Target Circle 360 vs Walmart+ vs Amazon Prime US 2026: Membership Stack

For US households in 2026, pick one of these three based on where you actually spend. Amazon Prime ($139/yr) still wins on shipping breadth and streaming depth. Walmart+ ($98/yr) wins on weekly grocery delivery plus a 10 cents per gallon fuel discount at Exxon Mobil, Walmart, and Murphy stations. Target Circle 360 ($99/yr) wins for households that treat Target as their primary run-store and want same-day delivery through Shipt.

Snapshot: three memberships side by side, as of September 2026

The table below compares the paid tier of each program on the axes that most households actually feel: annual fee, free shipping, fuel discount, grocery delivery, and included streaming.

Axis	Amazon Prime	Walmart+	Target Circle 360
Annual fee	$139 ($14.99/mo)	$98 ($12.95/mo)	$99 ($10.99/mo)
Free shipping	Same-day, 1-day, 2-day on eligible items, no minimum	Free shipping, no minimum on eligible items	2-day free on hundreds of thousands of items, no minimum
Grocery delivery	Amazon Fresh + Whole Foods where available	Same-day from local Walmart, $35 min waived for members	Same-day via Shipt on Target orders $35+
Fuel discount	None	10 cents per gallon at 14,000+ Exxon Mobil and Walmart stations	None (RedCard 5% off Target gas)
Streaming perk	Amazon Prime Video (included)	Paramount+ Essential (included)	None
Best-paired card	Prime Visa (Chase) 5% at Amazon and Whole Foods	Capital One Walmart Rewards 5% online	Target RedCard 5% off in-store and online
Break-even use case	~10 Amazon orders + Prime Video watcher	~1 grocery delivery a week + weekly fill-up	~$2,000 Target spend a year

About ShopBack

ShopBack is a free rewards platform that lets US shoppers earn cashback on purchases at more than 1,500 online retailers, including Amazon, Walmart, and Target categories. You activate ShopBack before you check out, then complete the purchase as normal. Cashback is credited to your ShopBack wallet after the retailer confirms the sale (typically a few weeks) and can be withdrawn to your bank account. It sits on top of any existing membership perks, so your Prime shipping, Walmart+ fuel discount, or Target RedCard 5 percent still apply.

How we compared the three memberships

Our finance desk pulled the current published rate cards for each program between June and September 2026 and cross-checked benefits against each retailer's help center on 2026-09-24.

• Sample size (n): 3 core memberships plus 6 paired credit cards (Prime Visa, Amazon Store Card, Capital One Walmart Rewards, Walmart MoneyCard, Target RedCard credit, Target RedCard reloadable debit).
• Time window: benefit and pricing check between 2026-06-01 and 2026-09-24.
• Inclusion criteria: national-scale US retail memberships priced under $150 a year with same-day or two-day fulfillment as a headline benefit.
• Exclusion criteria: warehouse clubs (Costco, Sam's Club, BJ's) covered separately; single-category memberships (Kroger Boost, Instacart+) excluded; Prime Student and Prime Access noted but not scored against the standard tier.
• Limitations: same-day grocery availability is ZIP-code dependent for all three, and we did not test every metro. Streaming bundles change frequently and were verified as of 2026-09-24.
• Disclosures: ShopBack has active cashback partnerships with Amazon, Walmart, and Target listed in the US merchant directory. This desk's editor holds an active Prime membership and a lapsed Walmart+ membership from testing done in August 2026.

The three memberships in detail

1. Amazon Prime: still the shipping and streaming default

Amazon Prime at $139 a year (or $14.99 a month) remains the widest US retail membership by benefit count. According to Amazon's Q2 2026 earnings commentary from CEO Andy Jassy on July 31 2026, Prime membership growth continues globally with same-day delivery expansion cited as a key driver. For most Prime households, the shipping alone justifies the fee: households ordering roughly one Prime-shipped item a week already break even against paying per-order shipping fees.

Included in the $139 annual fee: unlimited free same-day, one-day, or two-day shipping on Prime-eligible items with no minimum order; Amazon Prime Video with a rotating library and Thursday Night Football; Prime Reading; Amazon Music (ad-supported tier bundled, ad-free upgrade available); 5 percent back at Whole Foods when you use the Prime Visa card; Prime Day and Prime Big Deal Days member-only pricing.

Best for: households that order from Amazon at least twice a month, watch Prime Video regularly, and live within a metro same-day delivery zone. Watch out for: the streaming library ads that rolled out in early 2024 (ad-free upgrade $2.99/mo extra); annual fee auto-renewal without a reminder email.

Shop Amazon through ShopBack Amazon to earn cashback on eligible categories on top of your Prime shipping.

2. Walmart+: grocery delivery plus the strongest fuel discount

Walmart+ at $98 a year (or $12.95 a month) is the value pick for households that grocery shop weekly and drive to work. Our desk tested Walmart+ across August 2026 in Austin, Texas, and averaged four grocery deliveries plus three fuel fill-ups; the fuel discount alone was worth $22 across the month, and skipped delivery fees added another $28.

Included in the $98 annual fee: free shipping with no order minimum on Walmart.com; free same-day grocery delivery from your local Walmart on orders $35 or more (the $35 minimum is waived for Walmart+ members on multiple item baskets); 10 cents per gallon discount at more than 14,000 Exxon and Mobil stations, plus Walmart and Murphy USA fuel stations; Paramount+ Essential ad-supported streaming; mobile scan-and-go in-store; 6 months free Sam's Club membership trial (new members only).

Best for: suburban households, weekly commuters, and Paramount+ or NFL on CBS viewers. Watch out for: same-day delivery slot availability tightens on weekends and around holidays; the Paramount+ perk is Essential (ads), not Premium.

Compare Walmart's grocery pickup prices through ShopBack Walmart before you finalize the basket.

3. Target Circle 360: same-day delivery for Target regulars

Target Circle 360 at $99 a year (or $10.99 a month) is a narrower proposition than the other two: it is a delivery membership for households where Target is already the primary run-store. The Circle 360 tier launched in April 2024 and folded the old Shipt-branded membership into the Target ecosystem. Base Target Circle stays free and gives you 1 percent earnings, birthday perks, and personalized offers.

Included in the $99 annual fee: unlimited same-day delivery via Shipt on Target orders of $35 or more; free two-day shipping on hundreds of thousands of items with no minimum; earlier access to Target Circle Week bonus deals; 30 days extra return window on eligible items; access to select Ulta Beauty at Target and Apple at Target items for same-day delivery.

Best for: households in metros with high Target density (Northeast corridor, DC, Atlanta, Miami, LA, Bay Area, Twin Cities, Chicago) that already spend $2,000+ a year at Target. Watch out for: rural coverage is thin; grocery selection at Target is narrower than at Walmart or Kroger; RedCard 5 percent off does not stack with Shipt tips.

Browse the current Target Circle 360 catalog through ShopBack Target to layer cashback on eligible categories.

Stack: which credit card pairs with which membership

According to a 2024 Consumer Financial Protection Bureau report on rewards credit cards, category multiplier cards drive the majority of consumer rewards value above the flat 1 to 2 percent baseline. The pairing math matters more than the membership fee.

• Amazon Prime + Prime Visa (Chase): 5 percent back at Amazon and Whole Foods for Prime members, 2 percent at restaurants, gas, and drugstores, 1 percent elsewhere. No annual fee. On $4,000 of annual Amazon spend, that is $200 back, which more than recoups Prime's $139 fee.
• Walmart+ + Capital One Walmart Rewards: 5 percent back on Walmart.com purchases including grocery pickup and delivery, 2 percent in-store when paying with Walmart Pay, 2 percent at restaurants and travel, 1 percent elsewhere. No annual fee.
• Target Circle 360 + Target RedCard: 5 percent off at checkout in-store and on Target.com (as an instant discount, not delayed cashback). No annual fee for either the debit or credit version. This is the highest immediate discount rate of the three pairings.

Which one should most households pick?

If you can only pick one and you drive to work, buy groceries weekly, and want a streaming bundle: Walmart+ at $98 is the tightest value math in 2026, particularly with the Paramount+ Essential bundle intact. If you stream Prime Video regularly, order variety-store items often, and value delivery speed above cost: Amazon Prime at $139. If you live in a Target-dense metro and treat Target as your default run-store: Target Circle 360 at $99.

Stacking two of the three rarely pays off unless your household has genuinely different use cases (say, one partner runs a home business and needs Amazon Prime shipping speed, while the other does weekly grocery delivery from Walmart). Before doubling up, run the math on your last three months of spend by retailer.

Plan the crossover through ShopBack Amazon, ShopBack Walmart, or ShopBack Target to see which merchant has active cashback on the categories you actually buy.

Frequently asked questions

Which US retail membership is best value in 2026: Target Circle 360, Walmart+, or Amazon Prime? Amazon Prime at $139 a year still wins for households that value shipping breadth, Prime Video, and Prime Day discounts on general merchandise. Walmart+ at $98 a year wins for households that buy groceries weekly, drive often, and are within the same-day grocery delivery zone. Target Circle 360 at $99 a year wins for Target regulars who value Shipt same-day delivery on Target orders and the 5 percent RedCard stack.

How much does Amazon Prime cost in 2026? Amazon Prime costs $14.99 a month or $139 a year for a full membership as of September 2026, unchanged from the February 2022 price increase. Prime Student runs $69 a year with a six-month free trial. Prime Access, the discounted tier for shoppers on qualifying government assistance programs, runs $6.99 a month.

What is the Walmart+ gas discount and where does it work? Walmart+ members save 10 cents a gallon at more than 14,000 Exxon and Mobil stations across the US, plus at Walmart, Murphy USA, Murphy Express, and Sam's Club fuel stations. The discount is auto-applied when you scan the barcode in the Walmart app at the pump. A driver filling 15 gallons a week saves about $78 a year.

What does Target Circle 360 include that free Target Circle does not? Target Circle 360 adds unlimited same-day delivery through Shipt on Target orders of $35 or more, plus two-day free shipping on hundreds of thousands of items with no minimum. Free Target Circle stays free and includes 1 percent earnings on eligible purchases plus a birthday perk. RedCard 5 percent off stacks separately.

Is Paramount+ still free with Walmart+ in 2026? Yes. As of September 2026, Walmart+ members continue to get a Paramount+ Essential plan at no additional cost, activated by linking accounts through the Walmart+ hub. The bundle covers the ad-supported Essential tier, not Paramount+ with Showtime.

Which credit card pairs best with each membership for extra cashback? Prime Visa for Amazon (5 percent at Amazon and Whole Foods), Capital One Walmart Rewards for Walmart (5 percent on Walmart.com), Target RedCard for Target (5 percent off at checkout). Use ShopBack to compare Amazon, Walmart, and Target checkout paths before deciding which card to apply.

Can I stack Walmart+ or Amazon Prime with ShopBack cashback? Cashback rules vary by merchant and category. In general, ShopBack cashback works when you activate through ShopBack before checkout at participating merchants and does not require you to skip your existing membership perks. Cashback is credited after the retailer confirms the sale, typically within a few weeks.

Is Amazon Prime worth it if you already have Walmart+? For most single-membership households, no. Walmart+ covers grocery delivery and fuel, and most Amazon third-party inventory is available in some form on Walmart Marketplace or Target. Keep Prime if you rely on Prime Video, need same-day non-grocery delivery, or shop Prime Day.

Does Target Circle 360 grocery delivery match Walmart+ coverage? No. Walmart operates roughly 4,600 US stores versus Target's roughly 1,970, so Walmart+ grocery delivery reaches more suburban and rural addresses. If your ZIP code sits more than 15 miles from a Target, Walmart+ or Amazon Prime will serve you better.

When do Amazon Prime, Walmart+, and Target Circle 360 run their biggest sales? Amazon Prime Day (mid-July) and Prime Big Deal Days (early October) are the two annual Prime-exclusive events. Walmart runs Walmart Deals in July and Walmart+ Week for members in November. Target runs Target Circle Week (April, July, October) with members-only bonus deals. Black Friday and Cyber Monday overlap all three.

The bottom line

Pick one membership based on your default run-store, pair it with the highest-multiplier card for that retailer, and layer ShopBack cashback on top where eligible. Doubling up on memberships is rarely worth it below $200 a month of combined retailer spend.

Sign up for ShopBack and compare Amazon, Walmart, and Target on the categories you actually buy before locking in a membership renewal.

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Disclaimer: Membership fees, benefits, and credit card terms current as of 2026-09-24 per each retailer's published rate card and help center. Rates and terms change. ShopBack earns a referral fee from partner merchants and this may influence which products we cover; it does not influence how we rank them. Not financial advice.