If you frequently shop at Walmart, getting a credit card that earns more rewards at Walmart can make a meaningful impact on your personal bottom line. Here are the cards that earn the most rewards at Walmart. (Jump directly to our recommendations.)
Capital One Walmart Rewards® Card: 5% cash back at Walmart.com and 2% in-store.
Learn how to apply.
Read more below.
Rewards at Walmart: 5% cash back at Walmart.com, including on delivery and store pick-up orders. 2% cash back in-store at Walmart. You’ll also earn 5% cash back when you use Walmart Pay in-store during your first year.
In most cases, this card will earn you the most cash back at Walmart. Read our review.
Annual fee: $0
U.S. Bank Shopper Cash Rewards®Visa Signature®Card: Up to 6% cash back at Walmart
Learn how to apply.
Read more below.
Rewards at Walmart: Up to 6% cash back at Walmart.
Earn 6% cash back on two retailers you choose, including Walmart, on up to $1,500 in combined eligible purchases each quarter.
The highest rate of cash back available on Walmart purchases. Read our review.
Annual fee: $0 intro. annual fee for the first year, then $95.
U.S. Bank Altitude® Reserve Visa Infinite® Card: 3% cash back or 4.5% toward travel when you use mobile wallet tap-to-pay at Walmart in-store.
Learn how to apply.
Read more below.
Rewards at Walmart: 3x points, worth up to 4.5% toward travel when you use a mobile wallet to pay for Walmart purchases in-store.
The card earns excellent when you use your phone and tap-to-pay in-store, without having to set up a store-specific payment app. Read our review.
Annual fee: $400
Bank of America® Customized Cash Rewards credit card: 3% cash back or more at Walmart.com.
Learn how to apply.
Read more below.
Rewards at Walmart.com: 3% base cash back in one category you select each quarter, including online shopping.
You’ll earn up to 5.25% cash back (3% base cash back, plus a 1.75x rewards multiplier) if you have Preferred Rewards with Platinum Honors. The 3% and 2% rewards on this card are capped at a combined $2,500 of spending each quarter.
Great choice if you have Preferred Rewards with Platinum Honors with Bank of America. Read our review.
Annual fee: $0
Blue Cash Everyday® Card from American Express: Up to 3% cash back for U.S. online retail purchases, including Walmart.com
Read more below.
Rewards at Walmart.com: 3% cash back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
Good option for Walmart.com and other U.S. online retailers with no annual fee. Read our review.
Annual fee: $0 (See Rates and Fees)
Our recommendations for the best Walmart credit cards
For many of your purchases at Walmart, you’ll want both decent rewards and good consumer insurance protections like extended warranty. Here are our hand-picked recommendations that take into account both of these things.
The best credit cards to use at Walmart
- The Capital One Walmart Rewards® Card is hard to beat. For most Walmart shoppers, this card is our recommendation because it offers excellent rewards and the simplicity of a card with no annual fee. It also offers an extended warranty benefit.
- The U.S. Bank Altitude® Reserve Visa Infinite® Card becomes better than Walmart’s own credit card if you spend a lot in-store at Walmart and travel enough to take advantage of the perks and benefits of the Altitude Reserve card. Like the Walmart Rewards card, the card offer an extended warranty benefit.
The best Walmart credit cards for rewards
Here are some more details on the best credit cards to use at Walmart.
Capital One Walmart Rewards® Card: 5% cash back at Walmart.com and Extended warranty
The Capital One Walmart Rewards® Card offers both an excellent rate of cash back at Walmart and an extended warranty benefit that can double your manufacturer’s warranty, up to an additional two years.
Use the card for all of your purchases at Walmart.com. You can also get 5% cash back in stores when you shop with Walmart Pay in your first year of having the card.
Capital One and Walmart recently announced that their retail partnership is ending, meaning that the Walmart Rewards Card will eventually go away or be issued by another bank. But for the moment, you can still get the card.
Annual fee: $0
This is a direct bank link. All information about the Capital OneWalmart Rewards®Card has been collected independently by cardsandpoints.com.
Capital OneWalmart Rewards®Card
The Capital One Walmart Rewards card offers no traditional welcome bonus, but it does offer 5% cash back in Walmart stores for the first 12 months when you use Walmart Pay.
The lack of a welcome bonus on this card is disappointing, considering that other retailers cards usually offer at least some welcome bonus.
More about this card
Benefit highlights:
Capital One doesn’t promote the benefits of the Walmart Rewards®Card, but the card will come with a suite of benefits depending on whether Capital One issues the card as a World Mastercard or a World Elite Mastercard.
Cards issued as World Mastercards should include: Purchase assurance, price protection, and extended warranty.
Cards issued as World Elite Mastercards should also include: Cellular wireless telephone protection, MasterRental coverage, Worldwide automatic travel accident, baggage delay and trip cancellation/interruption insurance, and lost/damaged luggage coverage.
The exact suite of benefits you receive will be detailed in the guide to benefits you receive with your card.
Rewards:
5% at Walmart.com, including pickup & delivery.
2% in Walmart stores & fuel stations.
2% at restaurants and on travel.
1% on other purchases.
Rewards are earned as cash back.
Learn more:
Learn more in our review of the Capital OneWalmart Rewards®Card.
U.S. Bank Shopper Cash Rewards®Visa Signature®Card: Up to 6% at Walmart
You can earn up to 6% cash back at Walmart with the U.S. Bank Shopper Cash Rewards®Visa Signature®Card if you select Walmart as one of the two retailers you can select for increased rewards.
With the Shopper Cash Rewards card, you’ll earn 6% cash back rewards on two retailers you choose, on up to $1,500 of purchases each quarter. That means you can earn 6% at Walmart and one additional retailer you choose.
If you spend more than about $2,500 a year in combined purchases at Walmart and the other retailer you select, you’ll come out ahead. Assuming your alternative card is a no-annual-fee 2% cash back rewards card, that’s the break-even point for rewards
Learn more about the card and see the list of eligible retailers in our review of the U.S. Bank Shopper Cash Rewards card.
Annual fee: $0 intro annual fee in the first year, then $95.
This is a direct bank link. All information about U.S. Bank Shopper Cash Rewards®Visa Signature®Card has been collected independently by cardsandpoints.com.
U.S. Bank Shopper Cash Rewards®Visa Signature®Card sign-up bonus
Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. And enjoy $0 annual fee the first year ($95/year thereafter).
The welcome bonus requires more spending than the best easy cash back welcome bonuses, but having 120 days to earn the bonus is nice.
More about this card
Benefit highlights:
Extended warranty protection.
Return protection.
Purchase security.
Rewards:
6% on your first $1,500 of combined eligible purchases at two select retailers you choose.
3% on your first $1,500 of eligible purchases in one select everyday category you choose.
1.5% on other eligible purchases.
Rewards are earned as cash back.
Learn more:
Learn more about the Shopper Cash Rewards in our review of the card.
U.S. Bank Altitude® Reserve Visa Infinite® Card: 3% cash back or 4.5% travel rewards when using mobile wallet in Walmart stores.
The U.S. Bank Altitude® Reserve Visa Infinite® Card probably isn’t on most Walmart shoppers’ short lists, but the card can earn you more rewards in-store at Walmart than any other credit card.
That’s because the card offers 3x points on every purchase made with Apple Pay®, Google Pay™, or Samsung Pay. You can use those points for cash back at 1 cent each. But if you redeem your points for travel, you can get 50% more value, making the Altitude Reserve effectively a 4.5% rewards card toward travel.
The card carries a hefty annual fee of $400, but you’ll get a statement credit for the first $325 of travel and dining purchases you charge to the card. Between the card’s rewards, excellent travel protections, included Priority Pass airport lounge visits, and other benefits, you’re very likely to get at least an additional $75 of value out of the card in a year.
Learn more about the card in our review of the U.S. Bank Altitude® Reserve Visa Infinite® Card.
Annual fee: $400
This is a direct bank link. All information about the U.S. Bank Altitude® Reserve Visa Infinite® Card has been collected independently by cardsandpoints.com.
U.S. Bank Altitude® Reserve Visa Infinite® Card sign-up bonus
Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in the first 90 days of account opening.
You can get a bigger welcome bonus with several other competing cards with similar annual fees.
More about this card
Benefit highlights:
$325 in annual statement credits for travel and dining purchases.
Primary auto rental collision damage waiver.
Trip cancellation and interruption insurance.
Trip delay reimbursem*nt.
Lost luggage reimbursem*nt.
Extended warranty.
Purchase security.
Return protection.
Rewards:
5x on prepaid hotels and car rentals booked with the Altitude Rewards Center.
3x on eligible travel purchases.
3x on mobile wallet purchases made with Apple Pay®, Google Pay™, and Samsung Pay.
1x on other eligible purchases.
Rewards are earned as points which can be redeemed for cash back at 1 cent apiece, or toward travel at 1.5 cents each.
Learn more:
Learn more about in our review of the Altitude Reserve.
Bank of America® Customized Cash Rewards credit card: Up to 5.25% cash back at Walmart.com + possibly Walmart Pay in-store?
The Bank of America® Customized Cash Rewards credit card offers up to 3% cash back on your choice of categories, including online shopping. This means you can get 3% with the card when you shop at Walmart.com.
The card’s rewards come with some caveats—you’ll only earn increased rewards on the first $2,500 of combined purchases each quarter across all of its bonus categories. Other purchases earn 1%. But there’s also some upside potential. If you qualify for Platinum Honors or higher status in Bank of America’s Preferred Rewards program, the 3% online shopping category becomes a 5.25% cash back category, thanks to the program’s rewards multiplier.
You might also be able to get 3% cash back (or 5.25% with Platinum Honors) when you use the card through Walmart Pay in-store. Walmart Pay apparently counts as an online purchase, according to the folks over at Reddit.
Learn more about Bank of America Preferred Rewards with Platinum Honors and check out our review of the Bank of America® Customized Cash Rewards credit card for more.
Annual fee: $0
This is a direct bank link. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com.
Bank of America® Customized Cash Rewards credit card sign-up bonus
$200 Online Bonus after making at least $1,000 in purchases in the first 90 days of account opening.
The bonus is about average for a card with no annual fee.
More about this card
Benefit highlights:
Extended warranty.
Rewards:
3% cash back in a select category of your choice: gas and EV charging stations, online shopping/cable/streaming/internet/phone plan, dining, travel, drug store/pharmacy, or home improvement/furnishings.
2% cash back at grocery stores and wholesale clubs.
Bonus rewards in 2% and 3% categories are limited to the first $2,500 in spending each quarter. Additional purchases earn 1% cash back
1% cash back on all other purchases.
Rewards get multiplied by up to 1.75x depending on your Bank of America Preferred Rewards status.
Learn more:
Learn more about the card in our review of the Customized Cash.
Read more about the Bank of America Preferred Rewards program.
Blue Cash Everyday® Card from American Express: Up to 3% on Walmart.com U.S. online retail purchases.
The Blue Cash Everyday® Card gives you 3% cash back on up to $6,000 of purchases at U.S. online retailers, with no annual fee. This means you can earn 3% cash back at Walmart.com.
In addition to rewards at Walmart.com, it might be possible to use the card to get increased rewards at Walmart in store. The folks at Reddit have figured out that using Walmart Pay in-store will also give 3% rewards on the Blue Cash Everyday.
The Blue Cash Everyday® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Everyday® Card for more on this card.
Frequently asked questions
Does the Walmart credit card get 5% in-store?
The Capital One Walmart Rewards® Card earns 5% on purchases in-store only if you use the card with Walmart Pay, and only for the first year you have the card.
Do store pick-up purchases earn 5% with the Walmart credit card?
Yes. The Capital One Walmart Rewards® Card earns 5% cash back rewards on all Walmart.com purchases, including purchases for in-store pick-up.
Aaron Hurd Aaron Hurd is a credit card, travel rewards, and loyalty program expert. Over the past 15 years, he has authored over a thousand expert contributions published by leading outlets including WSJ, TIME, Newsweek, Forbes, NerdWallet, The Points Guy, Bankrate, CNET, and many others. He has also served in consulting roles for many of these same outlets, designing content strategy, hiring teams of teams of editors and contributors, developing thought-leadership pieces, and ghost-editing for senior editors. Aaron is well-known in the miles and points community and regularly presents about travel rewards at conferences like the Chicago Seminars and Minnebar.Aaron has enjoyed the game of optimizing credit card rewards since getting his first credit card shortly after he turned 18. He started learning about credit cards and travel rewards from the (now defunct) FatWallet Finance forums and FlyerTalk. He holds more than 40 open credit cards and has first-hand experience with almost every major credit card product.
