Mattress Pad vs. Mattress Topper: What’s the Difference? Here’s What You Should Know Before Buying Either

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When it comes to creating the perfect bed , you might be wondering whether a protective mattress pad or a cooling mattress topper is the right addition. Both are designed to enhance the comfort of your mattress, but they serve different purposes. So, how do you choose between them? I asked Dejah Braggs, mattress expert at Healthy Americans , to help break it down. Below, find everything you need to know.

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Meet the Expert

Dejah Braggs is a mattress expert with years of experience covering all things sleep health. As a writer for Healthy Americans , she specializes in helping people improve their rest through informed mattress choices. Her insights have helped countless individuals understand the importance of sleep accessories, including mattress pads and toppers.

First, What Is a Mattress Pad?

A mattress pad is a thin, protective layer that sits on top of your mattress. While it's designed to offer light cushioning, the purpose is a mattress pad is more about shielding your mattress from spills, wear and tear and allergens. As Braggs explains, “Mattress pads are much thinner than toppers and are easier to maintain. You can typically throw them in the washing machine, which makes them a great low-maintenance option.” Because they’re not very thick, however, mattress pads won’t significantly alter the feel of your bed. Instead, mattress pads are often attached like fitted sheets or feature straps in the corners to keep them securely in place.

What Makes a Mattress Topper Different?

If a mattress pad is about spill protection, a mattress topper is designed for noticeable comfort. This is because toppers are thicker than pads and offer a customizable feel: “Mattress toppers can significantly change the feel of your bed,” Braggs explains. “They’re a great solution if you’re not ready to invest in a new mattress but still want to improve your sleep experience.” Toppers come in a variety of materials, including memory foam, latex, wool and feathers, and can either soften or firm up your mattress. Plus, most toppers are secured to the mattress with straps, and they can help prolong the life of a mattress by reducing pressure on the surface. Braggs says, “Toppers are thicker and provide more support, particularly for sensitive areas like your back and neck,” adding, “they’re ideal for sleepers who need extra cushioning.”

So, What’s the Big Difference Between a Mattress Pad and a Topper?

The biggest difference between a mattress pad and a topper is the level of comfort they provide. While a pad offers minimal enhancement, a topper can dramatically change the feel of your mattress. As Braggs puts it, “If you're looking for a significant change in support and overall feel, a mattress topper is your best bet. But for those seeking light comfort and spill-protection, a mattress pad is the way to go.”

A Guide to the Different Types of Mattress Pad and Topper Materials

When deciding between a mattress pad or topper, the material plays a key role in how it will feel and perform. Each material has unique benefits and drawbacks, depending on what you're looking for—whether it's added support, cooling properties, or ease of maintenance. Here’s an in-depth guide to the most common materials used in both mattress pads and toppers, with insights from Braggs.

1. Memory Foam

Tempur-pedic

Memory foam is widely used in mattress toppers due to its ability to contour to your body. It's made from polyurethane foam that softens with body heat, allowing it to mold to your shape, while providing tailored support for pressure points like the hips, shoulders and back. To that end, Braggs notes that memory foam “is fantastic for sleepers who need extra support or suffer from chronic back pain because it cradles the body, reducing strain on pressure points.” However, she adds, “Be cautious if you're a hot sleeper, as memory foam tends to retain heat, making it less breathable than other materials.” Long story short? If you prefer memory foam but struggle with night sweats , go for a gel-infused topper (like this one from TEMPUR-PEDIC ) to help dissipate body heat and wick away moisture.

2. Synthetic Fibers (e.g., Polyester, Rayon)

Amazon

Synthetic fibers like polyester or rayon are commonly used in both mattress pads and toppers—specifically down alternative toppers and pads, which are designed to mimic the softness of down (without the allergens). These materials also tend to be light, affordable and easier to care for, making them “ideal for anyone who wants a budget-friendly option with basic protection for their mattress,” per Braggs. Though they’re particularly useful for adding a bit of plushness without drastically altering the firmness of the bed, Braggs cautions that “they might lose their softness over time, especially with heavy use.”

3. Feather

Parachute

Feather-filled pads and toppers are among the most luxurious options available, typically made from down or feathers sourced from ducks or geese . The basic difference is that feather toppers are thicker and can change the feel of your mattress, whereas feather pads provide a lighter layer of cushioning. Either way, however, both offer a soft, cloud-like sleeping surface that’s ideal for anyone looking for a plush feel: “They’re a great choice if you want that pillow-top experience.” Braggs adds. The only drawback? Feather toppers may not be the best choice for people with allergies: “If you have sensitivities, feather or down materials can aggravate symptoms, so consider hypoallergenic alternatives.”

4. Cotton

Ritz-carlton

Cotton is a popular material—especially for mattress pads—due to its breathability and natural softness. “For mattress pads, cotton is a great choice,” Braggs says, explaining, “It’s breathable, easy to clean and adds just a touch of softness without dramatically changing the feel of your bed.” Indeed, most cotton pads are machine-washable, making them easy to care for, and offer a light layer of comfort for minimal impact. And on that note, it’s worth mentioning that cotton is less commonly used in toppers because it’s not as thick as other materials—it’s intended to be used in combination with other padding to provide softness (without adding much height to the bed). Braggs also warns that “Cotton pads are not as protective against spills, so pairing it with a waterproof cover is a good idea if spill protection is important.”

5. Wool

Avocado Green

Wool is a highly durable and naturally moisture-wicking material, often used in both mattress pads and toppers. “If you’re looking for something that’s both eco-friendly and highly effective at regulating temperature, wool is a fantastic option,” says Braggs. This is because wool offers excellent temperature regulation, keeping you cool in summer and warm in winter, while wicking away moisture. What’s more, wool toppers are typically thicker and provide significant cushioning, while wool pads are lighter and better for adding just a hint of softness. Still, Braggs says, “While wool is very durable, it’s harder to clean—wool pads and toppers typically need to be hand-washed.”

6. Latex

Saatva

Latex, a material made from either natural or synthetic rubber, is used primarily in mattress toppers due to its supportive yet springy feel. According to Braggs, “Latex toppers are known for their durability and support. They’re perfect for sleepers who want a little bounce but still need the cushioning that supports pressure points.” This is because latex contours to the body similarly to memory foam but tends to be cooler and more responsive. Natural latex is also hypoallergenic, making it a great choice for those with allergies. However, she adds, “Latex can be pricier than other materials, so it’s not always the best option if you’re on a tight budget.”

How the Materials’ Durability and Maintenance Compare

Beyond the feel, it’s essential to consider how long your topper/pad will last, plus how easy it is to maintain. Add to that the fact that different materials vary significantly in their durability and the level of care required to keep them in top condition. So below, a breakdown of each:

The Bottom Line: Which Should You Choose?

Ultimately, the choice between a mattress pad and a mattress topper depends on your needs. As Braggs explains, “If you’re looking for minimal comfort enhancement and protection, go with a mattress pad. It’s affordable, easy to maintain, and lightweight.” On the other hand, if you're seeking a significant change in your mattress's feel, she suggests opting for a topper: “A mattress topper will give you more cushioning and support, especially for those with pressure points or back pain.” For the best of both worlds, however, Braggs recommends pairing a topper with a mattress pad. "The topper enhances your comfort, while the pad adds a layer of protection.”

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