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CardCurator — Rewards Intelligence
Walmart

Best Credit Card for Walmart

Compare the top credit cards for Walmart store and Walmart.com purchases and find which one earns the most rewards.

The Capital One Walmart Rewards Card earns 5% on Walmart.com and 2% in Walmart stores and Murphy USA gas stations. For heavy Walmart shoppers, this card provides solid value at no annual fee.

Top Pick

Best Pick
Walmart OnePay CashRewards Card card art
Walmart - One Pay Rewards

Walmart OnePay CashRewards Card

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

5x on Walmart with Walmart Plus

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More Good Options

  • Blue Cash Everyday Card from American Express card art
    American Express Membership Rewards
    Blue Cash Everyday Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x on U.S. Department Stores (Select)

    Learn more →
  • Wyndham Rewards Earner Plus Card card art
    Wyndham Rewards
    Wyndham Rewards Earner Plus Card
    4x
    pts/dollar
    3.6%
    return

    4x on dining and grocery store purchases (excluding Target® and Walmart

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Walmart)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Walmart)

    Learn more →
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Quick summary

A short version of the recommendation with the main numbers and fallback option.

For Walmart store and Walmart.com purchases, Walmart OnePay CashRewards Card is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on Walmart with Walmart Plus. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Updated June 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/walmart

View source data
Top card
Walmart OnePay CashRewards Card
5x · 5.0%
No-fee fallback
Walmart OnePay CashRewards Card
5x · 5.0%
  • Walmart OnePay CashRewards Card: 5x and 5.0% effective return.
  • At $500/month, that's about $300/year in rewards value before bonuses.
  • Walmart OnePay CashRewards Card is the current no-fee fallback at 5x (5.0% effective return).
  • Methodology uses live earn rates, annual fees, and current point valuations.
Methodology Sources

Common Questions

What is the best credit card for Walmart?

The Walmart OnePay CashRewards Card is currently the top pick for Walmart store and Walmart.com purchases, earning 5x points per dollar — an effective 5.0% return.

How many points do you earn on Walmart purchases?

The top-rated card for Walmart store and Walmart.com purchases, the Walmart OnePay CashRewards Card, earns 5x per dollar — an effective return of 5.0%.

Is there a no-annual-fee card that earns rewards on Walmart?

Yes — the Walmart OnePay CashRewards Card earns 5x on Walmart store and Walmart.com purchases with no annual fee (5.0% effective return).

Is a premium card worth the annual fee for Walmart spending?

The Bilt Palladium Card ($495/yr) earns 2x on Walmart store and Walmart.com purchases. If you spend $1,031/month or more on walmart, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Walmart?

Walmart OnePay CashRewards Card: $300/yr, Blue Cash Everyday Card from American Express: $240/yr, Wyndham Rewards Earner Plus Card: $216/yr. The Walmart OnePay CashRewards Card earns the most at $500/month.

Do rotating category cards earn on Walmart?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature walmart as a 5% bonus category for one quarter per year. Year-round, a dedicated walmart card typically outperforms rotating category cards since you can't always count on the bonus.

Popular Walmart merchants

Related categories