08/14/2026
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How to Stretch Your Food Stamp Dollars at Costco (Puna Costco Co-op)
Costco accepts EBT/SNAP for eligible groceries — fruits, veggies, meat, dairy, bread, f1rozen food, snacks, and more. Membership is required. The lowest-tier Gold Star membership is $65 per year (plus tax where applicable). The membership fee itself cannot be paid with EBT.
On Hawaii Island, Instacart is available but does not deliver perishable or frozen items from Costco. The only practical option for cold and frozen groceries is shopping in person at the Kailua-Kona Costco.
Important Costco rules:
• A member can bring up to two adult guests. Guests can walk the aisles and put items in the cart.
• Only the member is allowed to complete the purchase at checkout. A non-member guest cannot simply pay with their own card (including EBT) while using the member’s membership card.
• Costco Shop Cards (gift cards) can be used by non-members. Only members can buy them. Minimum purchase is usually $25.
How the Puna Costco Co-op works around the restrictions:
1. Authorized Representative (cleanest legal route)
Client designates the co-op shopper as an authorized representative through Hawaii DHS. The member can then use the client’s EBT card at the register.
2. Ride-along with Shop Card option
Client rides along as a guest ($40 ride-along fee applies).
A Costco Shop Card (minimum around $25–$40) is used so the non-member can make a purchase.
Options:
• Client buys something from the driver’s list with the Shop Card, or
• Client buys a small item (like toilet paper) with the Shop Card and pays for the rest of their groceries with EBT.
This creates a valid transaction path for the non-member.
3. Client gets their own membership
Gold Star is $65/year. Then they can shop and pay with EBT themselves.
Other rules that matter:
• Only the cardholder (or a properly authorized representative) can use the EBT card.
• Non-food items and hot foods must be paid separately.
• Never take or use someone’s EBT card without official authorization — that is fraud.
Result: bulk Costco prices + reliable cold-chain delivery of frozen/cold items = more food for the same SNAP dollars.
Contact the Puna Costco Co-op for details on how to set up authorized-representative status, use the Shop Card option, or join a run.