Best credit cards for shopping at Walmart (2026)

Personal Finance / Credit Cards Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure . Best credit cards for shopping at Walmart (2026) Ben Walker (CEPF, CFEI®) · Senior Writer, Credit Cards Tue, September 1, 2026 at 9:06 PM GMT+2 8 min read Best credit cards for Walmart shopping (2026) Capital One Venture Rewards Credit Card Learn more Blue Cash Everyday® Card from American Express Best for online shopping Rates & fees, terms apply Learn more Chase Freedom Flex® Best for rotating categories Learn more Citi Double Cash® Credit Card Best for unlimited cash back Learn more U.

S. Bank Shopper Cash Rewards® Visa Signature® Card (no longer accepting applications) Best for high rewards rate Learn more Discover it® Cash Back Best for rotating categories Learn more Learn more Capital One Venture Rewards Credit Card Best for earning travel rewards Add to Compare Annual fee $95 Welcome offer Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel Card type(s) Travel Purchase APR 19. 49% - 28.

49% variable Recommended credit score Good, Excellent Rewards rate 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Travel 2x miles on all other purchases Benefits Receive up to a $120 statement credit for Global Entry or TSA Precheck® application fees Receive a $50 experience credit, room upgrades, and early check-in at eligible hotels Access Hertz's Five Star membership tier, offering free upgrades, a wider selection of vehicles, and more Why we like it: The Capital One Venture Rewards makes sense if you want to earn travel rewards on your everyday purchases. It's easy to use and provides a flexible rewards rate that works with any eligible purchase. That's especially useful because Walmart stores aren't typically categorized as a "grocery store" or "supermarket" for credit card purchases.

Read our full Capital One Venture Rewards review Learn more Blue Cash Everyday® Card from American Express Best for online shopping Rates & fees, terms apply Add to Compare Annual fee $0 Welcome offer As high as $200 cash back after spending $2,000 within 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) Card type(s) Cash-back Introductory Purchases APR 0% on purchases for 15 months Ongoing Purchases APR 19. 49%-28.

49% Variable Introductory Balance Transfer APR 0% on balance transfers for 15 months Ongoing Balance Transfer APR 19. 49%-28. 49% Variable Recommended credit score Excellent, Good Rewards rate 3% cash back at U.

S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%) 3% cash back on U. S.

online retail purchases (on up to $6,000 per year in eligible purchases, then 1%) 3% cash back at U. S. gas stations (on up to $6,000 per year in eligible purchases, then 1%) 1% cash back on all other purchases Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.

com at checkout Benefits Generous intro APR on purchases and balance transfers Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus. com, Hulu. com, or Stream.

ESPN. com U. S.

websites (subject to auto-renewal) Why we like it: The Blue Cash Everyday is an excellent gas and grocery card, but those types of purchases don't typically apply to Walmart. However, this card also offers 3% cash back on US online retail purchases of up to $6,000 per year, then 1%*. This category includes purchases on Walmart.

com. Some reports say that using Walmart Pay in-store could also trigger this spending category. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.

com at checkout Read our full Amex Blue Cash Everyday review Learn more Wells Fargo Active Cash® Card Best for unlimited cash rewards Rates & fees, terms apply Annual fee $0 Welcome offer Earn a $100 cash rewards bonus after spending $500 in purchases in the first 3 months Introductory Purchases APR 0% intro APR for 12 months from account opening on purchases Ongoing Purchases APR 18. 49%, 24. 49%, or 28.

49% Variable APR Introductory Balance Transfer APR 0% intro APR for 12 months from account opening on qualifying balance transfers Ongoing Balance Transfer APR 18. 49%, 24. 49%, or 28.

49% Variable APR Rewards rate Earn unlimited 2% cash rewards on purchases Benefits Get up to $600 of cell phone protection against damage or theft ($25 deductible applies) Pay-per-use 24/7 roadside dispatch assistance Auto rental collision damage waiver coverage Why we like it: The Wells Fargo Active Cash is easy to use because of its unlimited flat earning rate. You can use it at Walmart or any other retailer. The intro APR offer on purchases can be useful if you have large upcoming purchases at Walmart.

Learn more Chase Freedom Flex® Best for rotating categories Annual fee $0 Welcome offer Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening Introductory Purchases APR 0% Intro APR on Purchases for 15 months Ongoing Purchases APR 18. 24% - 27. 74% Variable Introductory Balance Transfer APR 0% Intro APR on Balance Transfers for 15 months Ongoing Balance Transfer APR 18.

24% - 27. 74% Variable Rewards rate 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate 5% cash back on travel purchased through Chase Travel℠ 3% cash back on dining (including takeout) and drug stores 1% cash back on all other purchases Benefits No minimum to redeem for cash back Enjoy perks like extended warranty protection, trip cancellation insurance, cell phone protection, and auto rental collision damage waiver Intro APR available Why we like it: The Chase Freedom Flex can provide up to 5% cash back on Walmart purchases if you activate the offer while Walmart is one of the current rotating categories. Walmart has been selected as a rotating category multiple times over the years.

  PayPal is another common Chase Freedom rotating category and an accepted payment method for Walmart. com purchases. Read our full Chase Freedom Unlimited® vs.

Freedom Flex comparison Learn more Citi Double Cash® Credit Card Best for unlimited cash back Annual fee $0 Welcome offer Earn $200 cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back) Card type(s) Cash-back, Balance transfer Introductory APR 0% intro APR on balance transfers for the first 18 months (variable APR applies after that) Purchase APR See issuer site for current APR Rewards rate 5% cash back on hotel, car rentals, and attractions booked on the Citi Travel℠ 2% cash back on every purchase with unlimited 1% cash back when you buy Earn an additional 1% as you pay for your purchases (to earn cash back, pay at least the minimum due on time) Benefits Generous intro APR on balance transfers Why we like it: The Citi Double Cash is a straightforward cash-back credit card that you can easily use as the only card in your wallet. With its simple earning rate, you don't have to worry about different types of spending categories, which is helpful at stores like Walmart.   Read our full Citi Double Cash review Learn more U.

S. Bank Shopper Cash Rewards® Visa Signature® Card (no longer accepting applications) Best for high rewards rate Annual fee $0 for the first year, then $95 Card type(s) Cash-back, Rewards Purchase APR See issuer site for current APR Recommended credit score Good, excellent Rewards rate 6% cash back on the first $1,500 in combined purchases each quarter with two retailers of your choice 5. 5% cash back on hotel and car reservations booked directly in the Rewards Travel Center 3% cash back on the first $1,500 in purchases each quarter on one everyday category of your choice (like wholesale clubs, gas and EV charging stations, bills and utilities) 1.

5% cash back on all other purchases Benefits Retailers eligible for 6% cash back include Target, Walmart, and Amazon. com Categories eligible for 3% cash back include bills and utilities, gas and EV charging stations, and wholesale clubs Access to ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and avoid paying interest charges on eligible purchases More details: For the 6% category, you can choose from retailers like Apple , Amazon, Best Buy, Disney, Home Depot, IKEA, Kohl's, Lowe's, Macy's, Target, Walmart, and more. Why we like it: If you choose Walmart as one of your selected retailers, you can earn 6% cash back on up to $1,500 each quarter.

That's potentially $90 in cash-back rewards per quarter or $360 per year, which isn't a bad return for frequent Walmart shoppers. You can also choose another retailer each quarter if you don't always shop at Walmart. Learn more Discover it® Cash Back Best for rotating categories Annual fee $0 Welcome offer Discover will automatically match all the cash back you’ve earned at the end of your first year, with no minimum spending requirement or maximum rewards cap Card type(s) Cash-back Introductory APR 0% intro APR on purchases and balance transfers for the first 15 months (variable APR applies after that) Purchase APR See issuer site for current APR Recommended credit score Good to Excellent Rewards rate 5% cash back on everyday purchases at different places each quarter — including grocery stores, restaurants, gas stations, and more — up to the quarterly maximum 1% unlimited cash back on all other purchases Benefits Redeem your rewards for cash at any time Generous intro APR for purchases and balance transfers Why we like it: The Discover it Cash Back Credit Card has provided multiple rotating categories in the past that could be helpful for Walmart purchases: Walmart in Q3 2024 Digital wallets in Q3 2023 Digital wallets in Q4 2022 PayPal in Q3 2022 Check out Discover's current categories for this quarter.

Business credit cards to consider for Walmart purchases Learn more The Blue Business® Plus Credit Card from American Express Rates & fees, terms apply Add to Compare Annual fee $0 Welcome offer 15,000 Membership Rewards® Points after spending $3,000 in first 3 months Card type(s) Business Introductory Purchases APR 0% on purchases for 12 months from date of account opening Ongoing Purchases APR 16. 74% - 28. 49% Variable Recommended credit score Excellent, Good Rewards rate 2x points on everyday business purchases such as office supplies or client dinners (applies to the first $50,000 in purchases per year, 1x after that).

Terms and limitations apply. Why we like it: The Amex Blue Business Plus provides a flexible earning rate and an intro APR offer on purchases. This makes it an ideal choice for small business owners who don't want to worry about confusing spending categories and might have upcoming significant expenses at Walmart or other retailers.

Learn more Ink Business Unlimited® Credit Card Add to Compare Annual fee $0 Welcome offer Earn $1,000 bonus cash back after spending $8,000 in the first 4 months Card type(s) Business, Travel Ongoing Purchases APR 16. 74% - 24. 74% Variable Introductory Purchases APR 0% Intro APR on Purchases for 12 Months Recommended credit score Good, Excellent Rewards rate 1.

5% unlimited cash back on every business purchase Benefits $0 annual fee Generous intro APR on purchases You won't be held responsible for unauthorized charges made with your card or account information Why we like it: The Ink Business Unlimited has a slightly lower earning rate than the Amex Blue Business Plus, but there's no spending cap and you get more redemption options, like flights and hotel stays through the Chase travel portal. This card also provides an intro APR offer on purchases. Read our full Chase Ink Business Unlimited review Learn more Capital One Spark Miles for Business Add to Compare Annual fee $0 for the first year, then $95 Welcome offer Earn 50,000 bonus miles after spending $4,500 within the first 3 months Card type(s) Business, Travel Purchase APR 24.

49% variable Recommended credit score Good, Excellent Rewards rate Unlimited 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel 2x miles on all other purchases Why we like it: Earning at least 2x miles on every eligible purchase, with no spending cap, could be an excellent option for many high-spending businesses. That's especially true if you prefer using your Capital One Spark Miles rewards for travel redemptions, including transfers to over 15 travel partners. Read our full Capital One Spark Miles review How to maximize your shopping at Walmart 1.

Have a plan Going shopping without a strategy makes it easier to overspend. List everything your family needs, ordered by importance. So, for the necessities on your list, place those at the top and keep the nice-to-haves at the bottom.

2. Use a rewards credit card The average shopper visits Walmart 67 times each year and spends an average of $54 each time, according to the Capital One Shopping Research . That adds up to $3,618 spent annually at the retailer.

Here's how much you could earn in rewards if you were to use a rewards credit card for that amount: Earning $100 or more is a nice savings that can act like a discount on future purchases, whether you're using the rewards for shopping, dining, travel, or something else. Even better, there's no real downside to using credit cards, as long as you only spend what you can afford and always make full and on-time payments. 3.

Look for coupons and discounts Walmart doesn't have a coupon program, but you can use manufacturer coupons and offers. You can use paper manufacturer coupons while making in-store purchases at checkout or add offers to your account using the Walmart app or Walmart. com.

After successfully using an offer, Walmart Cash is added to your account. You can redeem Walmart Cash to pay for purchases online or in store, or you can cash it out in store. For general savings deals at Walmart, we recommend looking for "Rollback" and "Reduced price" tags on Walmart.

com. 4. Use Walmart+ Launched in 2020, Walmart's membership program has a lot to offer, including free shipping with no order minimum — which can be extremely valuable depending on your situation.

With free shipping, you can do all your Walmart shopping without leaving your home. Shopping online can also make it easier to compare prices and search for savings. This could be especially useful on big-ticket items such as laptops and other electronics, where a small (5% to 15%) discount might mean big savings for you.

If you're interested in Walmart+, these credit cards can completely cover the subscription cost, including taxes, for you: American Express Platinum Card® American Express® Business Gold Card Read more: Target Circle 360 vs. Walmart+ and Amazon Prime 5. Consider used or refurbished items Buying used or refurbished items, especially for large purchases such as electronics, can help you save money.

The Walmart Restored program offers refurbished items from top brands that have been inspected, tested, and cleaned by experts — all available at a lower price than what you would typically pay. 6. Track prices If possible, we suggest tracking costs to see if something you've purchased goes down in price.

In some cases, you might be able to return an item and repurchase it at a lower price, saving you some cash. From our experience, Walmart has a decent return policy, typically giving you 90 days to return or replace an item. How to choose the best credit card for Walmart Eligibility requirements: The best rewards credit cards typically require a good to excellent credit score, which is at least a 670 FICO Score.

Annual fee: Yearly fees immediately detract from a card's value, but depending on your desired rewards and benefits, cards with annual fees could be worth it. Rewards: Most rewards cards earn points, miles, or cash back, and different cards can have different spending categories, such as earning elevated rewards on dining and grocery purchases or earning a flat rate on all eligible purchases. Intro APR offer: A 0% introductory APR offer on purchases is an excellent way to avoid paying interest for a certain period of time.

That could be especially helpful if you have upcoming large expenses, such as holiday shopping. Perks and benefits: Some of our favorite card benefits for Walmart purchases include a free Walmart+ membership, purchase protection, and extended warranty protection. This embedded content is not available in your region.

Frequently asked questions (FAQs) for Walmart credit cards How do you get 5% cash back at Walmart? The Capital One Walmart Rewards® Mastercard® previously offered 5% cash back at Walmart. com, but Capital One and Walmart ended their exclusive agreement in May 2024 and the card is no longer accepting new applicants.

Here are some other cards with high earning potential at Walmart or Walmart. com: Blue Cash Everyday Card from American Express Chase Freedom Flex Credit Card Discover it Cash Back Credit Card U. S.

Bank Shopper Cash Rewards Visa Signature Card Which credit card offers free Walmart+? The Platinum Card® from American Express and American Express® Business Gold Card offer statement credits for monthly Walmart+ memberships. With each card, you must pay for a monthly Walmart+ membership (subject to auto-renewal) to receive up to $12.

95 plus applicable taxes as a monthly statement credit. What credit card company does Walmart use? Capital One was the exclusive issuer of Walmart credit cards until the partnership ended in May 2024.

Existing Capital One Walmart cardholders can continue using their cards and earning rewards until Capital One makes changes. Our methodology We used existing rubrics for cash-back credit cards, travel credit cards, and business credit cards to compare over 100 products to find the best credit cards for Walmart. These rubrics measured various factors contributing to a final rating, including rewards, fees, and introductory APR offers.

We selected the best cards from these rubrics and used our experience, research, and expert opinion to narrow the options. Our final list includes a variety of cards that make sense for different goals and preferences when it comes to shopping at Walmart. This article was edited by Alicia Hahn Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser.

All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty.

Check the bank's website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.

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