10 Best Walmart Rewards Card
The Walmart Rewards Card is a popular option for shoppers who want to earn cashback and rewards on their everyday purchases. This card allows users to make the most of their spending at Walmart and other qualifying retailers, giving them a variety of benefits, including cashback, discounts, and exclusive offers. Whether you're a frequent Walmart shopper or you simply want to maximize your savings, a rewards card can help make your purchases more rewarding.
In addition to the cashback and discounts, Walmart Rewards Cards offer several other advantages. These include no annual fee, flexible payment options, and the ability to redeem rewards for future purchases or even statement credits. Plus, with the ability to shop online or in-store, you can enjoy the convenience of using your rewards at any Walmart location or partner stores.
1.
Walmart Rewards Card
The Walmart Rewards Card offers cash back on Walmart purchases, including in-store and online, as well as rewards for purchases at other retailers. It is designed to earn cashback rewards with no annual fee.
5% Cash Back on Walmart.com: Earn 5% back on Walmart online purchases.
2% Cash Back at Walmart Stores: Earn 2% back on in-store purchases at Walmart.
1% on Other Purchases: Earn 1% on all other purchases.
No Annual Fee: No fees for the card, making it an affordable option for Walmart shoppers.
2% Cash Back at Walmart Stores: Earn 2% back on in-store purchases at Walmart.
1% on Other Purchases: Earn 1% on all other purchases.
No Annual Fee: No fees for the card, making it an affordable option for Walmart shoppers.
Walmart Rewards CardCheck HereWalmart Rewards Card - – Earn 5% back on purchases made at Walmart.com, 2% on in-store purchases, and 1% on other purchases.
Pros
High rewards rate on Walmart.com purchases- No annual fee
- No foreign transaction fees
Cons
Limited rewards for in-store purchases- Rewards can only be redeemed for Walmart purchases
Key Features
5% cash back on Walmart.com purchases
2% back on in-store Walmart purchases
1% back on other purchases
No annual fee
2% back on in-store Walmart purchases
1% back on other purchases
No annual fee
Why Is Recommended
Perfect for frequent Walmart shoppers who primarily buy online or in-store at Walmart. The ability to earn high rewards rates on Walmart.com makes it ideal for those who spend a lot with the retailer.
2.
Walmart Credit Card
The Walmart Credit Card is a store-specific card that offers cashback rewards for purchases made at Walmart and Walmart.com.
Unlike the Walmart Mastercard, which offers broader usage, the Walmart Credit Card can only be used at Walmart stores and for online purchases at Walmart.com.
Unlike the Walmart Mastercard, which offers broader usage, the Walmart Credit Card can only be used at Walmart stores and for online purchases at Walmart.com.
High rewards on Walmart.com: Earn 5% cashback on all purchases made at Walmart's website, which is ideal for frequent online shoppers.
Cashback redemption: Rewards can be redeemed as statement credit, gift cards, or merchandise at Walmart.
No annual fee: Enjoy the benefits of cashback without paying an annual fee.
Special financing: For larger purchases, the card offers financing options (6 or 12 months depending on the amount).
Cashback redemption: Rewards can be redeemed as statement credit, gift cards, or merchandise at Walmart.
No annual fee: Enjoy the benefits of cashback without paying an annual fee.
Special financing: For larger purchases, the card offers financing options (6 or 12 months depending on the amount).
- Walmart Credit CardCheck Here
Walmart Credit Card - – Great for earning cashback rewards on both in-store and online purchases, with special financing options for larger purchases.
Pros
- 5% cashback on Walmart.com purchases, one of the highest rewards rates for online shopping at Walmart.
- No annual fee.
- Flexible redemption options for rewards.
- Special financing on larger purchases.
Cons
- Lower rewards rate for in-store purchases after the first year (1%).
- Limited to Walmart purchases and doesn't earn rewards for other retailers.
- High APR if balances are carried over.
Key Features
5% cashback on Walmart.com purchases, including pickup and delivery.
2% cashback on Walmart in-store purchases for the first 12 months (after that, 1%).
No annual fee.
Special financing options on purchases over $299.
Access to Walmart Rewards for redeeming cashback.
2% cashback on Walmart in-store purchases for the first 12 months (after that, 1%).
No annual fee.
Special financing options on purchases over $299.
Access to Walmart Rewards for redeeming cashback.
Why Is Recommended
Ideal for frequent Walmart online shoppers, as the card offers a strong 5% cashback rate for online purchases. It also provides financing options for large purchases and comes with no annual fee.
3.
Walmart+ Membership
- Walmart+ MembershipCheck Here
Walmart+ Membership - – While not a traditional credit card, the Walmart+ membership allows you to earn rewards in the form of free delivery and exclusive discounts.
4.
Walmart Business Credit Card
- Walmart Business Credit CardCheck Here
Walmart Business Credit Card - – Perfect for business owners who frequently shop at Walmart, offering business-specific rewards and financing options.
5.
Chase Freedom Unlimited® Card
- Chase Freedom Unlimited® CardCheck Here
Chase Freedom Unlimited® Card - – While not exclusive to Walmart, it offers rewards on purchases at Walmart, along with unlimited cashback on all other purchases.
6.
Capital One QuicksilverOne Cash Rewards Credit Card
- Capital One QuicksilverOne Cash Rewards Credit CardCheck Here
Capital One QuicksilverOne Cash Rewards Credit Card - - Offers 1.5% cashback on every purchase, with no annual fee. Ideal for individuals with bad credit looking to earn rewards while rebuilding their credit.
7.
Citi® Double Cash Card
The Citi® Double Cash Card is a cashback credit card that offers a straightforward way to earn rewards. It provides 1% cashback on purchases, with an additional 1% cashback when you pay for those purchases. This makes it a great option for those who want to earn unlimited cashback on everyday spending without tracking categories or rotating offers.
2% Unlimited Cashback: Earn 1% cashback on every purchase, plus 1% when you pay off those purchases, for a total of 2% cashback on all eligible purchases.
No Categories to Track: Unlike some other cashback cards, the Citi® Double Cash Card doesn’t require you to keep track of rotating categories, making it simple to use.
No Annual Fee: There’s no annual fee, which helps maximize the net value of your rewards.
Introductory APR Offer: Enjoy 0% introductory APR on balance transfers for the first 18 months (then a variable APR applies), which can help you save money if you need to consolidate debt.
Flexible Redemption Options: Cashback can be redeemed for statement credits, direct deposits, or checks, offering flexibility in how you use your rewards.
No Categories to Track: Unlike some other cashback cards, the Citi® Double Cash Card doesn’t require you to keep track of rotating categories, making it simple to use.
No Annual Fee: There’s no annual fee, which helps maximize the net value of your rewards.
Introductory APR Offer: Enjoy 0% introductory APR on balance transfers for the first 18 months (then a variable APR applies), which can help you save money if you need to consolidate debt.
Flexible Redemption Options: Cashback can be redeemed for statement credits, direct deposits, or checks, offering flexibility in how you use your rewards.
- Citi® Double Cash CardCheck Here
Citi® Double Cash Card - - Earn 2% cashback on every purchase — 1% when you buy and 1% when you pay, offering one of the most straightforward cashback options.
Pros
- 2% Cashback on All Purchases: With 1% cashback when you buy and 1% when you pay, this card offers a competitive 2% cashback rate on every purchase with no spending limits or rotating categories.
- No Annual Fee: No annual fee means you get to keep more of your rewards.
- Introductory APR on Balance Transfers: The 0% APR for the first 18 months on balance transfers can be helpful for consolidating high-interest debt.
- Easy Redemption: Cashback can be redeemed in multiple ways, including as statement credits or deposits to a checking account.
Cons
- Balance Transfer Fee: A 3% fee (or $5, whichever is greater) applies to balance transfers, which could add up if transferring a large amount.
- No Bonus Categories: While the card offers a strong 2% cashback rate, it doesn’t provide higher cashback on specific categories (e.g., travel, dining).
- No Sign-Up Bonus: Unlike some competing cashback cards, the Citi® Double Cash Card doesn’t offer an introductory bonus for new cardholders.
Key Features
2% Cashback on All Purchases: 1% when you buy, 1% when you pay.
No Annual Fee: No fee to carry the card.
0% Intro APR for 18 Months: On balance transfers, then a variable APR applies.
Flexible Cashback Redemption: Redeem for statement credits, checks, or direct deposits.
No Annual Fee: No fee to carry the card.
0% Intro APR for 18 Months: On balance transfers, then a variable APR applies.
Flexible Cashback Redemption: Redeem for statement credits, checks, or direct deposits.
Why Is Recommended
The Citi® Double Cash Card is ideal for those looking for a simple, high-value cashback card. With 2% cashback on every purchase and no categories to track, it offers a straightforward way to earn rewards. The card is especially recommended for individuals who don’t want to deal with complicated reward structures or spending limits. Additionally, the intro APR offer on balance transfers is a helpful feature for those looking to manage existing credit card debt. With no annual fee and solid cashback rewards, this card offers great value for everyday spending.
8.
Discover it® Cash Back
Cashback rewards on everyday purchases with no annual fee.
Reports to the credit bureaus to help build credit.
Reports to the credit bureaus to help build credit.
Cashback Rewards: 5% cashback in rotating categories (like groceries, gas, restaurants) and 1% on all other purchases.
First-Year Cashback Match: Discover will match all the cashback earned in the first year.
No Annual Fee: Enjoy all benefits without a yearly cost.
First-Year Cashback Match: Discover will match all the cashback earned in the first year.
No Annual Fee: Enjoy all benefits without a yearly cost.
- Discover it® Cash BackCheck Here
Discover it® Cash Back - - Offers 5% cashback on rotating categories and 1% on all other purchases, plus an introductory 0% APR for the first 15 months on purchases and balance transfers, with no annual fee.
Pros
- Cashback match for the first year.
- No annual fee.
- 5% cashback on rotating categories.
Cons
- High APR (26.99%).
- Categories change every quarter.
Key Features
Cashback: 5% in rotating categories (up to $1,500) and 1% on other purchases.
APR: 26.99% (variable).
Annual Fee: $0.
Deposit: $200 minimum.
APR: 26.99% (variable).
Annual Fee: $0.
Deposit: $200 minimum.
Why Is Recommended
This card offers significant cashback opportunities, especially if you can take advantage of rotating categories. Great for those with good credit who want to earn rewards.
9.
Blue Cash Preferred Card from American Express
The Blue Cash Preferred® Card is a cashback card offering high cash back rates on everyday spending categories like US supermarkets, US streaming services, and transit.
6% Cash Back at US Supermarkets: Earn 6% on up to $6,000 per year in purchases at US supermarkets (then 1%).
3% Cash Back on Transit: Earn 3% on taxis, rideshares, parking, public transportation, and US gas stations.
1% Cash Back on All Other Purchases: Earn 1% on all other purchases.
$300 Sign-Up Bonus: Earn $300 after spending $3,000 in the first 6 months.
Intro 0% APR for 12 Months: No interest on purchases for the first 12 months (then 18.24%–29.99% variable APR).
3% Cash Back on Transit: Earn 3% on taxis, rideshares, parking, public transportation, and US gas stations.
1% Cash Back on All Other Purchases: Earn 1% on all other purchases.
$300 Sign-Up Bonus: Earn $300 after spending $3,000 in the first 6 months.
Intro 0% APR for 12 Months: No interest on purchases for the first 12 months (then 18.24%–29.99% variable APR).
- Blue Cash Preferred Card from American ExpressCheck Here
Blue Cash Preferred Card from American Express - - Earn 6% cashback on US supermarkets (up to $6,000 per year), plus 3% on transit and 1% on other purchases.
Pros
- High cash back on groceries and transit
- $300 welcome bonus
- No foreign transaction fees
Cons
- $95 annual fee
- Limited to US supermarkets for 6% cash back
- Requires good to excellent credit
Key Features
6% cash back at US supermarkets
3% on transit
$300 sign-up bonus
0% intro APR on purchases for 12 months
3% on transit
$300 sign-up bonus
0% intro APR on purchases for 12 months
Why Is Recommended
Ideal for families and individuals who spend heavily on groceries and transit. The high cash back in these categories and the strong intro bonus make it a solid choice for everyday spending.
10.
Target RedCard™ Credit Card
Earn 5% off every Target purchase, both in-store and online.
Can be used only at Target and partner stores (eg, Target.com, some online purchases, and Target-owned brands).
Can be used only at Target and partner stores (eg, Target.com, some online purchases, and Target-owned brands).
Immediate savings: 5% discount on all Target purchases is one of the best store-specific benefits.
Free shipping: No minimum purchase required for free shipping on Target.com orders.
No annual fee: Great for regular Target shoppers without the need to pay to use the card.
Exclusive offers: Get access to special promotions and discounts.
Free shipping: No minimum purchase required for free shipping on Target.com orders.
No annual fee: Great for regular Target shoppers without the need to pay to use the card.
Exclusive offers: Get access to special promotions and discounts.
- Target RedCard™ Credit CardCheck Here
Target RedCard™ Credit Card - - Earn 5% cashback on purchases at Target and Target.com, making it the go-to card for regular Target shoppers.
Pros
- High value for Target shoppers with 5% off every purchase.
- No annual fee.
- Extra savings on Target's private labels and select partner stores.
Cons
- Only usable at Target and its partner stores, limiting flexibility.
- No rewards on non-Target purchases.
- High APR if you carry a balance.
Key Features
5% off every purchase at Target.
Free shipping on most Target.com orders.
No annual fee.
5% off at Target-owned brands and select partner stores.
Access to exclusive discounts and offers.
Free shipping on most Target.com orders.
No annual fee.
5% off at Target-owned brands and select partner stores.
Access to exclusive discounts and offers.
Why Is Recommended
Best for individuals who frequently shop at Target and want to maximize savings across Target's vast selection of goods. It's a no-brainer for regular Target customers, with the 5% discount and free shipping being major perks.
Conclusion
The Walmart Rewards Card is a fantastic way to maximize your savings and make your Walmart shopping experience more rewarding. From earning cashback to enjoying special discounts and offers, there are a variety of cards that cater to different shopping habits. Whether you prefer a straightforward cashback card or one with added perks, you can find the best Walmart Rewards Card that suits your needs and helps you save more.