Frequent Walmart shoppers know how much value the retail giant offers. From great prices on groceries and household goods to clothing and electronics, Walmart has it all. You can earn cash back and other benefits when you shop at Walmart using various rewards credit cards.
In this post, we explore the best rewards credit cards for Walmart spending and show you how to combine those cards with online shopping portals to further boost your earnings.
The Best Credit Cards for Walmart Shopping
The following six rewards cards are currently the best options for Walmart purchases thanks to earning bonuses and statement credits:
- The Platinum Card® from American Express
- Chase Freedom Flex℠
- Capital One Venture Rewards Credit Card
- Capital One Walmart Rewards Mastercard
- Citi Double Cash® Card
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
The Platinum Card® from American Express
- Rewards at Walmart: Up to $155 in statement credits annually towards the monthly cost of Walmart+, a membership program that provides free grocery delivery, free shipping, discounts on gas, and free access to Paramount+.
- Annual Fee: $695 (see rates and fees)
- Current Welcome Offer: Earn 80,000 bonus points after you spend $8,000 on purchases within the first six months of card membership, worth approximately $1,600 in travel.
- Standout Perks:
- Up to $200 in annual hotel credits on prepaid American Express Fine Hotels + Resorts or The Hotel Collection bookings
- Up to $200 in annual statement credits for incidental fees charged by one airline
- Up to $200 in Uber Cash for U.S. services per calendar year
Chase Freedom Flex℠
- Rewards at Walmart: 5% bonus categories each calendar quarter you activate, including Walmart or wholesale clubs in Q4 of past years.
- Annual Fee: $0
- Current Welcome Offer: Receive $200 cash back after spending $500 on purchases within the first three months.
- Standout Perks:
- Cellphone protection with $800 in coverage per claim for theft or damage
- No annual fee
Capital One Venture Rewards Credit Card
- Rewards at Walmart: Unlimited 2 miles per dollar spent on all purchases.
- Annual Fee: $95 (see rates and fees)
- Current Welcome Offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months.
- Standout Perks:
- Unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel
- No foreign transaction fees
- Up to $100 credit for Global Entry or TSA PreCheck
Capital One Walmart Rewards Mastercard
- Rewards at Walmart: 5% cash back at Walmart.com, including pickup and delivery, and 2% cash back in Walmart stores and gas stations, at restaurants, and on travel.
- Annual Fee: $0
- Current Welcome Offer: 5% cash back in Walmart stores for the first 12 months when using Walmart Pay.
- Standout Perks: Limited perks but excellent for Walmart loyalists.
Citi Double Cash® Card
- Rewards at Walmart: Unlimited 2% cash back on all purchases (1% when you buy, 1% when you pay).
- Annual Fee: $0 (see rates and fees)
- Current Welcome Offer: Earn $200 cash back after spending $1,500 within the first six months. Plus, earn an extra 3% cash back on hotels, car rentals, and attractions booked through Citi Travel.
- Standout Perks: Simple, no-annual-fee option to boost cash back.
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Rewards at Walmart: 6% cash back at two retailers of your choice, including Walmart, up to $1,500 each quarter.
- Annual Fee: $0 for the first year, then $95
- Current Welcome Offer: Get a $250 bonus after spending $2,000 in eligible purchases within the first 120 days.
- Standout Perks:
- 6% cash back at two chosen retailers
- 3% cash back in an everyday category of your choice
- 1.5% cash back on all other purchases
How to Choose a Credit Card for Walmart Purchases
When choosing a credit card for Walmart purchases, consider the bonus earnings categories and whether the card issuer codes Walmart as a discount/warehouse store or a grocery store. This can significantly impact your rewards.
Maximizing Walmart Credit Cards
Use shopping portals like Rakuten to save even more. Log in to receive cash-back offers, click on an offer, and shop at Walmart. The portal tracks your spending and rewards you with cash back, in addition to your credit card rewards.
For example, Rakuten usually offers around 2% cash back at Walmart, which can be combined with your credit card bonuses for significant savings.
