Walmart+ Is Half Off Right Now: How to Get It for $49 (or Free With These Credit Cards)

Credit Cards That Give You Walmart+ for Free (or Nearly Free)

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Why pay $49 when you can get Walmart+ as a credit card perk? Here are the best cards offering this benefit:

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1. American Express Platinum Card® - Premium Option

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The $895 annual fee (See Rates & Fees) is offset by well over $2,000 in statement credits, meaning the card actually pays you $1,100+ to hold it if you use the benefits.

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Annual Statement Credits (Use Just 4 = Fee Covered)

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• Up to $600 Hotel Credit - $300 semi-annually for Fine Hotels + Resorts or Hotel Collection bookings

• Up to $400 Resy Credit - $100 quarterly for U.S. Resy restaurants + Platinum Nights by Resy access

• Up to $320 Uber Benefits - $200 Uber Cash ($15 monthly + $20 December bonus) + $120 Uber One Credit

• Up to $300 lululemon Credit - $75 quarterly at U.S. stores and online

• Up to $300 Digital Entertainment - $25 monthly for streaming services

• Up to $209 CLEAR Plus Credit - Airport security fast-track

• Up to $200 Airline Fee Credit - Incidental fees with selected airline

• Up to $155 Walmart+ Credit - Annual membership reimbursement

• Up to $100 Saks Credit - $50 semi-annually

• Up to $200 Oura Credit - $200 annually

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Who should apply? Frequent travelers who'll use the lounge access and myriad credits. The Walmart+ perk is just a nice bonus on top of all the other benefits and perks. 

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.}

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2. Navy Federal More Rewards American Express® - Hidden Gem for New Cardholders

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The information for the Navy Federal More Rewards American Express® has been collected independently by Kudos. The card details on this page have not been reviewed or provided by the card issuer.

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Key Benefits:

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• $98 statement credit for Walmart+ membership (even if you only paid $49 with this promo)

• 3x points on dining, gas, and transit

• 1x points on everything else

• No annual fee for first year, then $49

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Navy Federal currently offers a $98 statement credit when you charge your Walmart+ membership to this card, even if you only paid $49 during this promotion. That means you'd actually make $49 signing up for Walmart+.

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• Requirements: Must be eligible for Navy Federal Credit Union membership (military members, veterans, or immediate family members).

• Who should apply? If you're eligible for Navy Federal membership and opened this card within the past 12 months, this is essentially free money plus a free Walmart+ membership.

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.}

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3. American Express® Business Gold Card - Best for Business Owners

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Key Benefits:

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• Free Walmart+ membership included

• 4x Membership Rewards points on the two select categories where your business spent the most each month (up to $150,000 in combined purchases per year)

• Categories include: U.S. advertising, shipping, gas stations, restaurants, and more

• $375 annual fee (See Rates & Fees)

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ROI Calculation: If you run a small business and spend heavily in bonus categories:

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• Walmart+ membership: $98

• Spend $3,000/month in top categories: 144,000 points/year (worth ~$1,440 in travel)

• Total value: $1,538 in benefits against the $375 fee

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^{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.}

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4. American Express® Gold Card - Great for Foodies

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Some American Express Gold cardholders are seeing Amex Offers for Walmart+ at the discounted rate, making it effectively the same $49 price while earning Membership Rewards points.

Key Benefits:

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• 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per year, then 1x

• 4x Membership Rewards® points on groceries at U.S. supermarkets on up to $25,000 per year, then 1x

• $325 annual fee (see rates & fees)

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Who should apply? If you spend heavily on dining and groceries, the Gold Card's rewards can easily offset its annual fee. Keep an eye out for Walmart+ Amex Offers for additional savings.

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Should You Get the $49 Walmart+ Deal?

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✅ Get this deal if:

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• You don't have a credit card that includes Walmart+ for free

• You shop at Walmart at least once a month

• You want early access to Black Friday deals (starts Nov 13 for members)

• You'll use the Paramount+ or Peacock streaming benefit

• You're eligible for Navy Federal and can get the $98 statement credit

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❌ Skip this deal if:

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• You already have an Amex Platinum or Navy Federal More Rewards Amex

• You rarely shop at Walmart

• You prefer Amazon Prime and don’t need both memberships

Walmart+ vs. Amazon Prime: Which Should You Choose?

Bottom line: Walmart+ makes sense if you prefer Walmart’s prices and want faster delivery on everyday items. Amazon Prime is better for streaming content and a wider product selection.

FAQs About Walmart+ and Credit Card Benefits

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Can I use this $49 deal if I'm renewing my membership? 

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Officially no, but some members report success by:

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• Letting their membership expire, then signing up again

• Going to the cancellation page, where Walmart may offer a $49 retention deal

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‍Will getting a Walmart credit card affect my credit score? 

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Applying for any credit card results in a hard inquiry, which may temporarily lower your score by a few points. 

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Can I get both the $49 deal AND the free Walmart+ from a credit card? 

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No. If you have a card that includes Walmart+ as a benefit (like Amex Platinum), you already have an active membership and won't be eligible for the “new member” $49 deal.

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When do Walmart's Black Friday deals start for Walmart+ members? 

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The first wave starts online at 7 pm ET on Thursday, November 13th, for Walmart+ members,  five hours before the general public. The second wave starts on November 28th at 12 am ET.

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Does Walmart+ include gas discounts? 

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Yes! Members save up to $0.10 per gallon at Walmart and Murphy fuel stations.

Final Verdict: Is the $49 Walmart+ Deal Worth It?

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If you shop at Walmart regularly, this $49 deal pays for itself in just a few deliveries. But here's the catch: your membership auto-renews at $98 next year. Set a calendar reminder for November 2026 to decide if you want to keep the membership or not.