Frequent shoppers at Walmart can stock up on rewards from their purchases with the Capital One® Walmart Rewards™ Mastercard®. The card delivers 5% cash back at Walmart.com; 5% cash back on store purchases for the first year using the store’s mobile wallet, then 2% thereafter; 2% back on dining and travel; and 1% back on all other eligible purchases.
The card charges a $0 annual fee. The standard APR for the Capital One® Walmart Rewards™ Mastercard® is 17.99% or 29.74%, based on your creditworthiness.
- Issuer NameCapital One
- Credit NeededExcellent, Good
- Annual Fee$0
- APR17.99% or 29.74%, based on your creditworthiness
- Balance Transfer Fee3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance FeeEither $10 or 3% of the amount of each cash advance, whichever is greater.
- Frequently shop at Walmart.com.
- Don’t plan to carry a balance.
- Have no need for 0% introductory APRs.
The Capital One® Walmart Rewards™ Mastercard® earns 5% cash back at Walmart.com, which can add up to some serious savings if you shop at Walmart for everyday needs. However, it loses value after the first year if you don’t want to shop online, so consider whether the card is worth it if you’ll use it primarily for in-store purchases.
Editor’s Take
The Capital One® Walmart Rewards™ Mastercard® is great for frequent Walmart shoppers who prefer to shop online. Earning 2% cash back at restaurants and on travel and 1% cash back on all other purchases gives the card some added value beyond Walmart purchases
The Capital One® Walmart Rewards™ Mastercard® is an open-loop card, so it can be used anywhere Mastercard is accepted. Capital One also offers a closed-loop version of the card which can only be used at Walmart or Walmart.com. Both cards have similar terms and conditions, but the closed-loop version has a lower credit score requirement.
Once you apply for the Capital One® Walmart Rewards™ Mastercard®, Capital One will automatically consider you for the Walmart Rewards® Card if your credit isn’t good enough for the Capital One® Walmart Rewards™ Mastercard® . If you don’t have great credit but could get value from a Walmart card, still consider applying for the card.
The Capital One® Walmart Rewards™ Mastercard® offers 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One® Walmart Rewards™ Mastercard® with the store’s mobile app, Walmart Pay.
The Capital One® Walmart Rewards™ Mastercard® earns the most rewards when you make purchases at Walmart.com, where you’ll earn 5% cash back. You’ll also earn 5% cash back on store purchases for the first year with the store’s mobile wallet, Walmart Pay, then 2% thereafter; 2% back on dining and travel; and 1% back on all other eligible purchases.
Redeem your rewards for cash or statement credit, a recent purchase, gift cards or travel by signing into your online account or using the Capital One app.
U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.
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The information for the Bank of America® Unlimited Cash Rewards credit card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
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