If pictures were shown, it’ll clear the confusion. I buy food, products regardless if I have Costco membership($120) or not. That 1-4% from Costco pays for itself. Ytd, $661. I’ll be collecting $480 end of Feb and accumulation of another $181 as of now but by my renewal month, likely another $300-450, twice yearly like clockwork. Best understood is exactly like rewards from credit cards but at Costco.