Walmart+ vs Amazon Prime vs Target Circle 360: Which Membership Saves You More in 2026?

Retail memberships have gotten complicated. Amazon Prime, Walmart+, and Target Circle 360 all want your $49–$139/year — and they're all promising savings and convenience. Here's the honest breakdown of which one (or ones) is actually worth it.

The Quick Comparison

Amazon Prime costs $139/year ($14.99/month). Walmart+ costs $98/year ($12.95/month). Target Circle 360 costs $49/year ($4.99/month).

Amazon Prime ($139/year)

What you get:

• Free 2-day shipping on Prime-eligible items
• Prime Video (streaming library including originals)
• Prime Music (100M+ songs ad-free)
• Prime Gaming (free monthly games)
• Amazon Photos (unlimited photo storage)
• Early access to Lightning Deals and Prime Day
• Whole Foods discounts

Worth it if: You order from Amazon at least 2x/month AND use Prime Video regularly. The streaming bundle alone is worth ~$10/month compared to alternatives.

Not worth it if: You rarely order from Amazon and already pay for Netflix and another streaming service.

Walmart+ ($98/year)

What you get:

• Free unlimited delivery from Walmart stores (groceries, household goods)
• Free shipping on Walmart.com orders (no minimum)
• Paramount+ Essential included (a $60/year value)
• Fuel discounts at Walmart and Murphy gas stations
• Scan & Go in-store checkout (skip the register line)
• Early access to Walmart sales events

Worth it if: You shop at Walmart for groceries regularly, especially if you'd pay for delivery anyway ($7–$10/order). The Paramount+ inclusion adds real value.

The underrated advantage: Walmart+ same-day delivery from physical Walmart stores is often faster than Amazon Prime — especially for everyday household items.

Target Circle 360 ($49/year)

What you get:

• Free same-day delivery from Target (via Shipt) with no per-order fee
• Free 2-day shipping on Target.com
• Extended return window (from 30 to 60 days)
• Early access to Target sales

Worth it if: You shop at Target regularly and value same-day delivery. At $49/year, one avoided delivery fee per month pays for it.

Can You Have More Than One?

Yes, and many households do. The most common winning combinations:

Amazon Prime + Target Circle 360: $188/year total. Prime for everything Amazon + streaming, Circle 360 for Target same-day delivery.

Walmart+ + Target Circle 360: $147/year. Skip Prime entirely and cover grocery and household delivery from two physical retailers. Strong choice if you don't stream much.

All three: $286/year. Probably overkill unless you're a very high-volume shopper actively using all three.

The ROI Test

For each membership, estimate how much you'd pay in shipping and delivery without it, add the value of streaming or other benefits you'd actually use, and check whether it exceeds the annual cost. For most households, one or two memberships makes sense.

Bottom Line

• **Best value:** Target Circle 360 at $49 — lowest cost with strong benefits for Target shoppers
• **Most benefits:** Amazon Prime — but only if you use Prime Video
• **Best for grocery shoppers:** Walmart+ — especially if you shop Walmart for household staples

Whatever memberships you hold, always use CheapestFinder before a major purchase to make sure you're actually buying from the cheapest retailer.