Attention Walmart shoppers! Are you earning all the rewards you should for spending your hard-earned dollars at Walmart?
You may be surprised to learn that the best credit cards for Walmart shopping extend beyond the co-branded cards issued by Walmart. Read on to learn who gives you the best deal on your Walmart purchases.
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Let’s Look at Walmart’s Options First
Walmart and Capital One ended their credit card partnership in 2024, meaning the Capital One Walmart Rewards Card and the Walmart Rewards® Card were phased out.
As of publication, Walmart no longer offers a credit product, but that could change in the future as the company can now partner with a new issuer. Its only financing option is a buy now, pay later (BNPL) partnership with Affirm.
But BNPL financing isn’t an everyday option, and it certainly won’t allow you to earn cash back, rewards, or build credit. So, we have put together a list of some of the best credit card options for a variety of consumers out there to use on Walmart purchases.
Best Cash Back Cards for Walmart Shopping
Many consumers like the flexibility of cash back rewards, and those rewards should be as generous as possible. Consumers also like credit cards they can earn maximum rewards at more places than just one store.
For these three reasons, the following three cards offer a lot to like.
4.9
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 15 billing cycles for purchases
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0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 4%)
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18.49% - 28.49% Variable APR on purchases and balance transfers
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$0
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Excellent/Good
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Additional Disclosure: Bank of America is a CardRates advertiser.
4.9
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness. Rates as of December 12, 2024.
- Terms and conditions apply.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR for 15 months
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0% Intro APR for 15 months
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18.49% - 27.49% Variable APR Rates as of December 12, 2024.
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$0
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Excellent/Good
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4.8
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% Intro APR on Purchases 15 months
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0% Intro APR on Balance Transfers 15 months
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19.74% - 28.49% Variable
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$0
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Good/Excellent
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As you can see, you can earn superior cash back rewards with cards that are honored well beyond the confines of Walmart and Walmart.com. Unless you do all your shopping at Walmart, you may prefer the simplicity of using a card that earns comparable or better rewards at more places.
Best Travel Cards for Walmart Shopping
Some cardholders prefer rewards that can help them get out of town (or out of the country) with cheaper flights or hotels. And if you pick the right card, you can earn more points, miles, or rewards toward those adventures.
If you are a Walmart shopper who wants more travel benefits from a card, check out the following travel cards.
4.9
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
0% for 15 months
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0% for 15 months
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19.49% - 29.49% (Variable)
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$0
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Excellent, Good
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4.8
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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19.99% - 29.49% (Variable)
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$95
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Excellent, Good
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4.8
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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19.99% - 29.49% (Variable)
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$395
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Excellent
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Some of these cards have annual fees, but you may be able to offset those with perks and credits if you play your cards right. And if you use theem at Walmart often, you could still take advantage of the miles bonuses on everyday purchases.
Best Cards for Walmart Shopping with Bad Credit
Many of the cards we’ve discussed so far may not approve applicants who have bad credit. Here are three alternatives available to consumers who have bad credit or thin credit histories.
4.9
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability* for unauthorized use
- Access your account online or from your mobile device 24/7
- *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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See terms
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See terms
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Fair/Good
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4.9
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
|
See Provider Website
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See Provider Website
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Fair/Poor
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4.8
- No credit check to apply
- Adjustable credit limit based on what you transfer from your Chime Checking account to the secured deposit account
- No interest* or annual fees
- To apply for Credit Builder, you must have an active Chime® Checking Account. See official application, terms, and details link below.
- The secured Chime Credit Builder Visa® Card is issued by The Bankcorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- *Out-of-network ATM withdrawal and OTC advance fees may apply. View The Bancorp agreement or Stride agreement for details; see back of card for issuer.
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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N/A
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$0
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None
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Some credit cards may deny applicants for a number of reasons, including lowmonthly income, past due accounts, charge-offs, and non-discharged bankruptcies. Our recommended alternatives for consumers with bad credit have more lenient acceptance qualifications.
FAQs: Is the Walmart MoneyCard a Credit Card?
No, the Walmart MoneyCard is actually a debit card linked to a deposit account provided by Green Dot Bank. The MoneyCard allows you to make purchases, but since it isn’t attached to a credit line, your payments to the card aren’t reported to the credit bureaus. That means it can’t help you build (or improve) your credit score.
But the Walmart MoneyCard does offer some perks for Walmart shoppers. It offers up to $75 in cash back rewards on purchases from Walmart, Walmart.com, and any Walmart fuel stations. Its tiered rewards are in line with what you might find with some credit cards, although its $75 cap is lower. But you won’t have to worry about any interest charges.
The Walmart MoneyCard also offers overdraft protection of up to $200 if you opt in and set up direct deposit with an eligible amount. Reloading is easy with cash at any Walmart location if you have the MoneyCard app and you don’t have to submit to a credit check when you apply.
While it won’t help you build credit, the Walmart MoneyCard could be a better option than a high-APR, low-limit credit card if you are looking to get control of your finances while saving a little money when shopping at Walmart.
Which Credit Cards Offer Free Walmart+?
Walmart+ is the company’s foray into delivery subscription, and has proven popular as an alternative to Amazon and other delivery services. It launched in 2020, and costs around $13 per month or $100 per year.
We only know of one card that offers a statement credit for Walmart+ each month, and that is The Platinum Card®.
4.9
- Earn 80,000 Membership Rewards® points after you use your new card to make $8,000 in purchases in your first 6 months of Card Membership
- Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
- $200 annual hotel credit, $200 annual airline fee credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
- Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 140 countries.
- Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
- Choose among three card designs
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Intro (Purchases)
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Intro (Transfers)
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Regular APR
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Annual Fee
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Credit Needed
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|---|---|---|---|---|
N/A
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N/A
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20.74% – 28.74% Pay Over Time
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$695
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Excellent
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All you need to do is add The Platinum Card® as your form of payment when you sign up for the monthly membership — or change the form of payment if you’re a member. If you pay for the plan annually, you’ll need to switch over to a monthly plan to take advantage of this perk.
The card has a steep annual fee, and you’ll need excellent credit to get approved, but you’ll make up a nice little chunk of that with a Walmart+ membership you don’t need to pay for.
What is the Best Credit Card for Grocery Shopping?
Walmart stores sell many types of products, including groceries. But if you want the maximum rewards for grocery shopping, you should consider the following cards:
- Discover it® Cash Back: This card provides bonus cash back in rotating shopping categories each quarter. One category almost always includes groceries.
- Blue Cash Preferred® Card from American Express: Provides 6% cash back on annual purchases up to $6,000 from selected merchant types, including grocery stores. This excludes superstores that sell groceries. Remaining purchases earn 1%. The caveat, however, is that this card charges a $95 annual fee.
- Target Circle™ Card: The Target Circle™ Card provides an unlimited 5% savings on Target and Target.com purchases, including groceries, and it has no 12-month limits. The card charges no annual fee.
- Costco Anywhere Visa® Card by Citi: If you prefer Costco to Walmart, this card offers various cash back tiers, including bonus cash back on purchases (including groceries) from Costco and Costco.com. You can use this no-annual-fee card anywhere Visa is accepted.
- Bank of America® Cash Rewards: This card offers multiple cash back tiers, including 2% cash back at grocery stores on up to $2,500 in combined quarterly purchases, excluding superstores but including wholesale clubs. This card charges no annual fee.
Before picking a card, our advice is to consider your grocery shopping habits, including where you like to shop and whether you want rewards in other categories besides groceries.
A New Card Could Make Walmart Shopping More Rewarding
Our review shows that you have options when it comes to the best credit cards for Walmart shopping. Whether you want to stack up cash back, earn travel rewards for your next getaway, or just want to build credit wil shopping, there’s a card for you
Just ensure you use any credit card responsibly and don’t charge more than you can afford. That way, you can take advantage of Walmart’s prices while earning a little something for yourself, too.
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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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