Frequent Walmart customers know the way a lot worth the retail large affords. Along with getting nice costs on the whole lot from groceries and family items to clothes and electronics, you possibly can earn money again and different advantages if you store at Walmart utilizing varied rewards bank cards.
On this put up, we discover the most effective rewards bank cards for Walmart spending and present you find out how to mix these playing cards with on-line buying portals to additional increase your earnings.
The most effective bank cards for Walmart buying
The next six rewards playing cards are at present the most effective choices for Walmart purchases, because of incomes bonuses and assertion credit:
The knowledge 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 supplied 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) if you happen to’re a Walmart+ member. If you happen to aren’t a Walmart+ member, you may earn 3% again on Walmart purchases.
Annual price: $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 improbable possibility for Walmart devotees, because it earns bonus rewards if you store with the retailer. It is particularly advantageous for Walmart+ members, who obtain 5% again on Walmart purchases, versus the three% charge non-Walmart+ members obtain.
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Outdoors 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 be taught extra, learn our full overview of the OnePay CashRewards Card.
Apply right here: OnePay CashRewards Card
American Categorical Platinum Card
Advantages at Walmart: The Amex Platinum affords as much as $155 in assertion credit per calendar 12 months (as much as $12.95 plus taxes and costs on one membership price) towards the month-to-month price of Walmart+, a membership program that gives free grocery supply (on orders of $35 or extra), free transport, reductions on fuel, 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 price: $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 throughout the first six months of card membership. Welcome affords fluctuate, and also you will not be eligible for a proposal.
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 here are a couple of 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 Accommodations + Resorts or The Lodge Assortment bookings with American Categorical Journey® if you pay together 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. providers 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 should be added to your Uber account, and you’ll redeem with any Amex card.
Observe that enrollment is required for choose advantages.
To be taught extra, learn our full overview of the Amex Platinum.
Apply right here: American Categorical Platinum Card
Chase Freedom Flex
Advantages at Walmart: The Chase Freedom Flex affords rotating 5% bonus classes every calendar quarter you activate (as much as $1,500 in purchases). Walmart is usually included within the choice of bonus classes annually.
Annual price: $0.
Present welcome provide: Earn $200 money again after spending $500 on purchases throughout the first three months of account opening.
Standout perks: This no-annual-fee card affords cellphone safety if you use it to pay your month-to-month invoice. You may obtain $800 in protection per declare for theft or harm (as much as two claims and as much as $1,000 whole in a 12-month interval). You will have to pay a $50 deductible per declare, which is considerably decrease than different playing cards providing cellphone safety.
To be taught extra, learn our full overview 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 affords a vast 2 miles per greenback spent on all purchases, together with at Walmart — an amazing possibility if you happen to favor a low-annual-fee card with out many bells and whistles.
Annual price: $95.
Present welcome provide: Earn 75,000 bonus miles after spending $4,000 on purchases throughout the first three months of account opening.
Standout perks: Other than receiving a vast 2 miles per greenback spent on all purchases, you may earn a vast 5 miles per greenback spent on resorts, trip leases and rental automobiles booked by way of Capital One Journey, plus no international transaction charges and as much as a $120 credit score for International Entry or TSA PreCheck.
To be taught extra, learn our full overview of the Capital One Enterprise Rewards.
Be taught extra: Capital One Enterprise Rewards Credit score Card
Citi Double Money Card
Advantages at Walmart: Earn a vast 2% money again on all purchases (1% money again as you purchase and 1% if you pay).
Annual price: $0.
Present welcome provide: Earn $200 money again after spending $1,500 throughout the first six months of account opening.
Standout perks: You will not discover many further perks with this no-annual-fee card. Nonetheless, if you happen to’re in search of a easy possibility to spice up money again, the Citi Double Money is a strong selection.
To be taught extra, learn our full overview 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 selection, on as much as $1,500 of eligible spending every quarter. Walmart is an included retailer.
Annual price: $0 for the primary 12 months, then $95.
Present welcome provide: Earn a $250 bonus after spending $2,000 on eligible purchases throughout the first 120 days of account opening.
Standout perks: You’ll be able to 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 may 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: The most effective 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 may wish 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 may be higher off with a flat-rate card.
The way to apply for a bank card that’s good for Walmart purchases
You’d observe the identical course of to apply for a bank card with bonus rewards at Walmart as another bank card. Earlier than making use of, you wish to guarantee your credit score rating is throughout the crucial vary and collect any earnings data wanted for the applying.
It’s value noting that within the case of the OnePay CashRewards Card you possibly can see if you happen to’re prequalified for the cardboard, in response to data OnePay has shared with TPG. This may not have an effect on your credit score rating earlier than you apply.
You’ll be able to apply for well-liked Walmart bank cards through the use of the apply hyperlinks all through this text.
Associated: The way to verify your credit score rating without cost
Maximizing bank cards at Walmart
Procuring portals corresponding to Rakuten may also help you save much more cash if you store. This is how they work.
If you log in, you obtain cash-back affords for particular retailers like Walmart. If you click on on a proposal that pursuits you, you are redirected to the product owner’s web site. The portal will observe your spending and reward you with money again when it acknowledges that you’ve got made a purchase order.
Procuring portals are useful as a result of they let you 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 affords round 2% money again for each greenback spent in sure classes with Walmart, although this might improve or lower with out warning. You possibly can mix this money again together with your bank card bonuses for vital financial savings.
You may also use a buying portal aggregator like Cashback Monitor to seek out excessive returns.
Associated: How one can simply earn Amex factors with Rakuten
Steadily requested questions
What credit score rating is required for bank cards which might be good to make use of at Walmart?
The place can I take advantage of bank cards which might be additionally good for Walmart purchases?
Bank cards that earn bonus rewards at Walmart can be utilized anyplace the playing cards are accepted.
Can I get money again on a bank card that I take advantage of 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 a substitute of money again.
Can I take advantage of my Sam’s Membership bank card at Walmart?
When you’ve got a Sam’s Membership bank card, you need to use it at Walmart and anyplace else Mastercard bank cards are accepted.
The knowledge 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 supplied by the cardboard issuer.
Backside line
If you happen to regularly store at Walmart, utilizing one of many above playing cards may also help you get monetary savings and maximize bonus earnings. These playing cards provide an amazing return at Walmart, however you possibly can earn much more by stacking these returns with a web based buying portal.
Associated: Walmart Money rewards program: The way to earn ‘money,’ save in your invoice and luxuriate in perks
For charges and costs of the Amex Platinum, click on right here.
