailheadโ€”it’s the parking lot choreography. Vehicles circling like vultures, waiting for hikers to pack up and leave, drivers nudging into spaces as quickly as possible. We circled once before surrendering to the overflow lot we’d initially passed on the way in. Immediate evidence this trail is loved hard.

Butcher Jones Trail Parking Lot

I almost died once on a hike up South Mountain’s Holbert Trail. My sister insists I was nowhere near death, but when you’re gasping for air halfway up a 1,000-foot elevation gain with no clear sense of how you’ll make it back down, semantics don’t matter much. That was my last time hiking Holbert Trail.

Recently, I wanted to investigate Butcher Jones Trail in the Tonto National Forest. Both trails are rated moderate by AllTrails.com. The key difference? Butcher Jones has a much more forgiving elevation gain at 638 feet compared to Holbert’s punishing 1,000. But what really drew me here was the numbers: 4.7 stars from approximately 11,000 hikers. When a trail gets that much traffic and maintains that rating, I want to know howโ€”and at what cost to the ecosystem.

Starting the investigation with a full water pack, camera. and curiosity

THE DAM THAT CREATED SAGUARO LAKE

Butcher Jones is nestled just about an hour east of the greater Phoenix area, but the area I was about to explore didn’t exist a 100 years ago, at least not in this form. Saguaro Lake was formed by the Stewart Mountain Dam on the Salt River, built between 1928 and 1930. Once a free-flowing desert river became a reservoir serving as storage for irrigation, municipal use, and hydropower.

A Saguaro Lake Guest Ranch was built in 1927 during the construction of Stewart Mountain Dam to host workers during the build. Around 1930, once the dam was complete, a couple from Kansas purchased the land to be turned into a public use area. The transition from industrial construction site to recreation destination was complete. Fishermen came first, then hikers, thenโ€ฆ the Instagram and TikTok generation with their 11,000 AllTrails reviews.

Saguaro Lake at Tonto National Forest

This trail wasn’t built for scenic overlooks or social media sunsets. It was constructed for one functional purpose: giving fishermen access to the lake. But somewhere between then and now, it became one of Tonto National Forest’s most-visited sites. The land has been responding ever since.

The wildlife and Saguaro Lake remain open to the public for fishing and hiking with an Arizona Fishing Permit from Arizona Game & Fish and/or a Tonto Forest Parking Pass.


FIRST SIGNS OF STRAIN

We fitted our water packs on our backsโ€”pre-filled with chilled water bladders, protein bars, grapes, and hand sanitizerโ€”and made our way through the bare recreational area near the lake. I took in the serene Saguaro Lake, then looked down at the ground beneath my feet: bare earth where grass once grew. This area hosts picnics, volleyball games, and serves as the launch point for fishermen entering the lake with their kayaks. The soil was packed hard, compacted by thousands of footsteps, coolers, and kayak launches.

Recreation Area at Saguaro Lake

A couple passing offered the advice of figuring out something else because: “The bathrooms are in dire need of attention.” Another small indicator of infrastructure struggling to keep pace with popularity.

TIP: Find the nearest restroom closest to Butcher Jones Trail before making the final trek into the Tonto National Forest.

THE TRAIL TELLS ITS STORY

Immediately upon entry onto the trail, I noticed evidence of reroutingโ€”new pathways carved to guide hikers away from eroded sections. Trail rerouting is one of the clearest signs that Butcher Jones has endured significant erosion over the years. The original path, worn down by boots and weather.

Further along, I spotted wooden posts wrapped in barbed wireโ€”signs of an older redirect attempt. The posts stood weathered and half-buried, marking what was likely a previous effort to keep hikers on a designated path. Over time, even redirected trails can fail. Erosion doesn’t stop just because you move the route; it follows the foot traffic. These posts were evidence that this trail has been fighting the same battle for decades: how to guide thousands of hikers without letting the land wear away beneath them.

Butcher Jones Trail Posts and Wire Rerouting

As the trail descended, it became very rockyโ€”loose stones shifting underfoot, requiring careful placement of each step. But eventually it smoothed out as we headed back toward the ascent. I paused to witness Saguaro Lake from the opposite direction: beautiful and serene despite the busy day of traffic on the trail. The contrast was strikingโ€”nature’s quiet whisper alongside human activity.

Butcher Jones Trail

There was chatter from the group behind me that they hadn’t seen the trail as busy as it was that day. Halfway through the trail, I made the decision not to attempt the full ascent. My body has changed since my breast cancer journey (more on that here), and I’m still learning what it can handle now. In a way, I’m adapting to new limits just like the Butcher Jones Trail isโ€”both of us responding to forces that reshaped us, finding new ways to function despite the wear.

Saguaro Lake on the Back Side of Butcher Jones Trail

In Arizona, this kind of self-awareness isn’t weaknessโ€”it’s survival. The Phoenix-area trails see hundreds of rescue calls every year. Knowing when to turn back can be the difference between a good story and a cautionary tale.

WHERE DID THE WILDLIFE GO?

As we made our way back, I began to wonder why I’d seen no creatures besides ducks paddling quietly in the lake. I imagined even the smallest insect would land nearby for me to observe and capture. Nothing.

Ducks on Saguaro Lake near Butcher Jones Trail

But thenโ€”a splash of color. Vibrant yellow flowers clustered along the trail’s edge, the only bright color in a brown and green desert palette. They seemed unbothered by the foot traffic, thriving in spaces where wildlife had retreated. Apparently, the animals had learned to avoid us, these wildflowers held their ground, blooming despite of.

Desert Marigolds at Butcher Jones Trail

I’m left wondering if the wildlife in the area have learned to yield to pedestriansโ€”retreating during peak human hours, laying low so-to-speak, before returning to their routines when foot traffic diminishes. Desert animals are adaptive by necessity. Perhaps they’ve simply adjusted their schedules around ours.

It’s a pattern I’ve noticed before: in my whale watching investigation here, I witnessed how Navy sonar disrupted migration routes, turning whales back north when they should have been heading south. Here, on Butcher Jones, the disruption is quieter but just as real. We don’t use sonar, but our presenceโ€”our volume, our numbers, our footprintsโ€”shapes behavior just the same.

TIP: To keep the trail clean for future hikers and wildlife in the area, be sure to pack out all trash. What you leave behind doesn’t just affect the next human visitorโ€”it affects the creatures trying to reclaim their space when we’re gone.


FINAL THOUGHTS: WHAT I CAME HERE TO NOTICE

What I intended to investigate:
How a trail rated 4.7 stars by 11,000 hikers holds up under that much loveโ€”and what it costs the ecosystem.

What I didn’t expect to see:
Bare ground where grass once grew, visible before I even reached the trailhead. The pressure doesn’t start on the trail itself. It starts in the parking lot, in the recreational area, in the small infrastructure struggles that signal a place stretched beyond its original design.

What I’m still wondering:
At what point does popularity kill the thing we came to see? Butcher Jones was built for fishermen in an era when a few hundred people might visit in a season. Now it hosts thousands. The trail has been rerouted. The grass is gone. The wildlife seems absent. The bathrooms are failing miserably.

And yetโ€”it endures. The lake still reflects the canyon walls. The trail, though eroded in places, still guides us to views that take our breath away. There’s resilience here.

How I’m part of this:
I circled that parking lot. I added my footprints to the widened trail sections. I’m investigating this story while contributing to it, one more hiker among 11,000, one more person testing the boundaries of what a place can withstand. That tension matters.


Butcher Jones Trail Stats:

Distance: 4.8 miles out and back

  • Elevation Gain: 638 feet
  • Difficulty: Moderate
  • AllTrails Rating: 4.7 stars (approx. 11,000 reviews)
  • Location: Tonto National Forest, approximately 1 hour east of Phoenix
  • Permits Required: Tonto Forest Parking Pass and/or Arizona Fishing Permit (if fishing)

This is part of my Paths & Patterns seriesโ€”where I investigate how places and the people who love them shape each other. The goal isn’t to deter exploration. Explore with intention and attention, recognizing we’re all part of the story. The places we explore need us to see them, love them, and show up with curiosity and awareness.


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