Writer: Eric Bank
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
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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.
While Walmart no longer offers a traditional credit card, the retailer still provides a few financial tools for shoppers. Today, Walmart customers can choose from two prepaid debit card options — the Walmart OnePay Cash Mastercard and the Walmart MoneyCard® — as well as a buy now, pay later (BNPL) financing partnership with Affirm.
1. Walmart OnePay Cash Mastercard
This card is currently not available.
Additional Disclosure: Information for this card not reviewed by or provided by Capital One.
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
*Please see site for full terms and conditions.
Additional Disclosure: Walmart MoneyCard® is a debit card offer.
Prepaid cards function differently from credit cards because you can only spend money you load onto the account. However, they can still provide benefits for Walmart shoppers, such as cash back rewards, early direct deposit, and budgeting tools.
The Walmart OnePay Cash Mastercard offers up to 3% cash back at Walmart (and up to 5% with Walmart+), while the Walmart MoneyCard® provides rewards on Walmart purchases and the ability to waive monthly fees with qualifying direct deposits.
Walmart also partners with Affirm to offer buy now, pay later financing on eligible purchases. BNPL options can help spread out payments over time, but they typically don’t earn rewards or help build credit the way traditional credit cards can.
Because prepaid cards and BNPL financing work differently from credit cards, we’ve also included several traditional credit card options that can help shoppers earn rewards, build credit, and maximize savings 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.
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
- Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
- No annual fee and cash rewards don’t expire as long as your account remains open.
- Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
- 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 17.49% - 27.49% 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 5%. Balance transfers may not be used to pay any account provided by Bank of America.
- This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Additional Disclosure: Bank of America is a CardRates advertiser.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers. 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 cash back for any amount. No annual fee.
- Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
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.
- Earn 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
- 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
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
- Top rated mobile app
- 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 access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
- Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- $95 annual fee
- Free employee cards which also earn unlimited 2X miles from their purchases
- Top rated mobile app
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 them 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.
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balances 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.
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Some credit cards may deny applicants for a number of reasons, including low monthly income, past due accounts, charge-offs, and non-discharged bankruptcies. Our recommended alternatives for consumers with bad credit have more lenient acceptance qualifications.
Walmart Payment Options Compared
Walmart shoppers have several ways to pay for purchases, but each option works a little differently. Traditional credit cards allow you to earn rewards and potentially build credit, while prepaid cards require you to load funds before spending. Walmart also offers buy now, pay later financing through Affirm for larger purchases.
The chart below compares the most common Walmart payment options so you can decide which one best fits your spending habits and financial goals.
| Payment Option | Rewards | Builds Credit | Best For |
|---|---|---|---|
| Credit Cards | Yes | Yes | Maximizing rewards |
| Walmart MoneyCard® | Yes | No | Walmart shoppers without credit |
| Walmart OnePay Cash Mastercard | Yes | No | Budgeting + rewards |
| Affirm BNPL | No | Sometimes | Large purchases |
FAQs: Does Walmart Accept Credit Cards?
Yes. Walmart accepts all major credit card networks, including Visa, Mastercard, American Express, and Discover. Shoppers can use credit cards both in-store and online at Walmart.com.
Because Walmart discontinued its co-branded credit card in 2024, shoppers who want to earn rewards on Walmart purchases now need to use a general rewards credit card or a prepaid Walmart card, such as the Walmart OnePay Cash Mastercard or Walmart MoneyCard®.
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 Walmart 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 made at Walmart, Walmart.com, and any Walmart fuel station. 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®.
- Earn 175,000 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.
- $600 annual hotel credit, $200 annual airline fee credit, $200 per year Uber cash credit, $300 per year digital entertainment credit, and more.
- Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection®, including 1,550 airport lounges.
- Apply with Confidence: Know if you’re approved for this Card with no credit score impact
- Fee Credit for Global Entry, TSA PreCheck®, CLEAR® Plus Membership
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 while 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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