It turns out Walmart does have a credit card, backed by the power of Capital One. If you frequently shop at Walmart and like to earn extra rewards, the Capital One Walmart Rewards Mastercard could be the right fit for you. For more of our expert picks, check out our picks for the best store cards for shoppers, the best rewards credit cards, and the best credit cards for groceries.
APR is 17.99% or 29.49% variableIntroductory 5% cash back rewards for Walmart Pay orders5% cash back for Walmart.com purchases2% cash back on restaurants and travelAll other purchases earn 1%There is no annual fee Rewards can be redeemed for cash, a Capital One Walmart Rewards Card, or a statement credit. Gift cards and travel are also available for rewards redemption.
Capital One kicks off the rewards for its Capital One Walmart Rewards Mastercard with an introductory offer. You can earn 5% cash back for the first year that you have the card when you use Walmart Pay. You also earn 5% cash back when you shop on Walmart.com or the Walmart app, regardless of whether you shop in-store, pick up your groceries, or have them delivered. Other purchases receive cash back, too, with 2% cash back on dining and travel, while 1% cash back applies to all other purchases. Rewards can be redeemed in a number of ways, including a check, a statement credit, or travel reward. You may also receive a gift card that you can redeem at Walmart or another retailer. Even better, there is no annual fee. The variable APR ranges from 17.99% or 29.49%, depending on creditworthiness, with good to excellent credit required. If you are a Walmart customer, this is a card that will reward you handsomely for your purchases. Its APR is high but that is offset by the lack of an annual fee. The reward structure is varied but truly best for the Walmart shopper, as the best rewards are reserved for Walmart purchases.
Are a regular Walmart shopperWant dining rewardsHave good credit
Capital One also includes $0 fraud liability, so you are not liable should your card become lost or stolen. Any fraudulent purchases will not be your responsibility to pay. In order to earn the introductory bonus, Walmart Pay is required. This means that you will have to download the app. If you are not comfortable with using a mobile payment system for your Walmart purchases, this may not be the best bet for you. There are also other ways to receive support:
Capital One’s digital assistant: EnoFraud protection: 1-800-427-9428 / 1-800-239-7054Online banking support: 1-866-750-0873Phone customer support: 1-800-CAPITAL (1-800-227-4825)International callers: Collect call support
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