Frequent Walmart customers know the way a lot worth the retail big gives. Along with getting nice costs on every thing from groceries and family items to clothes and electronics, you may earn money again and different advantages once you store at Walmart utilizing numerous rewards bank cards.
On this submit, we discover the very best rewards bank cards for Walmart spending and present you learn how to mix these playing cards with on-line buying portals to additional increase your earnings.
One of the best bank cards for Walmart buying
The next six rewards playing cards are at the moment the very best choices for Walmart purchases, because of incomes bonuses and assertion credit:
The data for the U.S Financial institution Shopper Money Rewards Visa Signature Card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
OnePay CashRewards Card
Advantages at Walmart: The OnePay CashRewards Card earns 5% money again on Walmart purchases (on-line or in-store) when you’re a Walmart+ member. Should you aren’t a Walmart+ member, you will earn 3% again on Walmart purchases.
Annual charge: $0.
Present welcome provide: Earn $35 money again after spending $75 on purchases inside 30 days of card opening.
Standout perks: The OnePay CashRewards Card is a unbelievable choice for Walmart devotees, because it earns bonus rewards once you store with the retailer. It is particularly advantageous for Walmart+ members, who obtain 5% again on Walmart purchases, versus the three% fee non-Walmart+ members obtain.
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Exterior of Walmart, the OnePay CashRewards Card earns 1.5% money again on all different purchases.
The cardboard earns limitless money again within the type of OnePay factors, which will be redeemed for money again right into a OnePay Money account or as a press release credit score.
To study extra, learn our full assessment of the OnePay CashRewards Card.
Apply right here: OnePay CashRewards Card
American Categorical Platinum Card
Advantages at Walmart: The Amex Platinum gives as much as $155 in assertion credit per calendar 12 months (as much as $12.95 plus taxes and costs on one membership charge) towards the month-to-month price of Walmart+, a membership program that gives free grocery supply (on orders of $35 or extra), free delivery, reductions on gasoline, free entry to Paramount+ or Peacock and extra. (Plus Ups are excluded; topic to auto-renewal; enrollment is required, and separate enrollment is required for Paramount+ or Peacock.)
The membership usually prices $12.95 month-to-month, plus any native gross sales tax, so the Amex Platinum assertion credit equate to a complimentary membership.
Annual charge: $895 (see charges and costs).
Present welcome provide: Discover out your provide and see if you’re eligible for as excessive as 175,000 bonus factors after spending $8,000 on purchases inside the first six months of card membership. Welcome gives fluctuate, and also you will not be eligible for a suggestion.
As a result of TPG’s September 2025 valuations deem American Categorical Membership Rewards factors as value 2 cents every, this welcome provide is value as much as $3,500.
Standout perks: This card can be loaded with a number of assertion credit. Listed below are just a few to know:
- Obtain as much as $400 in assertion credit for purchases at U.S. Resy eating places every calendar 12 months. This credit score is damaged down into 4 as much as $100 quarterly assertion credit. To make use of the credit score, all it’s a must to do is dine at a taking part U.S. Resy restaurant (or make different eligible Resy purchases) and pay with an Amex Platinum Card. No reservation is required.
- Obtain as much as $600 every calendar 12 months in assertion credit (as much as $300 semiannually) for pay as you go American Categorical High-quality Inns + Resorts or The Lodge Assortment bookings with American Categorical Journey® once you pay along with your Amex Platinum (a minimal two-night keep is required for The Lodge Assortment).
- Obtain as much as $200 every calendar 12 months in assertion credit for incidental charges charged by one airline you choose.
- Obtain as much as $200 in Uber Money for U.S. companies per calendar 12 months, break up into month-to-month as much as $15 credit (with an as much as $20 bonus in December). Your Amex Platinum Card have to be added to your Uber account, and you may redeem with any Amex card.
Observe that enrollment is required for choose advantages.
To study extra, learn our full assessment of the Amex Platinum.
Apply right here: American Categorical Platinum Card
Chase Freedom Flex
Advantages at Walmart: The Chase Freedom Flex gives rotating 5% bonus classes every calendar quarter you activate (as much as $1,500 in purchases). Walmart is usually included within the collection of bonus classes every year.
Annual charge: $0.
Present welcome provide: Earn $200 money again after spending $500 on purchases inside the first three months of account opening.
Standout perks: This no-annual-fee card gives cellphone safety once you use it to pay your month-to-month invoice. You may obtain $800 in protection per declare for theft or injury (as much as two claims and as much as $1,000 complete in a 12-month interval). You could have to pay a $50 deductible per declare, which is considerably decrease than different playing cards providing telephone safety.
To study extra, learn our full assessment of the Chase Freedom Flex.
Apply right here: Chase Freedom Flex
Capital One Enterprise Rewards Credit score Card
Advantages at Walmart: The Capital One Enterprise Rewards card gives an infinite 2 miles per greenback spent on all purchases, together with at Walmart — an incredible choice when you choose a low-annual-fee card with out many bells and whistles.
Annual charge: $95.
Present welcome provide: Earn 75,000 bonus miles after spending $4,000 on purchases inside the first three months of account opening.
Standout perks: Other than receiving an infinite 2 miles per greenback spent on all purchases, you will earn an infinite 5 miles per greenback spent on lodges, trip leases and rental vehicles booked by way of Capital One Journey, plus no international transaction charges and as much as a $120 credit score for World Entry or TSA PreCheck.
To study extra, learn our full assessment of the Capital One Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Citi Double Money Card
Advantages at Walmart: Earn an infinite 2% money again on all purchases (1% money again as you purchase and 1% once you pay).
Annual charge: $0.
Present welcome provide: Earn $200 money again after spending $1,500 inside the first six months of account opening.
Standout perks: You will not discover many further perks with this no-annual-fee card. Nevertheless, when you’re on the lookout for a easy choice to spice up money again, the Citi Double Money is a strong alternative.
To study extra, learn our full assessment of the Citi Double Money.
Apply right here: Citi Double Money Card
U.S. Financial institution Shopper Money Rewards Visa Signature Card
Rewards at Walmart: Earn 6% money again at two retailers of your alternative, on as much as $1,500 of eligible spending every quarter. Walmart is an included retailer.
Annual charge: $0 for the primary 12 months, then $95.
Present welcome provide: Earn a $250 bonus after spending $2,000 on eligible purchases inside the first 120 days of account opening.
Standout perks: You may select two retailers to earn 6% money again on as much as $1,500. Other than Walmart, notable eligible retailers embody Amazon, Apple, Goal and Wayfair.
Moreover, you will earn 3% money again as much as $1,500 spent in an on a regular basis class of your selecting and 1.5% again on all different purchases.
Associated: One of the best cash-back bank cards so as to add to your pockets
How to decide on a bank card for Walmart purchases
When selecting a bank card for Walmart purchases, you will need to contemplate the bonus earnings classes on the cardboard and whether or not the cardboard issuer codes Walmart as a reduction/warehouse/wholesale retailer or a grocery retailer/grocery store/bakery.
This may make an enormous distinction, as playing cards with bonus earnings within the grocery class typically put Walmart within the low cost shops or department shops class, which doesn’t code as grocery. Due to this, you is likely to be higher off with a flat-rate card.
Find out how to apply for a bank card that’s good for Walmart purchases
You’d comply with the identical course of to apply for a bank card with bonus rewards at Walmart as some other bank card. Earlier than making use of, you need to guarantee your credit score rating is inside the vital vary and collect any revenue info wanted for the applying.
It’s value noting that within the case of the OnePay CashRewards Card you may see when you’re prequalified for the cardboard, in line with info OnePay has shared with TPG. This would possibly not have an effect on your credit score rating earlier than you apply.
You may apply for in style Walmart bank cards through the use of the apply hyperlinks all through this text.
Associated: Find out how to examine your credit score rating at no cost
Maximizing bank cards at Walmart
Purchasing portals resembling Rakuten may help you save much more cash once you store. Here is how they work.
Once you log in, you obtain cash-back gives for particular retailers like Walmart. Once you click on on a suggestion that pursuits you, you are redirected to the product owner’s web site. The portal will monitor your spending and reward you with money again when it acknowledges that you have made a purchase order.
Purchasing portals are helpful as a result of they assist you to earn rewards from a number of sources. You may earn bonus factors or money again from the portal along with bank card rewards.
For instance, Rakuten normally gives round 2% money again for each greenback spent in sure classes with Walmart, although this might enhance or lower with out warning. You would mix this money again along with your bank card bonuses for important financial savings.
You may as well use a buying portal aggregator like Cashback Monitor to search out excessive returns.
Associated: How one can simply earn Amex factors with Rakuten
Regularly requested questions
What credit score rating is required for bank cards which can be good to make use of at Walmart?
The place can I exploit bank cards which can be additionally good for Walmart purchases?
Bank cards that earn bonus rewards at Walmart can be utilized wherever the playing cards are accepted.
Can I get money again on a bank card that I exploit at Walmart?
You want a cash-back bank card to earn money again in your Walmart bank card. Observe that some Walmart playing cards earn reward factors as an alternative of money again.
Can I exploit my Sam’s Membership bank card at Walmart?
You probably have a Sam’s Membership bank card, you should use it at Walmart and wherever else Mastercard bank cards are accepted.
The data for the Sam’s Membership bank card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Backside line
Should you regularly store at Walmart, utilizing one of many above playing cards may help you lower your expenses and maximize bonus earnings. These playing cards provide an incredible return at Walmart, however you may earn much more by stacking these returns with a web-based buying portal.
Associated: Walmart Money rewards program: Find out how to earn ‘money,’ save in your invoice and revel in perks
For charges and costs of the Amex Platinum, click on right here.
