March 6, 2024: If you shop at Walmart, you want a card that gives you generous cash back rewards and offers useful benefits like extended warranty. Unfortunately, Walmart recently discontinued the Capital One Walmart credit card, leaving its loyal customers without a good store-branded option.
For most people who want to avoid an annual fee, a 2% cash back credit card will be the best choice to use at Walmart, but we’ve hunted down the best alternatives to the (now defunct) Walmart credit card, below.
The best cards to use at Walmart in 2025
 U.S. Bank Shopper Cash Rewards® Visa Signature® Card Annual fee: $0 intro annual fee for the first year ($95/year thereafter) | The Shopper Cash Rewards offers 6% cash back on up to $2,000 spent each quarter at the two select stores you choose. Choose Walmart as one of your stores to earn bonus cash back at Walmart. Great rewards at Walmart (up to 6% cash back.) Consumer insurance benefits. (Purchase security, return protection, extended warranty.) Annual fee ($0 intro annual fee for the first year ($95/year thereafter)) All information about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card has been collected independently by cardsandpoints.com. |
 Bank of America® Customized Cash Rewards credit card Annual fee: annual_fees | If you shop at Walmart.com, you can earn up to 3% cash back rewards with this no-annual-fee card, and even more with a banking relationship. Earn up to 3% cash back at Walmart.com when you choose online shopping as your choice category. No annual fee Extended warranty. 2% and 3% categories on card are capped at $2,500 of spending per quarter. All information about the Bank of America® Customized Cash Rewards credit card has been collected independently by cardsandpoints.com. |
 Blue Cash Everyday® Card from American Express Annual fee: annual_fees (See Rates and Fees) | Offers 3% cash back on U.S online retail purchases, including Walmart.com, on up to $6,000 per year in purchases, then 1% Up to 3% cash back at Walmart.com, plus other useful categories. No annual fee. No extended warranty benefits. 3% rewards is capped at $6,000 of spending each year. |
 PayPal Cashback Mastercard® Annual fee: $0 | 3% cash back everywhere you check out using PayPal, including Walmart. High rate of cash back. No annual fee. Must use PayPal to check out. No substantive benefits. All information about the PayPal Cashback Mastercard® has been collected independently by cardsandpoints.com. |
 U.S. Bank Smartly™ Visa Signature® Card Annual fee: $0 | The Smartly Visa earns 2% base cash back everywhere, but this increases up to 4%, based on the amount of qualifying deposits you have with U.S. Bank. Up to 4% cash back everywhere, including at Walmart. No annual fee. Requires significant deposits with U.S. Bank for high cash back. No substantive benefits. All information about the U.S. Bank Smartly™ Visa Signature® Cardhas been collected independently by cardsandpoints.com. |
 U.S. Bank Altitude® Reserve Visa Infinite® Card Annual fee: $400 | The Altitude Reserve earns 3% cash back or 4.5% travel rewards whenever you use a mobile wallet like Apple Pay or Google Pay to make a purchase. Great, uncapped, rewards at Walmart when you use your mobile wallet to pay. (3% cash back or 4.5% travel rewards.) Consumer insurance benefits. (Purchase security, return protection, extended warranty) Requires using a mobile wallet to pay to get great rewards. No longer available to new cardmembers. High annual fee ($400) This card is no longer available to new cardmembers. All information about the U.S. Bank Altitude® Reserve Visa Infinite® card has been collected independently by cardsandpoints.com. |
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Editor’s pick: U.S. Bank Shopper Cash Rewards® Visa Signature® Card
We’ll admit we were hesitant to pick the U.S. Bank Shopper Cash Rewards® Visa Signature® Card as the best credit card for Walmart because of its annual fee. But the card’s generous cash back at two retailers we pick, paired with good consumer insurance benefits and the flexibility to earn a high rate cash back in an “everyday category” makes the card the best card for Walmart in our book.
Here’s what we like most about the U.S. Bank Shopper Cash Rewards® Visa Signature® Card:
- Maximum cash back at Walmart. No other card can get us up to 6% cash back year-round at Walmart.
- Cash back at several other useful retailers. The card offers 24 national retailers to pick from where you can get 6% cash back. Besides Walmart, you can get 6% cash back at places like Amazon.com, Best Buy, Home Depot, Lowe’s, and Target. In our view, that makes the card incredibly useful for most people.
- High-enough caps on bonus rewards. The cap on 6%-bonused spending at $1,500 per quarter is high enough that we don’t feel like we’re missing out if we hit the rewards ceiling.
- 1.5% cash back everywhere else. We’d probably prefer having a 2% cash back credit card for our “everywhere else” spending but the fact that this isn’t 1% means the card is more generous than other, similar rewards cards.
- Excellent cash back in an everyday category. Finding a card that offers 3% on gas isn’t hard, but we can also pick wholesale clubs and bills/utilities as our “everyday” category, and it’s rare to find a card that offers that much cash back in those categories.
- Consumer insurance benefits. U.S. Bank doesn’t offer many cards with consumer protection benefits, but this card offers the trifecta: Purchase security, return protection, and extended warranty protection.
Of course, we’d prefer that the card didn’t have an annual fee, but we don’t see how the rewards could be this generous on a no-annual-fee card.
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.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card: Greatest cash back rewards at Walmart
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.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card at a glance
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.
Bank of America® Customized Cash Rewards credit card: 3% rewards on Walmart.com with no annual fee
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.
Bank of America® Customized Cash Rewards credit card at a glance
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
Best sign-up bonus: bonus_miles_full
Learn how to apply.
This bonus is earned as cash back rewards.
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.
- Roadside Dispatch.
Blue Cash Everyday® Card from American Express: Up to 3% at U.S. online retailers including Walmart.com
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.
Blue Cash Everyday® Card from American Express at a glance
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
Best welcome offer: bonus_miles_full
Learn how to apply.
This bonus is earned as a cash back statement credit.
The above offer is currently the best available offer, we’ve seen better welcome offers on this card in the past. For more, see our coverage of the best Blue Cash Everyday offers.
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
- Amex 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 Plus 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.
PayPal Cashback Mastercard®: 3% cash back when you use PayPal to check out
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.
PayPal Cashback Mastercard® at a glance
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.
U.S. Bank Smartly™ Visa Signature® Card: Up to 4% cash back everywhere including at Walmart
It’s very likely that most of the things you’re going to buy at Walmart will be household consumables and groceries.
And for these purchases, you really don’t need benefits like extended warranty or purchase protection. So, practically, the lack of these benefits on the U.S. Bank Smartly™ Visa Signature® Card doesn’t really matter. (And when it does, you can use a card with extended warranty or purchase protection for those specific purchases.)
The biggest hurdle that most people will run into with the Smartly Visa is that the best cash back rates require you to have $100,000 on deposit or in investment accounts held with U.S. Bank.
But if you do have that much cash to stash or you have a large portable investment account, moving that money to U.S. Bank can get you access to market-leading rates of cash back everywhere.
U.S. Bank Smartly™ Visa Signature® Card at a glance
Annual fee: $0
All information about the U.S. Bank Smartly™ Visa Signature® Card has been collected independently by cardsandpoints.com.
The U.S. Bank Smartly™ Visa Signature® Card is a new offering that promises up to 4% cash back for customers who hold over $100,000 of assets with U.S. Bank.
Sign-up bonus
U.S. Bank is not offering a sign-up bonus on the Smartly™ Visa Signature® Card at this time.
Rewards
Unlimited 2% cash back on every purchase.
Up to an additional 2% cash back if you have a U.S. Bank Smartly® Savings account and hold a significant amount of deposits with U.S. Bank. Qualifying deposits include balances in U.S. Bank deposit, trust, and investment accounts.
- Earn a total of 2.5% with a qualifying balance between $5,000 and $49,999.
- Earn a total of 3% with a qualifying balance between $50,000 and $99,999.
- Earn a total of 4% with a qualifying balance of $100,000 or more.
Rewards are earned as points which must be redeemed as a credit into an eligible U.S. Bank deposit account if you want to get the full amount of cash back.
Benefits
The U.S. Bank Smartly™ Visa Signature® Card does not advertise any significant benefits beyond its cash back.
U.S. Bank Altitude® Reserve Visa Infinite® Card: Uncapped rewards in Walmart stores with mobile wallet
If you hold the U.S. Bank Altitude® Reserve Visa Infinite® Card, it’s one of the best options to use at Walmart in-store for its uncapped 3% cash back or 4.5% travel rewards when you use Apple Pay®, Google Pay™, or Samsung Pay in-store at Walmart. Unfortunately, the card is no longer available to new cardmembers.
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.
U.S. Bank Altitude® Reserve Visa Infinite® Card at a glance
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
The U.S. Bank Altitude® Reserve Visa Infinite® card is no longer available to new cardmembers.
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.
YouTube: The best credit cards to use at Walmart
Want to get our take on this on YouTube? Here’s a video we recently launched about the best cards to use at Walmart. Please note: we update this guide more often than we are able to re-shoot the YouTube video.
Bottom line: Shopper Cash Rewards is the best
The loss of the Capital One Walmart card was a blow to Walmart shoppers looking to earn cash back. Frankly, there’s little reason why Walmart couldn’t follow Target and offer a card that gives shoppers a 5% discount on almost everything in the store. In the meantime, the Shopper Cash Rewards card will get you the highest rate of cash back, and there are several options for 2% cash back cards that could be used, at least until Walmart launches a new in-store credit card.
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.
Is PayPal accepted in store at Walmart?
Yes, PayPal is accepted in-store at Walmart, making it possible to get 5% cash back when the 5% rotating category cards offer 5% cash back on purchases made with PayPal.
