Now that Capital One and Walmart have officially broken up, it’s time for a refresh of our article on the best cards to use at Walmart.
Previously, the Capital One Walmart® Rewards Card offered reasonable rewards for Walmart shoppers online, but that card is no longer available. Current cardholders will soon be converted to the Capital One Quicksilver rewards card.
Fortunately, there are still a handful of great credit cards to use at Walmart. Here are our picks for the best cards to use at Walmart.
In this article…
Overview: The best cards to use at Walmart
 | Greatest cash back rewards at Walmart: U.S. Bank Shopper Cash Rewards® Visa Signature® Card. Up to 6% cash back rewards at Walmart. $0 intro annual fee ($95/year ongoing annual fee.) |
 | Uncapped rewards in Walmart stores with mobile wallet: U.S. Bank Altitude® Reserve Visa Infinite® Card. 3% cash back or 4.5% travel rewards. Extended warranty. $400 annual fee. |
 | 3% rewards on Walmart.com with no annual fee: Bank of America® Customized Cash Rewards credit card Up to 3% cash back rewards online (or 5.25% with BofA Preferred Rewards with Platinum Honors), extended warranty, no annual fee. |
 | 3% cash back when you use PayPal to check out: PayPal Cashback Mastercard® Earn 3% cash back when you check out with PayPal. No annual fee. |
 | 5% cash back in rotating categories: Discover it® Cash Back Earn 5% on up to $1,500 spent each quarter in rotating categories. The Discover it rotating categories included Walmart as recently as Q3, 2024. No annual fee. |
 | 5% cash back in rotating categories: Chase Freedom® Flex Earn 5% on up to $1,500 spent each quarter in rotating categories. The Chase Freedom rotating categories included Walmart as recently as Q4, 2022. No annual fee. |
 | Up to 3% at U.S. online retailers including Walmart.com: Blue Cash Everyday® Card from American Express Earn 3% cash back on up to $6,000 per year at U.S. online retailers, then 1%. No annual fee. |
How we picked: Considerations and criteria
Picking a great card to use at Walmart is a little bit more complicated than simply finding the card with the best cash rate of cash back, given that you can buy everything from milk and eggs to swimming pools and gaming laptops at the retailer. Here’s what we considered when compiling this list.
- Cash back rewards. If you’re shopping for groceries and household consumables at Walmart, you probably care about cash back rewards and little else. You’re unlikely to make an extended warranty claim on toilet paper and dropping a carton of eggs isn’t likely to be worth filing a purchase protection claim for.
- Extended warranty and purchase protection. But food isn’t the only thing you can buy at Walmart. Walmart built its business as a general merchandise retailer and this is still a large part of its business today. If you’re buying a television, computer, or small kitchen appliance, you probably want the extended warranty protection or purchase protection benefits you can get with a credit card—even if it means sacrificing rewards.
- Check out through PayPal. Both Walmart stores and Walmart.com allow you to check out through PayPal, which opens up additional opportunities for rewards through some cards.
- Rewards online and in-store. Some people shop online. Some shop in-store. And some credit cards offer more rewards through one channel or the other. We included both cards that are rewarding for in-store purchases and cards that are great for online shoppers.
The best credit cards to use at Walmart
Greatest cash back rewards at Walmart: U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Usually, the highest rate of cash back you can get at a retailer is offered on a branded credit card, but the U.S. Bank Shopper Cash Rewards® Visa Signature® Card wins for the highest rate of cash back rewards at Walmart.
With the Shopper Cash Rewards card, you select two retailers each quarter where you can earn 6% cash back rewards on up to $1,500 in combined purchases. And Walmart is on the list of retailers you can select.
Better yet, the card offers both extended warranty and purchase protection, meaning it’s a great choice to use for purchases of durable goods like electronics and furniture where having an extra year of warranty might come in handy.
Learn more about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card from our review of the card.
Annual fee: $0 intro annual fee for the first year ($95/year thereafter.)
Foreign transaction fee: 3% of each foreign transaction.
All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com.
When you select Walmart as one of your two bonus retailers, you can earn up to 6% cash back at Walmart with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card.
Sign-up bonus
Earn a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening. Learn how to apply.
Rewards
- 6% on your first $1,500 in combined eligible purchase each quarter with two retailers you choose.
- 3% on your first $1,500 in eligible purchases each quarter on your choice of one everyday category.
Eligible everyday categories include wholesale clubs, gas and EV charging stations, and bills and utilities. - 1.5% on all other eligible purchases.
Rewards are earned as cash back.
Eligible 6% retailers
With the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, you can choose two retailers to earn 6% cash back on up to $1,500 in combined eligible purchases each quarter. Here’s the list of eligible retailers.
- Ace Hardware®
- Apple®
- Amazon.com®
- Anthropologie®
- Bed, Bath, & Beyond®
- Best Buy®
- Chewy.com®
- Crate and Barrel™
- Disney®
- Home Depot®
- Ikea®
- Kohl’s®
- Lowe’s®
- Lululemon®
- Macy’s™
- Menards®
- Nordstrom™
- Pottery Barn®
- QVC®
- Restoration Hardware™
- Target®
- Walmart®
- Wayfair.com
- Williams Sonoma®
Benefits
Consumer insurance benefits
- Purchase security.
- Return protection.
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
Partner benefits and statement credits
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
Uncapped rewards in Walmart stores with mobile wallet: U.S. Bank Altitude® Reserve Visa Infinite® Card.
You probably don’t think of a premium travel rewards card as being the best cash back card for Walmart, but the U.S. Bank Altitude® Reserve Visa Infinite® Card offers the best uncapped rewards of any card when you use Apple Pay®, Google Pay™, or Samsung Pay in-store at Walmart.
When you use your phone with tap-to-pay, you’ll earn 3x points which you can redeem for an effective 3% cash back. But if you redeem your points for travel, you can get 50% more value, making the Altitude Reserve effectively a 4.5% rewards card toward travel.
The card carries a hefty annual fee of $400, but you’ll get a statement credit for the first $325 of travel and dining purchases you charge to the card. Between the card’s rewards, excellent travel protections, included Priority Pass airport lounge visits, and other benefits, you’re very likely to get at least an additional $75 of value out of the card in a year.
Learn more about the card in our review of the U.S. Bank Altitude® Reserve Visa Infinite® Card.
Annual fee: $400
Foreign transaction fee: None
All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com.
The cash back and travel rewards of the U.S. Bank Altitude® Reserve Visa Infinite® card make it a great choice if you shop in-store at Walmart and want to earn bonus rewards with no cap.
Sign-up bonus
Earn 50,000 bonus points worth $750 on travel. Just spend $4,500 in eligible net purchases in the first 90 days. Learn how to apply.
Rewards
- 5x points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 3x points on mobile wallet spending with Apple Pay®, Google Wallet, and Samsung Pay.
- 3x points on eligible travel purchases.
- 1x points on all other eligible purchases.
Rewards are earned as Altitude Rewards points.
Altitude Rewards points can be redeemed for cash back at 1 cent per point or used to book travel through the Altitude Rewards center at 1.5 cents per point. You can also redeem your points against travel purchases through Real Time Rewards at 1.5 cents per point.
Benefits
Consumer insurance benefits
- Extended warranty protection.
- Purchase security.
- Return protection.
- Personal identity theft protection.
Travel insurance benefits
- Auto rental collision damage waiver.
- Lost luggage reimbursement.
- Travel accident insurance.
- Emergency evacuation and transportation.
- Trip cancellation/interruption coverage.
- Trip delay reimbursement.
- Travel and emergency assistance services.
Travel benefits
- Airport lounge access. Complimentary Priority Pass™ Select membership with 8 free visits annually.
- TSA PreCheck or Global Entry statement credit.
Partner benefits and statement credits
- $325 annual statement credit for eligible travel and dining purchases.
- Free Shipt membership until 12/31/24 with enrollment. After free membership expires, you are automatically enrolled in an annual Shipt membership at then-current prices until you cancel.
3% rewards on Walmart.com with no annual fee: Bank of America® Customized Cash Rewards credit card
If you shop online at Walmart.com, using the Bank of America® Customized Cash Rewards credit card can get you up to 3% cash back on your online purchases.
To get 3% at Walmart.com, you must choose online shopping as your 3% category. If you do, you’ll earn 3% rewards at Walmart.com (and other online retailers) on up to $2,500 of combined purchases across the card’s 2% and 3% categories each quarter.
But it’s possible to earn even more if you qualify for Platinum Honors or higher status in Bank of America’s Preferred Rewards program. If you qualify, the 3% online shopping category becomes a 5.25% cash back category, thanks to the program’s rewards multiplier.
Previously, you could also get 3% cash back in-store if you used the card with Walmart Pay to pay. It appears that no longer works.
Learn more about Bank of America Preferred Rewards with Platinum Honors and check out our review of the Bank of America® Customized Cash Rewards credit card for more.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Bank of America® Customized Cash Rewards Credit Card has been collected independently by cardsandpoints.com.
Choose online shopping as your 3% bonus category to earn bonus rewards at Walmart.com with the Bank of America® Customized Cash Rewards Credit Card.
Sign-up bonus
bonus_miles_full Learn how to apply.
Rewards
- 3% in the category of your choice.
- 2% at grocery stores and wholesale clubs.
- 1% on all other purchases.
You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Rewards are earned as cash back. If you have Bank of America Preferred Rewards, you’ll receive additional rewards based on your rewards multiplier of up to 1.75. Your rewards multiplier is based on your relationship with Bank of America and Merrill.
3% choice categories
Choose one of the following categories to earn 3% cash back:
- Gas and EV charging stations.
- Online shopping, including cable, internet, phone plans, and streaming.
- Dining.
- Travel.
- Drug stores and pharmacies.
- Home improvement and furnishings.
You can change your choice category once each calendar month. You’ll earn 3% and 2% rewards on the first $2,500 in combined purchases each calendar quarter in the 3% and 2% bonus categories. Earn 1% cash back on these purchases thereafter.
Benefits
Consumer insurance benefits
- Extended warranty protection.
Travel insurance benefits
- Travel and emergency assistance services.
3% cash back when you use PayPal to check out: PayPal Cashback Mastercard®
The PayPal Cashback Mastercard® can be worth it as a rewards card to use at Walmart if you’re willing to jump through the hoop of checking out with PayPal at Walmart and Walmart.com.
If you do, you’ll earn 3% cash back rewards on your purchases. You’ll need a PayPal account to access your rewards, but if you spend a lot at Walmart and want maximum rewards with no annual fee, this little bit of extra hassle might be worth it to you.
The PayPal Cashback Mastercard doesn’t advertise any benefits like purchase protection, return protection, or extended warranty, so it’s probably best to use the card mostly for purchases of groceries and consumables.
Annual fee: $0
Foreign transaction fee: 3% of each transaction
All information about the PayPal Cashback Mastercard® has been collected independently by cardsandpoints.com.
You can earn 3% at Walmart and Walmart.com with the PayPal Cashback Mastercard® when you check out using PayPal.
Sign-up bonus
The PayPal Cashback Mastercard® does not offer a sign-up bonus.
Rewards
- 3% when you check out with PayPal.
- 1.5% on all other eligible purchases.
Rewards are earned as cash back and must be redeemed into your PayPal account.
Benefits
The PayPal Cashback Mastercard® offers no substantive benefits.
5% cash back in rotating categories: Discover it® Cash Back
You won’t use the Discover it® Cash Back Card for all of your Walmart shopping, but it can provide great value when it features Walmart among its quarterly rotating 5% categories.
As recently as the third quarter of 2024 (July-September) you could get 5% cash back at Walmart with the card. Outside of its quarterly categories, it earns only 1% and has almost no substantive benefits. But we like to keep the card around for when it offers 5% cash back where we shop, and since it has no annual fee, there’s no cost to keeping it around.
Learn more about the Discover it® Cash Back card and the Discover quarterly 5% categories.
Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
All information about the Discover it® Cash Back card has been collected independently by cardsandpoints.com.
The Discover it® Cash Back card featured Walmart in its 5% cash back rotating quarterly categories as recently as July-September 2024.
Sign-up bonus
Earn a $100 statement credit after you apply through a referral link and make your first purchase within 3 months of getting approved. Referral link.
Rewards
- 5% on up to $1,500 in combined purchases in Discover’s rotating 5% categories each calendar quarter.
- 1% on all other purchases.
Rewards are earned as cash back, but can also be redeemed for gift cards. When you redeem for select gift cards, you’ll get better-than-cash-back value for your rewards.
Benefits
The Discover it® Cash Back card offers no substantive benefits.
5% cash back in rotating categories: Chase Freedom Flex®
The Chase Freedom Flex® is Chase’s take on a card with no annual fee and 5% rotating categories. And it has been possible to get 5% cash back at Walmart in at least one quarter every year since the card was launched.
The Freedom Flex has pretty consistently included Walmart in its 5% bonus categories in the fourth quarter.
In 2023, Walmart wasn’t featured as a 5% category, but it was still possible to get 5% cash back at Walmart using a Chase Freedom Flex® card. How? By checking out at Walmart with PayPal. When PayPal shows up in the Freedom Flex bonus categories, you can use PayPal to check out at Walmart and earn 5% cash back rewards.
Learn more about the Chase Freedom Flex® and its Chase Freedom 5% categories.
Annual fee: $0
Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars
All information about the Chase Freedom Flex® has been collected independently by cardsandpoints.com.
The Chase Freedom Flex® can sometimes get you 5% cash back rewards on up to $1,500 in purchases at Walmart thanks to its 5% rotating quarterly bonus categories.
Sign-up bonus
Learn more about sign-up bonuses in our article covering the best Freedom Flex bonuses.
The Chase Freedom Flex℠ offers different sign-up bonuses based on the channel you’re applying through
Best bonus online: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Learn how to apply.
In-branch offer: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
These bonuses are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Rewards
- 5% in quarterly rotating categories
on up to $1,500 in total combined purchases each quarter when you activate. - 5% on travel purchased through Chase Travel℠
- 5% on Lyft rides through March 31, 2025.
- 3% on dining, including eligible takeout and delivery services.
- 3% on drugstore purchases.
- 1% on other purchases.
Rewards are marketed as cash back, but earned as Chase Ultimate Rewards® points.
Ultimate Rewards® can be combined across cards you hold. If you hold a premium Ultimate Rewards card, you can transfer your points to Chase’s transfer partners or use your points for increased value when you book travel through Chase Travel℠. For more about using Ultimate Rewards, check out our guide on the Ultimate Rewards program.
Benefits
Consumer insurance benefits
- Purchase protection.
- Extended warranty protection.
- Cell phone protection.
Travel insurance benefits
- Trip cancellation/interruption insurance.
- Auto rental collision damage waiver.
- Travel and emergency assistance services.
Partner benefits and statement credits
- 3 complimentary months of DashPass. After your 3 months, you are automatically enrolled in DashPass at 50% off for the next 9 months. Activate by January 31, 2025.
Up to 3% at U.S. online retailers including Walmart.com: Blue Cash Everyday® Card from American Express
If Walmart.com is one of several online retailers you frequent, the Blue Cash Everyday® Card should be on your short list.
The card gives you 3% cash back on up to $6,000 of purchases at U.S. online retailers, with no annual fee. This means you can earn 3% cash back at Walmart.com.
The card also offers similar rewards at U.S. gas stations and at U.S. supermarkets. Getting bonus rewards in these categories means that the card offers some additional utility and cash back in places where you’re likely to spend a fair amount of money.
The Blue Cash Everyday® Card from American Express offers a welcome bonus to new cardmembers. Go to our card overview of the Blue Cash Everyday® Card for more on this card.
Annual fee: annual_fees (See Rates and Fees)
If you shop at U.S. online retailers like Walmart.com, you can earn 3% cash back on up to $6,000 of spending each calendar year (then 1%) with the Blue Cash Everyday® Card from American Express.
Welcome offer
Earn a $200 statement credit after you spend $2,000 on purchases on your new Card in your first 6 months of Card Membership. Plus receive 10% back, up to $150, as a statement credit on purchases at restaurants worldwide within the first 6 months of Card Membership. Learn how to apply for this Resy exclusive offer.
All information about the Blue Cash Everyday® Card from American Express has been collected independently by cardsandpoints.com.
Rewards
- 3% on groceries at U.S. supermarkets
on up to $6,000 per year of purchases, then 1%. - 3% on U.S. online retail purchases
on up to $6,000 per year of purchases, then 1%. - 3% on gas at U.S. gas stations
on up to $6,000 per year of purchases, then 1%. - 1% on other purchases.
Rewards are earned as cash back.
Benefits
Consumer insurance benefits
- Purchase protection. Covers eligible purchases against theft or accidental damage up to $1,000 per covered purchase and up to $50,000 per account per calendar year. Exclusions and terms apply.
Travel insurance benefits
- Car rental loss and damage insurance.
- Global assist hotline.
Partner benefits and statement credits
- $84 Disney Bundle Credit. Receive $7 back monthly after spending $9.99+ each month on an eligible auto-renewing U.S. subscription to the Disney Bundle. Enrollment required.
- $180 Home Chef Credit. Receive up to $15 per month in statement credits when you purchase an auto-renewing U.S. subscription for Home Chef meal kits.
- Amex Offers. Receive statement credits or extra rewards with targeted offers from select merchants. Enrollment required.
Frequently asked questions
What happened to the Capital One Walmart credit card?
Capital One and Walmart discontinued their cobranded credit card partnership in mid-2024. The Capital One-issued Walmart credit card is no longer available to new cardmembers. Existing cardmembers will be converted to the Capital One Quicksilver rewards card.
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