Walmart Credit Card: A Complete Overview

Irina Tsymbaliuk

Walmart is one of the most popular retailers, with over 250 million visitors daily. In addition to a wide selection of products with affordable prices, the company has great credit card offers for customers who regularly drop in their stores or make online purchases on their website. 

In our Walmart credit card overview, we’ll explain how it works, its advantages and potential costs, and how to make it a valuable tool for your everyday shopping needs. Whether you're considering applying for this card or already have one, we’ll help you make informed decisions about its usage.

Types of Walmart Credit Cards

There are two distinct Walmart credit card types tailored to meet varying customer needs. Let’s consider the key features and benefits of each to understand which one might be the best fit for your shopping preferences.

Capital One Walmart Credit Card

Maintained by Mastercard and launched back in 2019, this card comes with a 0% annual fee, making it a cost-effective option for regular Walmart shoppers.

The card offers an attractive rewards program, providing cashback on everyday essentials, groceries, and more. Such Walmart card rewards make it a match for diverse needs, whether shopping online or offline. You can earn cash bonuses on all purchases made with the card under a tiered system:

  • Enjoy a 5% cashback on purchases made through or the Walmart app, including Grocery Pickup and Delivery.
  • Receive a 2% cashback on purchases made at Walmart stores and Walmart & Murphy USA Fuel Stations;
  • Get a 1% cashback on all other purchases.

New cardholders can benefit from a limited-time introductory offer, providing an extra incentive for initial usage. Thus, for the first 12 months, you’ll receive 5% back on your purchases in the retailer’s stores using your newly issued card.

More than that, this Walmart shopping credit card comes with convenient online account management tools, allowing you to monitor purchases, track rewards, and make payments with ease. Besides, you gain access to exclusive Capital One's add-ons concierge service, travel insurance, and prolonged warranty, enhancing your overall banking experience.

The Capital One Walmart Credit Card is usually offered to customers with a good credit history and is a perfect choice for those who most often buy online. They will be able to get a good deal of cashback on online purchases and deliveries.  

Walmart Rewards Credit Card

Much like the Capital One version, this card does not come with an annual fee, making it a budget-friendly option for dedicated Walmart shoppers. It also provides user-friendly online account management tools for easy tracking of purchases, rewards, and payments.

However, unlike Capital One, the Walmart Rewards Card is only valid within the Walmart network and can’t be used at other restaurants or retail stores. Thus, you can earn:

  • 5% cashback on purchases made through and Walmart app;
  • 2% cashback when buying at Walmart stores and Walmart & Murphy gas stations in the U.S.; 
  • 1% cashback on offline purchases at Sam’s Club and their branded gas stations.

It’s worth noting that if your credit history is not ranked good to excellent, your Capital One application will hardly be approved, and you’ll automatically get a Walmart Rewards Credit Card. Yet, if you mostly shop in Walmart, it’s a great option anyway. 

With $0 annual fees, both Walmart credit cards will let you free money on cashback. But you should remember that both cards still have a regular APR and accrue interest on balance transfers and cash advances. So, to get the most out of the proposed cashback programs and avoid added Walmart credit card payments, you should repay your card balance monthly. 

Benefits of the Walmart Credit Card

If you are still hesitant about getting one of the above cards and doubt their value, consider a range of their benefits designed to enhance your shopping experience and provide financial flexibility.

Surely enough, a cashback rewards program is one of the most paramount features of Walmart credit cards. A tiered cashback system provides higher returns for purchases made through Walmart's various channels. In combo with a $0 annual fee, it allows cardholders to reap tangible monetary benefits of their standing.

However, there are a host of other significant Walmart credit card benefits:

Special Financial Offers

Depending on your creditworthiness, the card may offer special financing options on certain purchases. This means you could potentially make larger purchases and pay them off over time without incurring interest charges.

Added Cardholder Perks

Above Walmart credit card rewards, you can get access to other nice extras such as discounts on fuel purchases at Walmart and Murphy USA gas stations, early access to special promotions, and other exclusive offers.

Online Account Management

The cards provide a user-friendly online platform for managing your account to keep an eye on your transaction history, monitor rewards, make payments, and set up alerts. You’ll get full control and visibility over your financial activities.

Building Credit

The Walmart shopping credit card can be a valuable tool for those looking to build or improve their credit history. By making timely payments and keeping balances low, cardholders can demonstrate responsible credit management, potentially leading to improved credit scores.

Final Thoughts

All in all, both Walmart credit cards offer valuable rewards and convenience for Walmart enthusiasts, ensuring that your shopping experience is not only efficient but also financially rewarding. 

To be more specific, though, the Capital One card brings a more comprehensive set of capabilities and is an optimal choice for online shopping fans. In the meantime, the Walmart Rewards Credit Card is a solid choice for those primarily making in-store purchases.

Your choice to use one of the Walmart cards depends on your shopping habits, financial goals, and ability to manage credit responsibly. If you frequently shop at Walmart and can commit to responsible use, the card can provide significant value.


How can I apply for a Walmart credit card?

To use the Walmart credit card rewards, you can apply for the card either online via the retailer’s website or in any store near you. Just make sure your credit history is ok, and you fully understand the terms and conditions of the card you are going to get. 

Can I use my Walmart credit card for online shopping on

If you are an online shopper, both Walmart credit cards are good for making purchases via or the Walmart app. With the Capital One card, you’ll even get cashback on delivery. 

How can I maximize the benefits of my Walmart credit card?

To enjoy Walmart credit card benefits to the max, choose the card type that best matches your shopping needs. Regularly review and redeem rewards. Plan big purchases and take advantage of special financial options for them. And avoid carrying a balance from month to month to prevent interest charges.