With grocery and gas prices soaring, I’ve been taking a closer look at the big three: Costco, Sam’s Club, and BJ’s. Costco may be the giant—with over 150 million members and a reputation for top-tier quality—but size doesn’t always mean savings.

Sam’s Club often comes in with lower overall prices on groceries and everyday staples, and memberships can run as low as $29 a year. BJ’s may be smaller and less crowded, plus they’re known for especially good cruise deals.

Bottom line? The best club depends on what you value most—quality, price, or elbow room in the checkout line.