- Up to 6% cash back at Walmart and other retailer of your choice.
- 3% cash back in another preferred category.
- $300 sign-up bonus.
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In May 2024, Capital One and Walmart announced they were ending the partnership that made Capital One the exclusive issuer of Walmart credit cards. The partnership started in 2019 and resulted in two popular Walmart cards: the Capital One Walmart Rewards Card (valid anywhere Mastercard is accepted) and the Walmart Rewards Card (exclusively for purchases at Walmart).
Current Walmart cardholders can continue to use their credit cards as they had previously—and still earn rewards. However, if you don’t already have a Walmart credit card through Capital One, you won’t be able to open one. So what’s the best credit card for frequent Walmart shoppers now that Capital One’s partnership has ended? We’ll explore the best options below.
Looking for a credit card to use when shopping at Walmart in-store or online? One of these six cards will do the trick.
The U.S. Bank Shopper Cash Rewards® Visa Signature® Card lets you choose two retailers per quarter for 6% cash back (on the first 1,500 in combined purchases for that quarter). That means you can choose Walmart and one other preferred retailer every quarter and earn up to 90 cash back—for $360 cash back a year.
That’s more than enough to pay the card’s 95 annual fee and still make some serious money. Plus, you’ll get 3% cash back (on 1,500 in purchases per quarter) in one other category, including wholesale clubs, gas and EV charging stations, or bills and utilities), and 1.5% cash back on everything else.
That means, even if you choose two other retailers in a given quarter, you’d earn 1.5% cash back on all Walmart purchases with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, at the very least.
Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
Choose two retailers per quarter for 6% cash back
3% cash back n one other category, including wholesale clubs, gas and EV charging stations, or bills and utilities
1.5% cash back on everything else
Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center
Pay over time with a U.S. Bank ExtendPay® Plan
Pay over time with a U.S. Bank ExtendPay® Plan (get your cash back as a statement credit, a rewards card, merchant gift cards or direct deposit)
Annual fee: $95 ($0 intro year)
Balance transfer fee:
Cash advance fee:
Foreign transaction fee:
If you want a card that rewards your spending at Walmart, but you also have plenty of other retailers you shop with, you may find the Chase Freedom Flex® Credit Card more suited to your needs. Each quarter, the Freedom Flex has a rotating bonus category, and you’ll earn 5% cash back (up to $1,500 in the category).
The last time Walmart was one of the eligible categories was Q4 2022—and that’s the gamble with this card. You never know what category will be selected. Chase doesn’t announce the bonus category for a specific quarter until half a month before that quarter begins.
That said, you can expect great rewards categories every quarter, with 5% cash back on purchases such as gas and EV charging, Amazon, dining, travel, groceries, gym memberships, and more.
But even if you don’t love a specific quarter’s 5% category, there’s still reason enough to keep this one in your wallet. You’ll always earn:
That means the Chase Freedom Flex® Credit Card isn’t just good for Walmart spending—it’s good for all kinds of spending throughout the year. Plus, there’s no annual fee.
The Citi Double Cash® Credit Card is straightforward—no rotating bonuses, no limits on cash back per quarter, and no annual fee. You’ll earn 1% cash back on all purchases, including at Walmart, and you’ll earn another 1% cash back once you’ve paid off that purchase.
This is great for Walmart shoppers for multiple reasons: Rather than incentivize you to spend more in a given quarter, it simply rewards you for doing the normal weekly or monthly shopping you’d do at Walmart. On top of that, it motivates you to pay off your credit card quickly—before the high interest rate starts to kick in.
And because the Citi Double Cash® Credit Card is available to fair-credit borrowers, this secondary 1% cash back as you pay can be an important incentive. Paying off your credit card in full every month to maximize your cash back payout means your credit score could improve through lower credit utilization and on-time payments.
If you want a simple credit card for all your Walmart purchases, there’s nothing easier than the Capital One Quicksilver Cash Rewards Credit Card. You’ll earn a 1.5% flat cash back rate on everything at Walmart—and everywhere else.
You don’t have to worry about rotating bonus categories, and, unlike the Double Cash card, you don’t have to worry about paying off the card to take full advantage of the rewards rate.
The Capital One Quicksilver is one of the best cash back credit cards for beginners. It really helps you learn the ropes of credit card rewards, though you may eventually want to graduate to a tiered rewards credit card that can offer you better earnings at Walmart and other retailers.
Introductory Offer:
Card Rewards:
Member FDIC
The American Express Blue Cash Everyday® Card is a great card to have for groceries and gas. You’ll earn 3% cash back on each, on up to $6,000 in purchases a year, and there’s no annual fee. The catch? Walmart doesn’t qualify as a grocery store, even if that’s where you purchase your food.
So why include it as a best credit card for Walmart? Because Blue Cash Everyday also offers 3% cash back on U.S. online retail purchases, up to 6,000, and that includes Walmart. If you do a lot of online shopping (via Walmart, Amazon.com, or any other retailer), you could earn up to 180 a year in cash back from online purchases—plus more cash back from other categories.
This Amex card also comes with plenty of other, non-Walmart benefits. Our favorite? The annual 84 Disney Bundle credit (that’s 7 back each month for streaming services such as Disney+, ESPN, and/or Hulu, as long as your bill is $9.99 a month or greater).
Introductory Offer:
Card Rewards:
Additional Benefits:
Terms Apply.
Fees:
If you have bad credit—or no credit history at all—you aren’t left out of cash back rewards at Walmart. The Chase Freedom Rise® Credit Card is available to consumers at the beginning of their credit journey and those who need to repair their credit.
While there’s no sizable bonus, you can earn $25 if you enroll in automatic payments. There’s no annual fee, and you’ll be able to track your credit score within the Chase app.
And the best part? You’ll earn 1.5% cash back on all purchases, including at Walmart.
Card Benefits:
Member FDIC
To determine the best credit cards for Walmart, we analyzed hundreds of credit cards. We prioritized cards with no or low annual fees that were relatively accessible to shoppers with good credit. To mimic the retired Capital One® Walmart Rewards® Card, we focused primarily on cash back credit cards that would pay out a notable rate for shopping specifically at Walmart.
Shop at Walmart regularly and want a credit card that rewards your spending? Here’s how to choose the best Walmart credit card for you:
Do you use Walmart for just about every purchase, or do you shop at Walmart for some items but other stores (supermarkets, Amazon.com, clothing stores, hardware stores) for other items?
If you’re all-in on Walmart, choose a credit card that doesn’t leave Walmart out of its highest rewards rates. If you shop more flexibly, think about all the different rewards categories you might benefit from.
Some credit cards reward you more for in-store spending at Walmart. Others are designed for online shoppers. Consider your shopping habits before settling on a specific card.
Some cards that are good for Walmart may have higher rewards rates but annual fees. Others may pay out less cash back but have no yearly payment. Do the math to figure out which is the better deal based on your spending habits.
Also keep in mind that most flat-rate cash back credit cards have no spending limits. Tiered credit cards with better cash back rates usually have a max amount you can earn in a quarter or year for that spend category.
Want the greatest savings when shopping at Walmart? Here’s what you need to know about the discontinued rewards card and the still-running Walmart Rewards perk for Walmart+ members.
On May 24, 2024, Capital One and Walmart announced they were ending a five-year partnership that had made Capital One the exclusive issuer of credit cards for Walmart. To date, Walmart has not announced a new credit card partner. Capital One will still service existing cardholders’ accounts, and cards already issued will still earn rewards as they always did.
If you opened a Walmart credit card through Capital One before the partnership was discontinued, you can continue to use the Walmart Mastercard just as you always have. Until Walmart or Capital One says otherwise, you’ll earn 5% cash back on Walmart.com and 2% cash back in Walmart stores and fuel stations, as well as at restaurants and on travel.
If Capital One and Walmart eventually announce the card will no longer earn rewards, we recommend switching to one of the best credit cards for Walmart featured above. However, it’s a good idea to keep the Capital One card open—and simply not use it. This will help your credit score in several ways:
Walmart Rewards are available to Walmart+ members. You don’t need a specific credit card to take advantage of them. Instead, you’ll log in to your Walmart+ account online or through the app, search for bestselling items that are eligible for rewards, and add the reward item to your account.
You’ll earn the rewards when you purchase the item—online or in-store—and can bank those rewards to reduce the price of future purchases.
The discontinuation of the Capital One Walmart Rewards Card means regular Walmart shoppers no longer have access to a store-specific rewards credit card, but that doesn’t mean you’re out of luck. Several cash-back credit cards are ideal for shopping at Walmart, both in-person and online. These cards also offer benefits at other stores, as well as restaurants, gas stations, and other common expense categories.
Walmart+ members can earn Walmart Rewards when purchasing specific items online or in the store. To earn the rewards, members must pre-select those items online or in the app.
In the press release announcing that Walmart and Capital One would no longer partner on credit cards, the two brands did not give a reason for the dissolution. As of now, Capital One is still servicing the existing credit cards, and cardholders will continue to earn the same rewards.
While Walmart and Capital One have ended their partnership, existing Capital One® Walmart Rewards® Card members can continue to collect cash back at this time. In addition, Walmart+ members can earn Walmart Rewards by purchasing specific items they’ve selected online or in the app.
The information related to Citi Double Cash® Card has been collected by TIME Stamped and has not been reviewed or provided by the issuer or provider of this product or service.
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