Walmart Credit Card
The Capital One Walmart Rewards Mastercard is the closest thing to an official Walmart credit card. It earns 5% back on Walmart.com, 2% in stores and on gas, restaurants, and travel, and 1% everywhere else — with no annual fee.
Overview
The Walmart credit card is issued by Capital One as the Capital One Walmart Rewards Mastercard. It is designed for frequent Walmart shoppers who want automatic rewards on Walmart purchases without tracking rotating categories or activating quarterly bonuses.
Unlike a store-only card, this is a full Mastercard. That means it works at Walmart and everywhere else, making it a practical everyday rewards card even when you shop outside the store.
Rewards post as Capital One rewards and can be redeemed as a statement credit, a Walmart gift card, or applied directly at Walmart checkout. There is no annual fee, so the card costs nothing to keep if you pay your balance in full each month.
Key Benefits
5% back on Walmart.com and the Walmart app
Earn 5% cash back on Walmart.com purchases, including grocery pickup and delivery orders placed through the app. This is the highest ongoing rate available for online Walmart shopping.
2% back in stores, gas, restaurants, and travel
Use the card inside Walmart stores, at Murphy USA and Walmart gas stations, and for restaurant and travel purchases to earn 2% back with no activation required.
1% back everywhere else Mastercard is accepted
Every other purchase earns a flat 1% back, making the Walmart credit card useful even when you're not shopping at Walmart.
No annual fee
The Capital One Walmart Rewards Mastercard has no annual fee, so the rewards you earn are not offset by a yearly charge.
Introductory 5% in-store rate with Walmart Pay
For the first 12 months, pay with Walmart Pay in-store to earn 5% back on in-store purchases before the rate drops to 2%.
Flexible redemption options
Redeem rewards as a statement credit, a Walmart gift card, or directly at Walmart checkout during online or in-store purchases.
How the Walmart Credit Card Compares
| Purchase Type | Cash Back Rate | Notes |
|---|---|---|
| Walmart.com & Walmart app | 5% | Includes grocery pickup and delivery |
| In-store Walmart (first 12 months with Walmart Pay) | 5% | Introductory rate |
| In-store Walmart (after intro) | 2% | Standard in-store rate |
| Gas, restaurants, travel | 2% | Everyday bonus categories |
| All other purchases | 1% | Anywhere Mastercard is accepted |
Stack It With Other Cashback Methods
The Walmart credit card is a strong foundation, but it works even better when stacked with other cashback strategies. Browse related methods to maximize every Walmart trip.
Frequently Asked Questions
What credit score do I need for the Walmart credit card?
The Capital One Walmart Rewards Mastercard typically requires good to excellent credit. Applicants with scores in the mid-600s and above are more likely to be approved, but income, debt, and other factors also matter.
Does the Walmart credit card work outside Walmart?
Yes. It is a Mastercard, so it is accepted anywhere Mastercard is accepted. You will earn 2% back at restaurants and travel merchants and 1% back on all other non-Walmart purchases.
Can I use the Walmart credit card with cashback portals?
Yes. Pay through a cashback portal with your Walmart credit card to stack portal rewards on top of the card's 5% online rate, as long as the portal's terms allow it.
Is the Walmart credit card the same as a Walmart store card?
No. The Capital One Walmart Rewards Mastercard can be used anywhere Mastercard is accepted. A closed-loop Walmart store card can only be used at Walmart-owned locations.
Want the Full Comparison?
See every way to earn cash back at Walmart — credit cards, portals, receipt apps, gift cards, and rotating categories — side by side.