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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Joseph Hostetler is a credit cards writer who also covers helpful miles and points tricks. He previously authored and edited for Million Mile Secrets. He most enjoys a vagabonding approach to travel and loves to share any tips he finds along the way to save both points and money. He generally gravitates toward more nature-oriented activities, like climbing the Haiku Stairs in Hawaii, hiking the Salkantay Trek to Machu Picchu, and swimming in Mexican cenotes. You can follow him on Instagram @johostetler.
Favorite city: Jerusalem
Where to next: Seattle
also contributed to this story
October 2, 2026 • 13 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
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By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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Quick summary
Walmart shoppers can maximize savings by pairing the right rewards card with ongoing promotions such as Walmart Deal Days.
Several types of cards offer benefits at Walmart, including those with flat-rate rewards, rotating bonus categories or perks tied to Walmart+ memberships.
Online shopping portals can be used alongside rewards cards to further boost returns on eligible Walmart purchases.
Choosing the best card depends on shopping habits, as Walmart purchases may not always qualify for supermarket bonus rates.
What to consider
Walmart transactions often do not code as traditional grocery purchases, which may affect eligibility for certain bonus categories.
Shopping portal rates and eligible categories can change, so it's important to review terms before each purchase.
Some cards provide additional protections or credits, such as purchase protection or streaming service credits, which may add value beyond rewards.
What you'll miss from the article
A detailed comparison of top rewards cards for Walmart, including how to combine card benefits with shopping portals for maximum value.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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.
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.
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 )
THE POINTS GUY
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.
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 )
THE POINTS GUY
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.)
Standout perks: Beyond the Walmart+ benefit, the Amex Platinum is packed with travel and lifestyle perks, including hotel, airline fee and dining credits.
*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.
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
THE POINTS GUY
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 ), to unlock the ability to transfer your rewards to Chase's airline and hotel partners.
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
THE POINTS GUY
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.
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
THE POINTS GUY
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.
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 )
THE POINTS GUY
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.
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.
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.
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.
FG TRADE/GETTY IMAGES
Rates and eligible categories can change, so check the portal's terms before you shop.
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.
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.
For rates and fees of the Amex Platinum, click . For rates and fees of the Blue Cash Everyday, click .
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.
