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A handful of cards offer monthly statement credits that cover the full cost of a Walmart+ membership. If you subscribe to Walmart+ (or are thinking of switching from Amazon Prime) the Walmart+ statement credits on these cards can go a long way to justifying these cards’ annual fees.
Here are the cards that can get you a credit for your monthly Walmart+ membership.
Cards with a Walmart+ membership statement credit
| Credit card | Walmart+ Credit | Other perks and features |
|---|---|---|
 American Express® Business Gold Card Annual fee: $375 (See Rates and Fees) | Get up to a $12.95 (plus taxes) statement credit each month when you pay for a monthly Walmart+ membership. (Enrollment required.) | Rewards: 4x on your top 2 eligible categories each billing cycle, on up to $150,000 of combined purchases each calendar year (1x thereafter). 3x on flights & prepaid hotels booked on amextravel.com. 1x on other eligible purchases. Benefits: Up to $240 flexible business credit. (Enrollment required.) $155 Walmart+ credit. Trip delay insurance. |
 The Platinum Card® from American Express Annual fee: $695 (See Rates and Fees) | Get up to a $12.95 (plus taxes) statement credit each month when you pay for a monthly Walmart+ membership. (Enrollment required.) | Rewards: 5x on up to $500k per calendar year on flights booked directly with airlines or through Amex travel. 1x other purchases. Benefits: Lounge access. Myriad statement credits. Premium consumer and travel insurance benefits. |
What is the Walmart+ credit?
With the Walmart+ credit on select American Express cards, you can get a statement credit to cover your monthly Walmart+ membership fee.
The Walmart+ credit is marketed as a “$155+ Walmart+ credit” but the credit covers the $12.95 monthly Walmart+ membership fee plus applicable taxes. If you live in a state where you pay sales tax, you’ll get marginally more value from the Walmart+ credit.
Enrollment is required for the Walmart+ credit.
Which card with a Walmart+ credit is better for me?
None of the credit cards offering a Walmart+ credit is worth getting solely for the Walmart+ membership credit. All of the cards offering this perk have annual fees well in excess of the $155 or so you’ll save each year on your Walmart+ membership through statement credits. But if you can get more value than the card’s annual fee, then it could make sense to pick up one of these cards.
Fortunately, these cards offer additional perks and rewards. Here’s how to decide whether it’s worthwhile to pick up a card with a Walmart+ membership credit.
The American Express® Business Gold Card: Easy value if you also use the flexible credit
The American Express® Business Gold Card offers a credit for Walmart+ monthly membership, plus up to $240 in flexible business credits annually. If you can maximize the value of both of these credits, you may get more value than the card’s $375 annual fee.
The flexible business credit and Walmart+ monthly membership credits require enrollment.
The $240 in flexible business credits is awarded as up to $20 in statement credits each month. To get the full value of the credit, you’ll need to enroll and make qualifying U.S. purchases at FedEx, Grubhub, or office supply stores. If you order from Grubhub at least monthly, you’re likely to get close to the full value out of the credit. Purchases of gift cards at office supply stores won’t earn the credit per the terms and conditions of the card.
Beyond the credits, you can get 4 points per dollar in your top 2 categories where you spend the most each billing cycle. Eligible categories include:
- Purchases at US media providers for advertising in select media (online, TV, radio)
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
card_name welcome offer:
bonus_miles_full
(See Rates and Fees)
Click here to learn more and apply.
Our take on the welcome offer: We don’t get terribly excited about the standard offer on the American Express® Business Gold Card offered through affiliate channels, but you might be targeted for a better offer once you get to the Amex website.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
American Express® Business Gold Card at a glance:
Annual fee: $375
Rewards: 4x on your top 2 eligible categories each billing cycle, on up to $150,000 of combined purchases each calendar year (1x thereafter). 3x on flights & prepaid hotels booked on amextravel.com. 1x on other eligible purchases.
Benefits: Up to $240 flexible business credit. (Enrollment required.) Up to $155 Walmart+ credit. (Enrollment required.) Trip delay insurance.
Bottom line: If you can maximize both the Walmart+ credit and the flexible business credit, you’ll about break even on the annual fee. You’ll get more value than the card’s annual fee by using the card in categories where you can earn 4x points per dollar.
The Platinum Card® from American Express: Better for premium travel perks
The Platinum Card® from American Express offers a credit for Walmart+, but you’re going to have to find quite a bit of value elsewhere to justify the $695 annual fee of The Platinum Card®. Here are some ways that the card can pay off:
- $240 digital entertainment credit. You’ll get up to $20 in monthly statement credits when you use your card for purchases of Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, or The Wall Street Journal. Enrollment required.
- $200 Uber cash. Each month, you’ll be awarded $15 in Uber Cash credits which can be used for Uber rides or Uber Eats purchases, plus a bonus $20 in December.
- $200 airline fee credit. Receive up to $200 in statement credits annually for incidental fees charged by the eligible airline you select. Selection of your preferred airline is required prior to purchase.
- Airport lounge access. If you travel frequently, the Amex Platinum will give you access to one of the most comprehensive, including The Centurion Lounge, Escape Lounges, Priority Pass, Delta Sky Club, Lufthansa Lounges and Plaza Premium lounges. Enrollment required for Priority Pass. Some lounges are only available if traveling on a same-day flight operated by select airlines.
The benefits above are only a small selection of the benefits offered on The Platinum Card® from American Express, but they are the ones that we believe are the most useful to most people.
card_name welcome bonus:
Before getting The Platinum Card® from American Express through this link, check out our article on the best current Platinum Card welcome bonus.
bonus_miles_full
(See Rates and Fees)
Click here to learn more and apply.
Our take on the welcome bonus: The welcome bonus you see on this panel is the current public offer available through. However, American Express frequently changes the offer on this card and it is likely better offers are available through other channels. Check out our dedicated Amex Platinum welcome offer article for some tips on where you might find a better bonus.
The Platinum Card® from American Express at a glance:
Annual fee: $695
Rewards: 5x on up to $500k per calendar year on flights booked directly with airlines or through Amex travel. 1x other purchases.
Benefits: Lounge access. Myriad statement credits. Premium consumer and travel insurance benefits.
Bottom line: Unless you’re traveling, you’re unlikely to get enough value from The Platinum Card® to justify its annual fee. But if you travel frequently, the lounge access program can provide huge value and the total value you get from the card’s statement credits and perks can make it well-worth paying $695 a year.
How to use the Walmart+ credit
Once you have a card that offers a Walmart+ credit, getting the credit is simple. All you need to do is change your payment method for you monthly Walmart+ membership to your eligible card. You don’t need to enroll in the benefit with Amex. Amex states that statement credits may take 6-8 weeks to post to your account. In practice, it’s been my experience that you get your Walmart+ credit within a few days of your monthly membership charge.
Keep in mind that only monthly memberships are eligible. You won’t receive statement credits for an annual Walmart+ membership charged to your card. You must subscribe to Walmart+ monthly to receive credits. Additionally, you will only receive credit for a Walmart+ membership. You won’t get a credit for membership “Plus Ups” or a Walmart Business+ membership.
Amex offers: An alternate path to a free Walmart+ membership
American Express also offers a program called Amex Offers. These targeted promotions are offered to individual cardmembers and often feature generous rebates on merchants you’d purchase from anyway.
In the past, Amex has targeted some cardmembers for an Amex offer that would cover a substantial portion of a Walmart+ annual membership. These offers have even popped up on Amex’s no-annual-fee cards. If you don’t have the American Express® Business Gold Card or The Platinum Card® from American Express, check your Amex offers to see if you’ve been targeted for a Walmart+ offer.
Frequently asked questions
Can you get Walmart+ for free?
You can get a rebate for the full cost of Walmart+ by charging your monthly membership fee to an American Express® Business Gold Card or The Platinum Card® from American Express. Walmart also offers limited-time free trials of Walmart+ to some customers.
Which credit card offers Walmart Plus?
Both the American Express® Business Gold Card and The Platinum Card® from American Express offer a Walmart+ statement credit. (Enrollment required.)
Does Amex Gold have Walmart Plus?
The American Express® Gold Card does not offer a statement credit for Walmart+. However, you can get a Walmart+ statement credit with the business version of the card, the American Express® Business Gold Card.
American Express card disclosures
- For rates and fees of The American Express® Business Gold Card, please visit this link: See Rates and Fees
- For rates and fees of The Platinum Card® from American Express, please visit this link: See Rates and Fees
American Express insurance disclosures
Amex Baggage Insurance Plan (standard) benefit disclosure: Baggage Insurance Plan coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare for a Common Carrier Vehicle ticket for the trip (one-way or round-trip) is charged to an eligible Account. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, in excess of coverage provided by the Common Carrier (e.g. plane, train, ship, or bus). For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Baggage Insurance Plan (premium) benefit disclosure: Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Car Rental Loss and Damage Insurance (standard) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Car Rental Loss and Damage Insurance (premium) disclosure: Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
Amex Cell Phone Protection benefit disclosure: Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Extended Warranty benefit disclosure: When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.
Amex Premium Global Assist Hotline disclosure: You can rely on Global Assist Hotline 24 hours a day / 7 days a week for medical, legal, financial, or other select emergency coordination and assistance services while traveling more than 100 miles away from your home. Plus, we may provide emergency medical transportation assistance and related services. Third-party service costs may be your responsibility. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers.
Amex Purchase Protection (standard) benefit disclosure: When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Premium Purchase Protection (premium) benefit disclosure: Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Amex Return Protection benefit disclosure: With Return Protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
Amex Trip Cancellation and Interruption Insurance disclosure: The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Trip Delay Insurance (standard) disclosure: Up to $300 per Covered Trip that is delayed for more than 12 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Amex Trip Delay Insurance (premium) disclosure: Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.