Re: Bj's or Costco????
We don't have a BJ's, but I can share what I have observed about Costco.
Costco is cheap as heck on bulk raw ingredients--think flour, brown sugar, yeast, shredded coconut, choco chips, etc. Their processed food is so overpriced it's crazy. Usually cheaper per ounce than the same items at a grocery store, but still way out of my budget. I have 7 children, so one of those huge lasagnas is barely a meal :-) We stick to the flour etc. because I make our food from scratch, so the card is worth it for us.
They have great deals on clothing and toys, too.
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