The 6 best credit cards for Walmart shopping
Editor's Note
Walmart is already a go-to for stretching your dollar, whether you're stocking up on groceries, grabbing household essentials or making a bigger purchase. The right card can add cash back or travel rewards on top of those savings.
Plus, Walmart Deal Days run Oct. 5-11, meaning you can receive both discounts and rewards on your purchases.
Here are the best rewards credit cards for Walmart shopping, plus how to combine them with online shopping portals to boost your earnings.
The best credit cards for Walmart shopping
Whether you're looking to earn cash back on everyday purchases, rack up travel rewards or enjoy Walmart+ benefits, these six credit cards can help you get more out of your Walmart spending.
Here's how the cards compare:
| Card | Best for | Rewards and benefits at Walmart |
|---|---|---|
Walmart loyalists | 5% cash back with Walmart+ membership or 3% without | |
Walmart+ membership benefits | Up to $155 in annual Walmart+ statement credits (enrollment required) | |
Rotating bonus categories | 5% cash back when Walmart purchases qualify for an activated quarterly bonus category (up to $1,500 in combined purchases per quarter), otherwise 1% | |
Earning travel rewards | 2 miles per dollar spent | |
Simple cash-back earning | 2% cash back (1% when you buy and 1% when you pay) | |
Online Walmart purchases | 3% cash back on eligible U.S. online retail purchases (up to $6,000 per calendar year, then 1%)
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout |
*The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
OnePay CashRewards
Benefits at Walmart: The OnePay CashRewards Card earns 5% cash back** on Walmart purchases (online or in-store) if you're a Walmart+ member. If you aren't a Walmart+ member, you'll earn 3% back on Walmart purchases.
**Cash back is earned as points on purchases made with your OnePay Cash Rewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account. See OnePay Reward Terms at www.onepay.com/rewards-terms for details.
Annual fee: None (see rates and fees)
Welcome offer: Earn $35 cash back upon account opening and 3% cash back on all non-Walmart purchases in the first 90 days from account opening. Offer ends Dec. 31.
Standout perks: The OnePay CashRewards Card is a fantastic option for Walmart devotees, but its rewards aren't limited to Walmart purchases. You'll also earn 1.5% cash back on all other purchases.
Rewards are earned as OnePay points, which can be redeemed for a statement credit or deposited into a OnePay Cash account.
To learn more, read our full review of the OnePay CashRewards Card.
Apply here: OnePay CashRewards Card
American Express Platinum
Benefits at Walmart: One of the Amex Platinum's perks is a monthly statement credit toward Walmart+, which offers perks like free grocery delivery (on orders of $35 or more), free shipping, gas discounts and free access to Paramount+ or Peacock.
Cardmembers can get up to $155 in statement credits each year (up to $12.95 plus applicable taxes and fees each month) toward one monthly Walmart+ membership (Plus Ups excluded; enrollment required; your membership will automatically renew, and you'll need to enroll separately for Paramount+ or Peacock.)
Annual fee: $895 (see rates and fees)
Welcome offer: Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
Because TPG's October 2026 valuations peg American Express Membership Rewards points at 2 cents each, this welcome offer is worth up to $3,500.
Standout perks: Beyond the Walmart+ benefit, the Amex Platinum is packed with travel and lifestyle perks, including hotel, airline fee and dining credits.
The card also offers purchase protection*, return protection** and extended warranty coverage*, which could come in handy when buying electronics or other big-ticket items at Walmart.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details.
To learn more, read our full review of the Amex Platinum.
Apply here: American Express Platinum Card
Chase Freedom Flex
Benefits at Walmart: The Chase Freedom Flex offers rotating 5% bonus categories each quarter (after activation; on up to $1,500 in combined purchases, then 1%). Walmart is sometimes included in the selection of bonus categories each year.
When Walmart purchases qualify for a bonus category, you can earn 5% cash back on your shopping (on up to $1,500 in purchases).
Annual fee: None
Welcome offer: Earn $250 cash back after spending $500 on purchases in the first three months from account opening.
Standout perks: The Chase Freedom Flex offers purchase protection against eligible damage or theft (for 120 days; up to $500 per item). That's an extra layer of protection for your Walmart purchases, particularly when buying electronics.
You can also combine your earnings with a premium Chase card, such as the Chase Sapphire Preferred® Card (see rates and fees), to unlock the ability to transfer your rewards to Chase's airline and hotel partners.
To learn more, read our full review of the Freedom Flex.
Apply here: Chase Freedom Flex
Capital One Venture Rewards
Benefits at Walmart: The Capital One Venture Rewards earns at least 2 miles per dollar spent on all purchases, including at Walmart. It's a great option if you want a straightforward way to earn rewards on everything you buy, without having to think twice about which card to use.
Annual fee: $95
Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening, plus receive a $300 credit to use on hotel and vacation rentals booked through Capital One Travel in the first cardholder year.
Standout perks: Aside from receiving 2 miles per dollar spent on everyday purchases, you'll earn 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel. Plus, the card has no foreign transaction fees and up to a $120 credit for Global Entry or TSA PreCheck.
The card also offers purchase protection and extended warranty coverage on eligible purchases, providing valuable coverage when shopping at Walmart.
To learn more, read our full review of the Capital One Venture Rewards.
Learn more: Capital One Venture Rewards Credit Card
Citi Double Cash
Benefits at Walmart: The Citi Double Cash keeps things simple: You'll earn 2% cash back on everyday purchases, including at Walmart (1% when you buy and another 1% when you pay), whether you're stocking up on groceries or splurging on something bigger.
Annual fee: None
Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first six months from account opening.
Standout perks: The Citi Double Cash may keep things simple, but it doesn't skimp on flexibility. You can redeem your rewards for cash back, travel and more.
Plus, you'll earn a total of 5% cash back on hotels, car rentals and attractions booked through Citi Travel, and get access to special ticket offers through Citi Entertainment.
To learn more, read our full review of the Citi Double Cash.
Apply here: Citi Double Cash Card
American Express Blue Cash Everyday
Benefits at Walmart: The American Express Blue Cash Everyday earns 3% cash back*** on eligible U.S. online retail purchases, including qualifying Walmart.com purchases (on up to $6,000 in purchases per calendar year, then 1%). In-store Walmart purchases generally earn 1% cash back***.
Annual fee: None (see rates and fees)
Welcome offer: Find out your offer and see if you are eligible for as high as $200 cash back after spending $2,000 on purchases in the first six months of card membership. (Welcome offers vary, and you may not be eligible for an offer. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.)
Standout perks: The Blue Cash Everyday also earns 3% cash back*** at U.S. supermarkets and U.S. gas stations (on up to $6,000 in purchases per category each calendar year, then 1%).
Plus, it offers purchase protection* on eligible purchases and up to $84 in annual Disney streaming statement credits and up to $180 in annual Home Chef statement credits (enrollment required; subject to auto-renewal).
*Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
***Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
To learn more, read our full review of the American Express Blue Cash Everyday.
Apply here: American Express Blue Cash Everyday
How to choose the best credit card for Walmart purchases
The best card for Walmart depends on how you shop and what kind of rewards you want to earn. Some cards offer a flat rewards rate on every purchase, while others may earn more online, through rotating bonus categories or with Walmart-specific benefits.
It's also important to pay attention to how Walmart purchases are categorized. Walmart typically doesn't code as a traditional grocery store, so a card that earns bonus rewards at supermarkets may not earn that same rate at Walmart. In that case, a flat-rate card could be the better fit.
Related: The best cash-back credit cards to add to your wallet
How to apply for a credit card that is good for Walmart purchases
Applying for one of these credit cards works much like applying for any other credit card. Before you start, check that your credit score is a good fit for the card and have your income and other personal information ready.
For the OnePay CashRewards Card, you can see if you're prequalified before applying, according to information OnePay has shared with TPG. Checking your prequalification status won't affect your credit score.
You can apply for popular Walmart credit cards by using the apply links throughout this article.
Related: How to check your credit score for free
Maximizing credit cards at Walmart
Shopping portals can help you earn even more on eligible Walmart purchases. Start with a portal that offers rewards at Walmart, click through to Walmart and complete your purchase as usual. If your purchase qualifies, you'll earn portal rewards on top of the rewards from your credit card.
Rates and eligible categories can change, so check the portal's terms before you shop.
You can also use a shopping portal aggregator like Cashback Monitor to find high returns.
Related: How you can easily earn Amex points with Rakuten
Frequently asked questions
What credit score is needed for credit cards that are good to use at Walmart?
Most of the cards on this list are geared toward applicants with good to excellent credit. A FICO Score of 670 or higher is generally considered good, but approval depends on your overall credit profile, income and other factors.
Related: 6 things to do to improve your credit score
Where can I use credit cards that are also good for Walmart purchases?
The cards on this list aren't limited to Walmart. You can use them anywhere their payment network is accepted, although the rewards rate may vary depending on the purchase.
Can I get cash back on a credit card that I use at Walmart?
Yes, if your card earns cash back on Walmart purchases. Some cards offer a flat cash-back rate on all purchases, while others earn a higher rate at Walmart under certain conditions. Other cards on this list earn points or miles instead.
Can I use my Sam's Club credit card at Walmart?
If you have a Sam's Club Mastercard, you can use it at Walmart and anywhere else Mastercard credit cards are accepted.
The information for the Sam's Club credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
Walmart shoppers have plenty of ways to squeeze more value out of purchases they're already making. The key is using a card that rewards the way you shop most often, then stacking those earnings with a shopping portal or other eligible offer when possible.
A little strategy can turn an ordinary Walmart run into a much more rewarding purchase.
Related: Walmart Cash rewards program: How to earn 'cash,' save on your bill and enjoy perks
For rates and fees of the Amex Platinum, click here.
For rates and fees of the Blue Cash Everyday, click here.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.