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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

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Best Credit Cards for Walmart in 2022

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

It’s only a slight exaggeration to say Walmart is everywhere, considering the retail corporation operates about 10,500 stores under 46 banners in 24 countries. Whether you need food, medication or virtually anything else, chances are you can find it at Walmart. And with the right credit card, you can earn cash back on your Walmart shopping, too!

Through a review of cards available on LendingTree, as well as from top issuers, we’ve chosen six credit cards that can help you earn anywhere from 2% to 5% back at Walmart.

Walmart co-branded credit cards

Walmart offers two cash back credit cards issued by Capital One. The first is a Mastercard and can be used anywhere Mastercard is accepted, while the second is a store card that can only be used at Walmart and Sam’s Club locations. Here’s what each Walmart card offers:

Capital One® Walmart Rewards® Card

Why we like this card: Earn 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted.

There’s also a sign-up bonus: 5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay.

Cash back can be redeemed as checks, statement credits, gift cards, to cover purchases at Walmart.com, for previous purchases or toward travel including flights, hotels and more.

What to watch out for: Because the highest cash back rate is only available for purchases made in physical stores during the first 12 months, it’s best to shop at Walmart.com or in the Walmart app after that time.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: $0
  • Regular purchase APR: 17.99%, 23.24% or 26.99% variable

 

Walmart Rewards Card

Why we like this card: Earn 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations. 1% back at Sam's Club and Sam's Club gas stations.

This card is very similar to the Capital One® Walmart Rewards® Card; however, it can only be used to make purchases at Walmart.

The Walmart Rewards Card offers a sign-up bonus, too: 5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay.

Redemption options include checks, statement credits, gift cards and covering Walmart.com purchases.

What to watch out for: Like the co-branded Walmart card, this one will earn just 2% back on purchases in physical stores after the first year. Shop instead on Walmart.com and the app.

Also, this card has one very high APR rather than an APR range based on your creditworthiness. If you pay off your card in full to avoid incurring interest, it shouldn’t be a problem — but cardholders who roll over a balance may face expensive interest charges.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: N/A
  • Regular purchase APR: 26.99% variable

Rotating cash back credit cards

The Chase Freedom Flex℠ and the Discover it® Cash Back are two popular cash back cards with rotating categories that must be activated each quarter. Both cards have at some point offered Walmart purchases as a cash back category. Here’s what the two cards have to offer:

Chase Freedom Flex℠

| Disclosures
Chase Freedom Flex℠
Chase Freedom Flex℠
on Chase's secure site
0% Intro APR on Purchases for 15 months
17.99% - 26.74% Variable
$0
5% cash back on up to $1,500 in combined purchases in bonus
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.99% - 26.74%.
  • No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
680 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Why we like this card: You’d be hard-pressed to find a $0-annual-fee card with more varied and generous rewards than the Chase Freedom Flex℠.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

There’s also a generous sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

You can redeem cash back for statement credits, direct deposits into a bank account, shopping with points at Amazon and travel bookings through the Chase Ultimate Rewards® portal.

What to watch out for: To receive the highest cash back rate, you must activate the bonus category each quarter.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: 3% of each transaction in U.S. dollars
  • 0% Intro APR on Purchases for 15 months. After, a 17.99% - 26.74% Variable APR applies
  • 0% Intro APR on Balance Transfers for 15 months. After, a 17.99% - 26.74% variable APR applies

 

Discover it® Cash Back

| Disclosures
Discover it® Cash Back
Discover it® Cash Back
on Discover's secure site
0% Intro APR for 15 months
15.74% - 26.74% Variable APR
$0
5% cash back on everyday purchases at different places each quarter like
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • Every $1 you earn in cash back is $1 you can redeem.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness.
  • No annual fee.
  • Click "Apply Now" to see terms and conditions.
720 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


Why we like this card: Get 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically. Note, you can only earn the 5% rate on the first $1,500 each quarter. After that, the earning rate will drop to 1% back.

This card offers a sign-up bonus for new cardmembers: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.

Cash back can be redeemed as statement credits, deposits into a bank account, gift cards, paying with rewards on Amazon and PayPal, and charitable donations.

What to watch out for: You must activate the bonus category each quarter to earn the highest cash back rate on those purchases.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: None
  • An introductory APR of 0% Intro APR for 15 months on purchases, then a regular APR of 15.74% - 26.74% Variable APR will apply

 

Flat-rate cash back credit cards

Walmart shoppers who prefer not to spend time optimizing rewards and activating categories may prefer a card that earns a flat rate on every purchase:

Citi® Double Cash Card – 18 month BT offer

| Disclosures
Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
on Citibank's secure site
N/A
17.74% - 27.74% (Variable)
$0
Earn 2% on every purchase with unlimited 1% cash back when you
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
660 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

Why we like this card: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back can be redeemed as statement credits, direct deposits, checks or converted to Citi ThankYou® Points.

What to watch out for: You’ll get half your cash back when you make a purchase and the other half when you pay it down. However, as long as you make at least the minimum payment each month, you can earn the second half.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: 3%
  • An intro APR of 0% for 18 months on Balance Transfers. Once the intro period ends, the APR goes to 17.74% - 27.74% (Variable).

 

PayPal Cashback Mastercard®

Why we like this card: If you want a flat-rate card that earns 2% back upfront, the PayPal Cashback Mastercard® is a solid option. You can redeem cash back into your PayPal account.

What to watch out for: You must have a PayPal account to get this credit card.

More card details:

  • Annual fee: $0
  • Foreign transaction fee: 2.5%
  • Regular purchase APR: "17.99% for Account Type 1 or 26.99% for Account Type 2 or 29.99% for Account Type 3"

 

Methodology

To select the best credit card for Walmart, our credit card experts compared cards on LendingTree.com and issuer sites that offer rewards on purchases made at the retailer. We chose our top picks based on a variety of factors, including the each card’s annual fee, interest rate, rewards program and more.

The information related to the Capital One® Walmart Rewards® Card, Walmart Rewards Card and PayPal Cashback Mastercard® has been independently collected by LendingTree and has not been reviewed or provided by the issuer of these cards prior to publication.

 

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