The Ultimate Guide to Credit Cards
Saturday, September 26, 2020

Can I Use My Walmart Credit Card Anywhere? 3 Things to Know

Can Use Walmart Credit Card Anywhere

credit card advice

Ashley Dull
By: Ashley Dull
Updated: March 6, 2020
Advertiser Disclosure

If you’re wondering if you can use your Walmart credit card anywhere, the short answer is — well, it depends. It may not be the tidy answer you’re looking for, but read on as we explain.

Walmart is the largest retail company in the world and has remained in the top position among other American retail chains since 2002. Known for its “Everyday Low Prices,” people love the convenience and affordability Walmart brings to the (dinner) table. With everything from clothing and furniture departments to full-service pharmacies and delis, Walmart is a one-stop-shop for many families.

So naturally, it makes sense to get a credit card from a store you visit often — each week, nearly one-third of the US population will go to a Walmart store! But what about when you want to go to Target, or literally anywhere else? We’ve done some research on the Walmart credit cards and where they can be used to make purchases, the rewards you can (and can’t) earn, along with some comparable (and superior) credit card options.

1. It Depends on Which Walmart Credit Card You Carry

There are two Walmart credit cards you can apply for — the Capital One® Walmart Rewards™ Mastercard and the Walmart Rewards Card. The latter can only be used at Walmart stores, Walmart.com, Sam’s Club, and its associated gas stations. The Walmart Mastercard, however, can be used anywhere Mastercard is accepted.

Capital One® Walmart Rewards™ Card

Only the Capital One® Walmart Rewards™ Card can be used everywhere Mastercard is accepted.

Being Mastercard is one of the largest and most popular global networks, you can bet your card will be accepted most everywhere.

While you may not be able to use the Walmart Rewards Card everywhere, you may be happy to know that both cards earn up to 5% cash back for purchases made on Walmart.com and 2% back for purchases made in store. That’s not bad considering neither card charges an annual fee.

However, if you want to earn bonus rewards at more places than just Walmart and its gas stations, you’re probably shorting yourself of the best rewards-earning potential, as we’ll explain next.

2. Both Carry High APRs, So You May Have Better Options

While known for low prices, Walmart isn’t necessarily known for low-interest rates. The Walmart Rewards Card carries a variable 26.99% APR, while the Walmart Rewards Mastercard begins at 17.99% APR up to 26.99%, based on creditworthiness, per the terms and conditions.

If you have a poor credit score, it’s unlikely you’ll be approved for the Walmart Rewards Mastercard, but the Walmart Rewards Card provides more lenient approval standards.

If you make most of your purchases online at Walmart.com, both cards can provide great cash-back value at 5% for all qualifying transactions. If you’re making the bulk of your purchases in-store, the cash-back value isn’t so appealing, sitting at just 2% per qualifying purchase. This is less than ideal when cards like the Chase Freedom Flex℠ offer 5% back in rotating quarterly categories that can include Walmart at least one quarter per year.

Screenshot of Walmart.com

Your cash back rewards can be applied as a statement credit for your previously made purchases through the Capital One app or by visiting walmart.capitalone.com. Redemptions typically take two to three days to appear on your statement. You can also redeem your rewards for gift cards, and if you’re approved for the Capital One Mastercard, your cash back rewards can be redeemed for travel.

If you carry a balance, however, this means the rewards you’ve earned are only helping to lessen the interest you’re paying, so you’re not really earning much at all, or at least it won’t feel like it.

Not only can the following cards be used everywhere Visa and Mastercard are accepted, most offer lower APRs and better cash back rewards that can be redeemed for a check, travel rewards, gift cards, merchandise, or statement credit if that’s what you prefer — and there are options for all credit types — no bad credit denials to worry about.

Good Credit (700+) | Fair Credit (650+) | Poor Credit (<650)

Rewards Cards for Good Credit

Those with good credit scores have the best offers to choose from, especially when it comes to cash back. Instead of earning 1% on outside purchases with the Walmart Mastercard, earn up to 5% cash back with one of these.

GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
GOOD CREDIT RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
  • Earn unlimited 2X 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
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
Blue Cash Preferred® Card Review

at the issuer'ssecure website

GOOD CREDIT RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions
  • Earn 3% cash back on transit, including gas, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • Earn $300 back in the form of a statement credit after you spend $1,000 in purchases on your new card in your first 3 months of Card Membership
  • 0% intro APR for 12 months from the date of account opening
  • $95 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.99% - 23.99%
$95
Good/Excellent

+ See More Cards for Good Credit

Rewards Cards for Fair Credit

“Fair” credit means you’re kind of sitting there right in the middle of the credit score spectrum between “good” and “bad.” By using one of the following cards responsibly (always paying on time, keeping your balance low), you can increase your credit score over time, and still earn comparable rewards to that of the Walmart Rewards Card. The primary difference, of course, being merchant acceptance — earn rewards everywhere, not just at Walmart.

FAIR CREDIT RATING
★★★★★
4.8
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Credit One Bank® Platinum Visa® Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.7
OVERALL RATING
3.8/5.0
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Fair
Credit One Bank® Visa® Credit Card with Cash Back Rewards Review

at Credit One'ssecure website

FAIR CREDIT RATING
★★★★★
4.5
OVERALL RATING
3.8/5.0
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Fair

+ See More Cards for Fair Credit

Rewards Cards for Poor Credit

Regardless of your credit rating, you still have options for earning cash back rewards on all of your qualifying purchases — the caveat being you may be required to pay an annual fee. This is the price you’ll quite literally pay to have a card that isn’t restricted to one store when you have less-than-perfect credit. These cards can also be used to mend your credit score with responsible use, and you can eventually qualify for better offers.

Credit One Bank® Visa® with Free Credit Score Access Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.3
OVERALL RATING
4.0/5.0
  • See if you Pre-Qualify in less than 60 seconds—without affecting your credit score. It's fast, easy, and secure.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • This is a fully functional, unsecured credit card—not a debit card, prepaid card, or secured credit card with deposit requirements.
  • Credit One Bank evaluates every account for credit line increase opportunities. We'll let you know as soon as you're eligible for a higher credit line.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Poor Credit
Credit One Bank® Visa® Credit Card Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.0
OVERALL RATING
4.0/5.0
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Poor
Credit One Bank® Unsecured Visa® for Rebuilding Credit Review

at Credit One'ssecure website

BAD CREDIT RATING
★★★★
4.0
OVERALL RATING
3.7/5.0
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Accounts are automatically reviewed for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.99% to 23.99% Variable
$0 - $99
Poor

 

+ See More Cards for Bad Credit

3. Special Financing is No Longer Available

When the holidays roll around, or really any time you want to make a large purchase, it’s nice having the option to “buy now and pay later” with Walmart special financing. Special financing allows you to pay no interest on your purchase, however, this feature was removed from Walmart credit cards when they were recently taken over by Capital One.

If interest-free financing appeals to you, you’re better off with a 0% intro APR credit card, allowing you to purchase anything — not just a qualifying Walmart product — and pay no interest for up to 15 months or longer! The pair of Walmart credit cards have their perks, especially when buying online, but every wallet should have a more versatile option that allows cardholders to earn rewards everywhere.

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