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Walmart+ vs. Amazon Prime: Which one is right for you?

The two membership programs often get compared but serve different kinds of customers

Summary

If you’re not sure which membership is right for you, compare the benefits that they offer and decide which are more important to you.

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Shopping has been becoming an increasingly digital experience for many people, with Amazon leading the way to make most everyday shopping possible to do online.

This is especially apparent now that the holiday season is approaching, and the majority of Americans are planning to do their seasonal shopping from home, according to a recent CreditCards.com poll.

One other major retailer is going an extra mile to offer a convenient online shopping experience – Walmart.

In September, Walmart launched Walmart+, a membership program similar to Amazon Prime. While both subscriptions offer free same-day shipping on eligible orders, their similarities end there.

Read on to learn how these two programs are different and how to choose which one works best for you.

Walmart+ vs. Amazon Prime at a glance

Benefits and feesAmazon PrimeWalmart+
Free shipping
  • Free one- and two-day delivery on eligible items
  • Free same-day delivery on orders of $35 or more
  • Free grocery delivery within two hours in select cities when the minimum order amount is met
Free same-day delivery on orders of $35 or more in eligible areas
Streaming and content benefitsNone
In-store benefits
  • Weekly deals at Whole Foods Market
  • Extra 10% on storewide sales at Whole Foods Market
  • Amazon.com prices on all products at Amazon Books and Amazon 4-Star stores
Scan & Go contact-free shopping
Other benefitsDiscounts up to 5 cents off a gallon at nearly 2,000 Walmart, Murphy gas stations
Free trial30 days15 days
Membership fee$119 per year or $12.99 a month (discounts available to students and EBT and Medicaid card holders)$98 per year or $12.95 per month

As you can see, while both Amazon Prime and Walmart+ offer a convenient solution for fast shipping, these are two very different memberships.

With Walmart+, you get several ways to enhance your Walmart shopping: free fast delivery on more than 160,000 items, fuel discounts and a way to avoid checkout lines with Scan & Go – a Walmart app feature that allows you to scan items as you shop in the store and check out using Walmart Pay.

With Amazon Prime, you can also get your order within a day for free, but the membership offers much more than that. You get access to video, gaming and music subscriptions, e-books and magazines and several other perks.

Prime covers multiple consumer needs with one membership. But its annual cost is also quite high – and $21 higher than that of Walmart+ (although the monthly fee is about the same).

See related: Is Amazon Prime worth it?

So how do you choose which membership is right for you? This depends on which benefits are important to you.

When you should choose Walmart+

Walmart+ can be an excellent choice for frequent Walmart shoppers who’d like the added convenience of free and fast delivery. The program advertises delivery as early as the same day and one-hour delivery windows.

If you prefer to have your groceries delivered – as many do in the pandemic – and want to avoid a per-delivery fee, Walmart+ can be a great option for you. Plus, the retailer is known for its low grocery prices, which can’t be said about Whole Foods Market.

As far as other benefits go, Walmart doesn’t have much to offer besides fuel discounts and Scan & Go. However, the program is still new, and the retailer will likely add more perks in the future.

Credit cards to pair with your Walmart+ membership

If saving on groceries is your priority, you can save even more shopping at Walmart with the Capital One® Walmart Rewards Mastercard*, which offers 5% cash back on Walmart.com purchases, including grocery pickup and delivery orders. The card also earns 2% cash back on in-store Walmart purchases, 2% cash back on restaurant and travel purchases, 2% cash back on the purchase of gift cards at Walmart (online, app, Walmart Pay or in stores) and 1% cash back on all other purchases.

There have also been talks about more Walmart+ co-branded credit cards launching in the near future, which might offer even a better deal to members.

A couple of other cards to look into are Chase Freedom Flex℠ and Discover it® Cash Back.

The Freedom Flex is offering 5% cash back on Walmart and PayPal purchases in Q4 2020 (up to $1,500 in combined purchases, then 1%) after activation. Besides that, the card earns 5% cash back on travel booked through the Chase Ultimate Rewards portal, 3% on dining and drugstore purchases and 1% on everything else.

The Discover it Cash Back is an amazing card to have in Q4 if you’re planning to shop online a lot: It earns 5% back for Amazon.com, Target.com and Walmart.com purchases (up to $1,500 in combined purchases, then 1%), after activation – which also makes it a good choice if you have Amazon Prime.

When you should choose Amazon Prime

Like Walmart+, Amazon Prime offers free same-day grocery delivery, if you meet the minimum spend (which is also often around $35). However, Prime also provides you with many other options for free and quick shipping on millions of items with no purchase minimum.

And the membership offers much more than that.

You can get access to a large Prime Video catalog and enjoy movies and TV shows, including Prime originals, some of which have become quite popular. You can listen to music for free with Prime Music. You can borrow books and magazines for your e-reader or app with Prime Reading and get a free new book download each month with Amazon First Reads. You can even try on some clothes on the site before buying them with Prime Wardrobe or use Personal Shopper to have a stylist pick outfits for you at $4.99 a month.

See related: Best credit cards for streaming services

Not to mention, you can take advantage of countless deals on Prime Day – a sales event for Prime members and one of the biggest shopping events of the year.

Prime comes with so many features and deals, it can easily make your head spin. There are currently over 20 perks included with the membership, and Amazon never stops evolving.

Still, the price of membership is rather high, especially if you’re not much of an online shopper or not interested in adding more content subscriptions to your list.

Credit cards to pair with your Prime membership

If you’re a Prime member, the Amazon Prime Visa Signature card* can help you maximize your membership’s value. It offers 5% back on Amazon.com and Whole Foods purchases, 2% back on restaurant, gas station and drugstore purchases and 1% back on other purchases, making it the best choice for Prime enthusiasts.

Alternatively, you can look into the Amazon Store card, which also offers 5% cash back on Amazon but can’t be used outside of Amazon purchases. As a retail credit card, it can be an option to consider if you have a less-than-perfect credit score.

Additionally, the Discover it Cash Back that we’ve already mentioned is an excellent choice to use on Amazon in the fourth quarter of 2020 – just in time for Prime Day.

See related: Best credit cards for Amazon Prime Day

Bottom line

Walmart+ and Amazon Prime may be competitors, but they serve two different kinds of shoppers. The former may be a great choice for those who want groceries delivered regularly and appreciate low-cost options. The latter is for frequent Amazon shoppers who know they’ll make the most of the many benefits that come with the membership.

If you’re not sure which membership to pick, don’t hesitate to take advantage of a free trial before you commit. Walmart+ gives you 15 days to see whether its membership fits your spending habits, and with Amazon Prime you’ll have 30 days to make a decision.

*All information about the Capital One Walmart Rewards Mastercard and the Amazon Prime Visa Signature Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. These cards are no longer available through CreditCards.com.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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Credit Card Rate Report Updated: October 21st, 2020
Business
13.91%
Airline
15.50%
Cash Back
15.85%
Reward
15.75%
Student
16.12%

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