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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 →
  • 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 →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Walmart)

    Learn more →
Compare these 3 cards side by side

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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, Bilt Palladium Card: $240/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

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