There is a comparison between the Liberty and Urbano at
That guy says the frames are identical, but that Liberte has a few upgrades. He said he found the saddle on the Liberte uncomfortable, so he replaced it with one he had lying around. He preferred the wider tires of the Urbano. Of course you cou,led replace the tires. For example, thorusa.com sells the 2” wide Schwalbe Big Apples for $32 each plus shipping, so $74 total.
Had I known about the Costco deal a year ago, I might have purchased one. Instead I purchased a downtube.com Nova. It has a Microshift drivetrain with a trigger shifter, while the Zizzo bikes have a Shimano Altus. I had a 2013 Dahon Speed D7 and the grip shifter went bad after about a year. I replaced it with a trigger shifter, which I prefer. I like the fact that the Zizzo has the magnet to hold the wheels together when it is folded, something Downtube bikes don’t have.