Verified — updated August 2026
Rivian + Costco Auto Program: how to save up to $5,000
Rivian joined the Costco Auto Program in February 2026. Members save between $1,000 and $5,000 off MSRP on the R1T and R1S. With the federal EV credit gone and Colorado's state credit priced out of reach for the R1S, this is now the largest incentive most Rivian buyers can actually claim. Here is exactly how to get it.
The referral code is a separate program from Costco. Both can be applied to the same order.
What changed in February 2026
For years, Rivian sat outside the Costco Auto Program, which was a persistent source of confusion for buyers. Costco's program works through dealer networks, and Rivian sells direct. That changed in February 2026, when Rivian officially joined. Members now have access to member-only pricing on the R1T and R1S, with savings reported between $1,000 and $5,000 depending on configuration and active promotions.
Standard Gold Star membership qualifies. Executive membership is not required, though some buyers report higher savings on Executive plans for certain configurations.
How to claim your Rivian Costco discount
The Costco discount is not applied through Rivian's online configurator. You must go through Costco Auto Program to access it. Here is the exact sequence.
Confirm active Costco membership
Both Gold Star and Executive memberships qualify. If you do not have a membership, sign up at costco.com. The annual fee is recouped many times over by the Rivian discount alone.
Visit costcoauto.com and search "Rivian"
Go directly to the Costco Auto Program site, not Rivian’s site. Search for Rivian to see the R1T and R1S listings with member-only pricing indicators.
Submit an inquiry with your Costco member number
You will be asked for your Costco member number to access pricing. Alternatively, call Costco Auto Program at 1-800-755-2519 and mention Rivian.
Get connected with a Rivian-approved representative
Costco routes you to a Rivian-authorized representative, typically at a Rivian Service Center or hub. Because Rivian does not use traditional dealers, this is your single point of contact for the order.
Configure your Rivian with the rep — and provide referral code RICK4348389
Build your R1T, R1S, or R2 with the Rivian rep. At this stage, also provide the referral code RICK4348389. The referral program is operated separately from the Costco discount, and the two stack on the same order. One note if you're ordering an R2: as of Rivian's current program terms, only R1T and R1S orders currently earn referral points — there's no downside to providing the code on an R2 order, but don't expect it to pay out until the program expands.
Verify the Costco discount is itemized on your order summary
Before finalizing anything, confirm the Costco discount appears as a line item on your order summary. The amount should reflect the configuration-specific savings, typically $1,000 to $5,000. Do not sign delivery paperwork until this is confirmed in writing.
Complete the order through the approved representative
Finalize your order through the Rivian rep, not the public configurator. The Costco discount is applied at point of sale. Your referral Rewards points and free charging activate after delivery.
What actually stacks in 2026
The Costco discount is one program in a stack, and that stack got considerably thinner over the past year. Here is what is genuinely available to an R1T or R1S buyer right now.
| Savings program | Value | Status |
|---|---|---|
| Costco Auto Program | $1,000 – $5,000 off MSRP | Available |
| Referral code (RICK4348389) | $100 – $500 in Rewards points, by configuration (R1S/R1T only) + 3 months Adventure Network charging | Stacks |
| Auto loan interest deduction | Up to $10,000/yr of interest deductible; financed purchases only, phases out above $100K single / $200K joint MAGI | Stacks |
| Colorado state EV tax credit | $750 — but only for vehicles at or below $80,000 MSRP, which excludes every R1S | Conditional |
| Federal Clean Vehicle Credit ($7,500) | $0 | Expired Sept 30, 2025 |
| Federal home charger credit (30C) | $0 | Expired June 30, 2026 |
Rivian offers — verified August 31, 2026
- $3,000 lease contribution on new 2026 R1T and R1S Tri Max leases, for approved lease offers obtained between August 12 and August 31, 2026 with delivery taken by September 30, 2026.
- 1.99% APR on eligible new 2026 R1 Tri Max purchases ordered through R1 Shop in the same window.
Rivian changes these monthly and sometimes more often. Always confirm current offers on rivian.com before ordering. Note that a promotional low APR produces little interest, and therefore little or no auto loan interest deduction.
Verify the stack in writing.Rivian's published Rewards Program terms state that rewards may not be combined with other offers. In practice the Costco discount and the referral code have been confirmed stackable on the same order, but get it confirmed by your rep before you sign anything.
What this looks like on a real order
Example — individual results vary
2027 R1S Premium, purchased in Colorado
Excludes destination charge, taxes, title, and registration. Referral points depend on motor and battery configuration.
On a 2027 R1S Premium, the Costco discount does essentially all the work. The federal credit is gone, and the R1S sits $3,990 above Colorado's $80,000 MSRP ceiling, so the state credit contributes nothing. That is a change from 2025, when the same buyer could have stacked $7,500 federal and $3,500 state on top.
Buying an R1T instead? The Premium qualifies for the $750 Colorado credit at its $79,990 base price, but adding the Sound and Vision package, the Power Upgrade, or the Max battery pushes MSRP over the cap and costs you the whole credit. See the Colorado eligibility table.
Rick
R1S Dual-Motor owner • Morrison, Colorado
I navigated the Rivian and Costco process for my own R1S order. Most savings guides online are written by affiliate sites that have never bought a Rivian. This walkthrough is the process I would send a friend.
Frequently asked questions
Is Rivian really part of the Costco Auto Program?
Yes. Rivian officially joined the Costco Auto Program in February 2026, making it one of the few direct-to-consumer EV brands available through the program. Both R1T and R1S are eligible. R2 began customer deliveries in June 2026 and is expected to be added to the program.
How much can I save through the Costco Auto Program?
Savings range from approximately $1,000 to $5,000 off MSRP depending on the model, trim, and active Costco promotion at time of order. Larger discounts tend to appear on higher-trim configurations. With the federal EV credit gone and the Colorado state credit capped out of reach for the R1S, the Costco discount is now the single largest incentive available to most Rivian buyers.
Do I need a Costco Executive membership to qualify?
No. Standard Gold Star membership qualifies you for the Rivian Auto Program discount. Executive membership has been reported to yield a slightly higher base incentive on some configurations, but the Rivian-specific savings are similar. If you are already a member, your existing tier works.
How do I actually claim the Costco discount?
The Costco discount is not applied through Rivian’s online configurator. Visit costcoauto.com, search for Rivian, and submit an inquiry with your Costco member number, or call 1-800-755-2519 and mention Rivian. Costco routes you to a Rivian-authorized representative who completes the order through their internal system. The discount appears as an itemized line on your final order summary.
Can I stack the Costco discount with a referral code?
Yes. The Rivian Rewards referral program is operated separately from the Costco Auto Program, and the two have been confirmed stackable on the same order. When you configure your Rivian with the rep, provide referral code RICK4348389 at the same time the Costco discount is applied. Rivian’s Rewards terms include language that rewards may not be combined with other offers, but Costco stacking has been confirmed in practice. Verify in writing with your rep before signing.
Does the Costco discount stack with the Colorado state EV credit?
They are separate programs and do stack in principle, but most Rivian buyers cannot claim the Colorado credit at all. Colorado disallows its $750 Innovative Motor Vehicle Credit for any vehicle with an MSRP above $80,000, which excludes every R1S trim. The R1T Premium qualifies at its $79,990 base price only, and any factory option pushes it over. The R2 qualifies. The Costco discount has no price cap.
Can I use the Costco discount on the Rivian R2?
R2 customer deliveries began June 9, 2026, starting with the Performance Launch Package at $57,990. Costco has signaled that R2 will be included in the Auto Program, but specific discount amounts may not be finalized yet. Confirm with the Rivian rep at time of order.
Does the Costco discount apply to leases?
Typically yes. Costco Auto Program discounts usually apply to both financing and leasing, but lease terms can be more complex. The discount may be applied as a capitalized cost reduction or as a separate cash incentive. One thing to weigh: leases do not qualify for the federal auto loan interest deduction, which is the only remaining federal tax benefit for vehicle buyers. Confirm the structure with your rep before signing.
Can I configure my Rivian online first and then apply Costco?
Yes, and this is the recommended workflow. Use Rivian’s online configurator to build your preferred R1T or R1S, note the exact configuration, then route the order through Costco Auto Program. The Rivian rep will rebuild your configuration in their system and apply the Costco discount. Online deposits placed without going through Costco first cannot retroactively receive the discount.
What if I am already in contact with a Rivian advisor?
You can still claim the Costco discount, but the order must be routed through the Costco Auto Program path. Tell your existing advisor you want to use the Costco Auto Program. They will either transfer the order to a Costco-authorized rep or coordinate internally to apply the discount. Do not finalize the order through the standard path expecting the Costco discount to be added later, because it will not be.
Are there any vehicles or states where the Costco discount does not apply?
The Costco Auto Program is currently available in all 50 U.S. states through Rivian. Separately, Rivian’s Rewards referral program is not available to residents of Ohio or Virginia for regulatory reasons, and referrer rewards are capped in California. The Costco discount itself has no known state exclusions for Rivian, but verify with your rep if you live in a state with direct-sale EV restrictions.
Ready to start your Rivian + Costco order?
Configure your Rivian to get the build details first, then route the order through Costco Auto Program. Use code RICK4348389 to stack the referral rewards on top.
The referral code is a separate program from Costco. Both can be applied to the same order.