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From consumer electronics to clothes to groceries, Walmart has something for nearly everyone. But consistently earning outsized rewards on purchases at the world’s largest retailer can be tough without juggling multiple cards.
Walmart does have a co-branded credit card program, and one of those cards can be quite valuable for shopping done with the mega-retailer. But depending on your shopping habits and level of devotion to Walmart, other credit cards could be a better fit for you.
Here are the best credit cards to use at Walmart.
OnePay CashRewards Card
Annual fee: $0.
Welcome offer: Earn $35 cash back when you open a OnePay Card & spend $75+ within 30 days.
Rewards: 3% cash back at Walmart (5% cash back for Walmart+ members) and 1.5% cash back on all other purchases.
Why we like it for Walmart: Walmart has two possible credit cards, both issued by Synchrony Bank. Of those options, the OnePay CashRewards Card is the ideal and most rewarding option. It can be used wherever Mastercard is accepted and earns an unlimited 5% cash back at Walmart for Walmart+ members and 3% cash back at Walmart for non-members. All other purchases earn 1.5% cash back. (If you don't qualify for this version of the card, you might be offered the OnePay Walmart Spend Card, which doesn't earn ongoing rewards and can be used only with the Walmart brand.) The ability to earn up to 5% back will be hard to beat for Walmart loyalists — though as noted, you'll need a Walmart+ membership to snag that higher rate. And while the credit card has no annual fee, Walmart+ costs $98 per year.
Blue Cash Everyday® Card from American Express
Annual fee: $0.
Welcome offer: You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
Rewards:
- 3% cash back on U.S. online retail purchases on up to $6,000 spent per year.
- 3% back at U.S. supermarkets on up to $6,000 spent per year.
- 3% back at U.S. gas stations on up to $6,000 spent per year.
- 1% back on other purchases.*
- Terms apply; see rates and fees.
Why we like it for Walmart: If you prefer online shopping but don't want to be locked in to the Walmart ecosystem, the Blue Cash Everyday® Card from American Express could be ideal, thanks to its broad "U.S. online retail purchases" category — meaning purchases you make at Walmart.com and other websites would be eligible to earn 3% back. Terms apply. Note, however, that there is an annual spending cap. Also be aware that Walmart does not qualify under the "U.S. supermarkets" category, however some Walmart Neighborhood Market locations may qualify.
U.S. Bank Shopper Cash Rewards® Visa Signature® Card
Annual fee: $0 intro for the first year, then $95.
Rewards:
- 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, from a list of 24 that includes Walmart. (See full list below.)
- 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category, including gas and EV charging stations, bills/home utilities or wholesale clubs. (Note: gas purchased at discount stores, supercenters and wholesale clubs doesn't qualify.)
- 1.5% back on all other qualifying purchases.
- 5.5% back on reservations for prepaid hotels and car rentals when you book through the U.S. Bank Rewards Center.
Full list of 6% merchants
- Ace Hardware.
- Apple.
- Amazon.com.
- Anthropologie.
- Bed, Bath, & Beyond.
- Best Buy.
- Chewy.com.
- Crate & Barrel.
- Disney.
- Home Depot.
- Ikea.
- Kohl's.
- Lowe's.
- Lululemon.
- Macy's.
- Menards.
- Nordstrom.
- Pottery Barn.
- QVC.
- Restoration Hardware.
- Target.
- Walmart.
- Wayfair.com.
- Williams Sonoma.
Why we like it for Walmart: The ability to earn 6% back on up to $1,500 in purchases each quarter gives this card the best potential earnings rate available at Walmart and Walmart.com. But that higher rate comes with more required attention. You’ll have to select Walmart as one of your bonus categories and reenroll at the start of each quarter. And that quarterly cap of $1,500 is shared across one other retailer you select for 6% back, so you’ll have to be mindful of your spending. Lastly, unlike a lot of other cash-back credit cards, this one has an annual fee. Still, if you can use the card strategically, it's a lucrative option.
Chase Freedom Flex®
Annual fee: $0.
Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards:
- 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter. Activation of bonus categories is required. (See the quarterly 5% bonus calendar.)
- 5% back on travel booked through Chase.
- 3% back on dining, including takeout and delivery services.
- 3% back on drugstore purchases.
- 5% back on qualifying Lyft services bought through the Lyft app for all cardholders through March 31, 2025.
- 1% on all other purchases.
Why we like it for Walmart: Although there’s no guarantee Walmart will always appear somewhere on the 5% bonus calendar for the Chase Freedom Flex®, history is on your side. The retailer has been a 5% category for the card in the fourth quarter of each year since the card's introduction in 2020. And although the Chase Freedom Flex® will earn only 1% back on Walmart purchases when it is not a bonus category, the card’s strong earning potential in other categories like dining and drugstores still make it an ideal choice for everyday spending.
Discover it® Cash Back
Annual fee: $0.
Welcome bonus: INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Rewards:
- 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation).
- 1% back on all other purchases.
Why we like it for Walmart: The Discover it® Cash Back is another card that earns 5% cash back on up to $1,500 each quarter in rotating categories when you activate (1% back on all other purchases). And Walmart is often included as one of these categories. The card also features a unique bonus that can supercharge your rewards earnings in the first year. Its "1% back on everything else" rewards tier, though, isn't as competitive with other 5% bonus-category cards.
PayPal Cashback Mastercard®
Annual fee: $0.
Sign-up bonus: None.
Rewards:
- 3% cash back on PayPal purchases.
- 1.5% back on all other purchases.
Why we like it for Walmart: The PayPal Cashback Mastercard® gives Walmart shoppers the ability to earn an unlimited 3% cash back by paying in store with the PayPal app or online by selecting PayPal as the payment method. For big spenders at Walmart, the uncapped rewards may be a big deal. And because PayPal is accepted as a payment method at a large number of other major retailers, cardholders have the ability to earn 3% back on everyday purchases outside Walmart. Just note that for any non-PayPal purchases, the card's rewards rate falls to a pedestrian 1.5% back.
Wells Fargo Active Cash® Card
Annual fee: $0.
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Rewards: 2% cash back on all eligible purchases.
Why we like it for Walmart:
If you prefer to have a go-to card that can earn solid rewards on all your purchases — Walmart included — the Wells Fargo Active Cash® Card is worth considering. You'll get a flat 2% cash back on all eligible spending, meaning you won't have to concern yourself with tracking categories, staying on top of spending caps or other requirements. It offers a healthy welcome bonus and an introductory offer. You can also finance a purchase or several, with a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, and then the ongoing APR of 18.49%, 24.49%, or 28.49% Variable APR.
*Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.
