Best Credit Cards to Use at Walmart

Although Walmart is frequently a quarterly bonus category for several cards, it will take some juggling to consistently maximize your rewards at the world's largest retailer.
Craig Joseph
By Craig Joseph 
Edited by Kenley Young

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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.

If you’re an optimizer, you’ll be able to earn at least 5% back on purchases at Walmart throughout the year. But if you prefer simplicity and just one card, you still have options.

Here are our choices for the best credit cards to use at Walmart.

Capital One® Walmart Rewards™ Mastercard®

Annual fee: $0.

Sign-up bonus: Earn 5% back on purchases in Walmart stores when you use this card in Walmart Pay for the first 12 months after approval.


  • 5% cash back on purchases at and items bought through the Walmart app. This includes items you buy online for in-store pickup as well as for Walmart grocery pickup and delivery. (Gift cards earn 2% back regardless of where they are bought.)

  • 2% back for in-store purchases, including those made at Murphy USA and Walmart gas stations.

  • 2% back on travel and at restaurants.

  • 1% back on all other purchases.

Why we like it for Walmart: For those who shop mostly online, the Capital One® Walmart Rewards™ Mastercard® provides excellent value by offering 5% back on almost everything you buy at the massive retailer, including groceries. Redeeming points is easy, with each point worth 1 cent regardless of whether you want cash back, gift cards or travel. But if you prefer to browse and shop in person, earning 2% back on in-store purchases (in addition to travel and restaurant purchases) is underwhelming for a retail-branded credit card. You can find several general credit cards that earn 2% back on all purchases, everywhere.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
NerdWallet rating 

Annual fee: $0.

Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.


  • 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 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.

U.S. Bank Shopper Cash Rewards™ Visa Signature® Card

U.S. Bank Shopper Cash Rewards™ Visa Signature ®Card
NerdWallet rating 

Annual fee: $0 intro for the first year, then $95.

Sign-up bonus: Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.


  • 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).

  • 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.

  • Ace Hardware.

  • Apple.


  • Anthropologie.

  • Bed, Bath, & Beyond.

  • Best Buy.


  • Crate & Barrel.

  • Disney.

  • Home Depot.

  • Ikea.

  • Kohl's.

  • Lowe's.

  • Lululemon.

  • Macy's.

  • Menards.

  • Nordstrom.

  • Pottery Barn.

  • QVC.

  • Restoration Hardware.

  • Target.

  • Walmart.


  • 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 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℠

Chase Freedom Flex
NerdWallet rating 

Annual fee: $0.

Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.


  • 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

Discover it® Cash Back
NerdWallet rating 

Annual fee: $0.

Sign-up bonus: INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. 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.


  • 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®

PayPal Cashback Mastercard
NerdWallet rating 

Annual fee: $0.

Sign-up bonus: None.


  • 3% cash back on PayPal purchases.

  • 2% 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.

To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.

Information about the Capital One® Walmart Rewards™ Mastercard® has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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