Walmart Card vs Walmart Plus: Which One Saves You More Money?

If you’re a regular Walmart shopper in 2025, you’ve likely considered signing up for either the Walmart Credit Card 💳 or Walmart Plus. But which one offers better value for your money?

In this detailed guide, we’ll break down both options based on real savings potential, convenience, perks, and long-term benefits. Whether you’re shopping online or in-store, your decision could impact your yearly budget.

We’ll cover:

✅ What each option includes
💵 Fees and costs
💰 How rewards or benefits add up
🔄 Use cases: when to use the card, when to go with the membership
👥 What current users say
📊 Side-by-side comparison chart

Let’s find out which one deserves a place in your wallet or your subscription list.

🧾 What Is the Walmart Card?

The Walmart Card is a co-branded credit card offered through Capital One, available in two versions:

Walmart Store Card — Use only at Walmart and Walmart.com
Walmart Capital One Mastercard — Use anywhere Mastercard is accepted

Key Walmart Card Features:

5% back on Walmart.com purchases (including pickup and delivery)
2% back in Walmart stores, restaurants, and travel
1% back on all other purchases (Mastercard only)
Intro offer: 5% back in Walmart stores via Walmart Pay (first 12 months)
No annual fee

📦 What Is Walmart Plus?

Walmart Plus (Walmart+) is a paid membership service designed to offer convenience and savings, especially for online and frequent grocery shoppers.

Walmart Plus Includes:

Free same-day grocery delivery from your local Walmart
Free shipping on Walmart.com with no order minimum
Mobile scan & go in stores for faster checkout
Discounts on fuel at Walmart and Murphy USA gas stations
Paramount+ streaming included (as of 2025)
Cost: $12.95/month or $98/year

💰 Cost Breakdown

Feature	Walmart Card	Walmart Plus
Annual Fee	$0	$98/year or $12.95/month
Interest Rate	19.99%–26.99% APR	N/A
Late Payment Fee	Up to $40	N/A
Delivery Perks	Limited	✅ Included
Cashback	✅ Up to 5%	❌ None

📈 Potential Yearly Savings

Walmart Card:

Online orders ($300/mo): 5% = $180/year
In-store spending ($200/mo): 2% = $48/year
Dining/travel ($100/mo): 2% = $24/year Total cashback: ~$252/year (if paid in full to avoid interest)

Walmart Plus:

Grocery delivery savings ($10/trip x 4 trips/mo) = $480/year
Shipping savings ($6/order x 3 orders/mo) = $216/year
Fuel discounts ($0.10/gal x 10 gal x 4 weeks x 12 mo) = $48/year Total estimated savings: ~$744/year

🔍 When to Use Walmart Card

You should use the Walmart Card if:

You shop mostly online at Walmart.com
You want to build or improve your credit
You pay your balance in full monthly to avoid interest
You don’t need grocery delivery services

🚚 When to Choose Walmart Plus

You should subscribe to Walmart Plus if:

You buy groceries weekly from Walmart
You prefer delivery over in-store shopping
You frequently order household essentials online
You want streaming and fuel discounts bundled in

💡 Can You Use Both?

Absolutely! In fact, using both can maximize your benefits:

Pay for your Walmart+ membership using the Walmart Mastercard to earn 1% back
Shop online using the Walmart Card to earn 5%
Enjoy free grocery delivery through Walmart+

Used together wisely, these tools can work in your favor—especially if you’re part of a large household.

🧑‍🤝‍🧑 Real User Reviews

“Walmart+ pays for itself in 2 months of grocery delivery. Total lifesaver!” — Jessica B.

“I like the cashback on my Walmart Card, but I only use it online. In-store rewards are low.” — Marcus R.

“I use both. Card for purchases, Plus for groceries. Perfect combo for families.” — Nina K.

📊 Walmart Card vs Walmart Plus: Summary Table

Feature	Walmart Card	Walmart Plus
Cashback	✅ Up to 5%	❌ No cashback
Free Delivery	❌	✅ Yes
Streaming Perks	❌	✅ Paramount+ included
Fuel Discounts	❌	✅ Yes
Cost	$0	$98/year
Credit Building	✅ Yes	❌ Not applicable
Ideal For	Online spenders	Grocery-heavy households

🧠 Expert Tips

Always pay your Walmart Card balance in full to avoid interest eating into rewards.
If you order groceries online 2–3 times per month, Walmart+ likely pays off.
Combine both for max benefit if your spending habits span both in-store and online.
Check for Walmart+ free trials or discounted yearly plans around Black Friday.

❓ FAQ: Walmart Card vs Walmart Plus

Q1: Can I use the Walmart Card to pay for Walmart+?

A: Yes, and you’ll earn 1% cashback if you’re using the Mastercard version.

Q2: Is Walmart+ worth it if I don’t order groceries?

A: Possibly—not just for groceries, but also for free shipping and fuel discounts.

Q3: Do I need a Walmart Card to use Walmart Plus?

A: No, they’re entirely separate programs.

Q4: Will Walmart+ affect my credit score?

A: No, Walmart+ is a subscription, not a credit account.

Q5: What if I cancel Walmart+ early?

A: You can cancel anytime. If you paid annually, you may get a prorated refund depending on the policy.

Q6: Can I apply for the Walmart Card with fair credit?

A: Yes, but you’re more likely to be approved with a score of 640+.

🏁 Final Verdict: Which One Is Better?

💳 Go with the Walmart Card if you want to earn cashback and pay your balances in full monthly.
📦 Choose Walmart Plus if you value time-saving grocery delivery and bundled perks like streaming and fuel discounts.
🧠 Best strategy: Use both together to save the most, especially if you’re a frequent Walmart customer both online and in-store.

Whichever you choose, the goal is the same—spend smarter and save more in 2025.