Walmart Deals · June 22, 2026

Walmart Plus vs Instacart — Real-World Test Results

You’re standing at the grocery store checkout, your phone buzzes with an alert: “Running low on milk!” Sound familiar? If juggling weekly grocery runs with your packed schedule sounds like your life, then you’re probably eyeing convenience services like Walmart Plus and Instacart. But which one actually fits into your lifestyle seamlessly?

Feature Walmart Plus Instacart
Monthly Subscription Cost $12.95 $9.99
Annual Subscription Discount $98/year $99/year
Free Delivery Threshold $35 minimum Varies by store
In-Store Prices
Gas Discounts
Availability Limited to Walmart stores Multiple grocery chains

✅ walmart plus Pros

  • Access to in-store pricing, avoiding marked-up costs.
  • Gas discounts at affiliated stations, saving you money on the road.
  • Free shipping with no order minimum on Walmart.com.

❌ walmart plus Cons

  • Limited to Walmart stores, restricting your brand choices.
  • Some delivery areas are not covered yet.
  • Higher free delivery threshold at $35.

✅ instacart Pros

  • Access to multiple grocery chains for more variety.
  • Often lower free delivery thresholds.
  • Availability in more regions than Walmart Plus.

❌ instacart Cons

  • Prices can be higher than in-store due to markups.
  • No additional perks like gas discounts.
  • Occasional delivery fee even with membership, depending on store.

Membership Costs and Savings

Walmart Plus and Instacart differ slightly in their pricing structures. Walmart Plus charges $12.95 monthly or $98 annually, while Instacart’s $9.99 monthly is slightly cheaper, though their annual fee is similar at $99. Walmart Plus offers savings beyond groceries with gas discounts, which can be significant if you’re a frequent driver. Instacart, on the other hand, doesn’t offer these non-grocery perks but provides access to a wider range of stores, which could mean more savings if you shop around for deals.

Delivery and Accessibility

Walmart Plus has a higher free delivery threshold at $35, which might be a bit restrictive if you prefer smaller, more frequent orders. Instacart often provides lower thresholds, sometimes even none depending on the store. However, Walmart Plus offers the advantage of in-store pricing, helping you avoid the markups that can occur with Instacart. If you live in an area where both services are available, Instacart might cover more store options, but Walmart Plus could mean cheaper overall costs for bulk shoppers.

Service Coverage and Variety

Walmart Plus is great if you primarily shop at Walmart and want to maximize savings with consistent pricing and extra perks like gas discounts. However, if variety is your priority, Instacart wins with its access to multiple grocery chains. This means you can mix and match your shopping list from different stores, though you might pay a little extra for the convenience. Your location plays a big role here; Instacart tends to have broader coverage, especially in urban areas.

Both services have their quirks. Walmart Plus is useless if you live far from a Walmart store or your area isn’t covered. Instacart’s sneaky markups can trick you into thinking you’re getting a deal, but you might end up paying more than the in-store price. Always check whether what you’re saving in time is worth what you’re losing in cash.

Our Final Verdict: Which One Should You Buy?

If you’re a loyal Walmart shopper who loves the idea of saving on gas and getting in-store prices, Walmart Plus is your best bet. But if you crave variety and don’t mind paying a bit more for it, Instacart will scratch that itch, especially in regions with diverse store options. Just remember to keep an eye on those delivery fees and markups.

Can I use Walmart Plus for non-grocery items?

Yes, Walmart Plus also offers free shipping on Walmart.com without any order minimums, which is great for non-grocery items.

Does Instacart offer any discounts or rewards?

Instacart itself doesn’t offer gas discounts or similar perks, but sometimes stores have their own promotions that you can take advantage of.

How do delivery times compare between the two?

Both services offer flexible delivery windows, but availability may vary based on your location and demand. Instacart often has more slots due to its wider network of stores.