The Walmart Credit card offers cash back on every purchase, with bonus earn rates when shopping at Walmart and It also has no annual or foreign exchange fees, saving even more money.

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Extended Warranty 1 year
Travel Accident $100,000

Please review your insurance certificate for details, exclusions and limitations of your coverage.

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Walmart credit card review

For the frequent Walmart shopper, the Walmart Rewards Card from Capital One offers great earn rates not only at Walmart, but everywhere you shop.

Here's everything this card has to offer.

Earning rewards with the Walmart credit card

With the Walmart credit card, you'll be earning cash back on every purchase you make.

You'll earn:

  • 5% cash back shopping at,
  • 2% cash back in store at Walmart, at restaurants, and on travel, and
  • 1% cash back on all other purchases.

How much can you earn? Here's what you could see per year, based on the following monthly spend:

  • $100 at,
  • $300 at Walmart,
  • $300 on restaurants and travel, and
  • $1,300 on all other purchases.
Walmart credit card annual rewards

Walmart credit card welcome bonus

There's also a great welcome bonus involved. For the first 12 months, you'll earn 5% cash back on purchases made in store at Walmart when you use Walmart Pay.

There's no limit to the size of the bonus you can receive either.

Walmart credit card benefits

So what other benefits does the Walmart Mastercard offer?

Here are a few other things this credit card brings to the table.

Plenty of ways to redeem your rewards

When it comes to actually using your rewards, you have plenty of redemption options.

You can choose from:

  • statement credits,
  • get a check,
  • cover a purchase during checkout at,
  • redeem for gift cards from Walmart or other retailers, and
  • redeem for flights, and other travel plans.

That's an extensive list of ways to get your rewards back in your hands.

No annual or foreign exchange fees

You'll also save on fees with this card.

First, there's no annual fee, leaving a little more money in your pocket every year.

And, there's also no foreign exchange fees to worry about. Save the typical 3% other credit cards charge when you make a purchase in foreign currencies.

Walmart credit card downsides

Is it perfect? Of course not. Here are a couple of other things to keep in mind.

Limited insurance coverage

When it comes to insurance coverage, there isn't much offered with this card.

You'll only get extended warranty and travel accident insurance.

It's better than nothing, but many other cards provide more than this.

The higher earn rates are limited

While the bonus earn rates are great, they also only apply to a limited amount of your purchases.

Unless you're a large user, shop frequently in-store at Walmart, eat out or travel a lot, most of your purchases will only be earning 1% cash back on your purchases.

Here's how the average earn rate compares to other top no fee cards, based on the $2,000 monthly spend profile we featured above.

Walmart credit card rate of return comparison

Even with $400 in combined Walmart spend, it still has lower rewards than some of the other top no fee cash back credit cards..

Spend less than that, and you're looking at less overall rewards on all your purchases.

No balance transfer offer

Many no fee cash back credit cards have balance transfer offers starting at 0% interest for 12 months. They're a great way to help save on credit card interest if you have some existing debt.

With the Walmart Mastercard however, there is no balance transfer offer, so this card won't be able to help with existing credit card debt.

Alternatives to the Walmart credit card

Looking for a different credit card than the Walmart Mastercard?

Here are some other no annual fee credit cards to consider. They also make great companion cards as well.

Credit CardWelcome BonusAnnual FeeEarn Rates
* 5% cash back on in-store Walmart purchases in the first year when you pay with Walmart Pay.$0* Earn 5% cash back at, including pickup and delivery.
* Earn 2% cash back in Walmart stores, restaurants, and on travel
* Earn 1% cash back everywhere else
* 20,000 bonus points when you spend $1,000 in your first 3 months
* 0% intro APR for 12 months on all purchases and balance transfers
$0* Earn 3 points per $1 spent on restaurants, gas, transit, travel, and streaming services
* Earn 1 point per $1 spent on all other purchases
* 0% intro APR for 18 months on balance transfers $0* 1% unlimited cash back on all purchases
* Another 1% cash back when you pay your bill on time
None$0* 2% unlimited cash back on all purchases
* Earn a $150 cash back bonus when you spend $500 in the first 3 months
* 0% intro APR for 15 months on purchases
$01.5% unlimited cash back on all purchases
* Earn a $200 cash back bonus after spending $500 in 3 months
* 0% intro APR on purchases for 15 months
$01.5% unlimited cash back on all purchases

Walmart credit card: FAQ

How do I apply for a Walmart credit card?

You can use our secure links at the top of the page to apply for this credit card. They'll take you to the issuer page where you can apply for the card.

How do I manage my Walmart credit card?

To manage your Walmart credit card, simply head to the Capital One credit card site, where you'll be able to login and manage your account.

What are the requirements of a Walmart credit card?

To apply for a Walmart credit card, you'll need to have reached the age of majority in your state, as well as be a resident of the United States.

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