Best Credit Cards for Walmart Purchases of November 2024

Short Review of Best Credit Cards for Walmart Purchases

Card's description:

Capital One SavorOne Cash Rewards Credit Card

With the Capital One SavorOne, you'll earn 1% cash back on all purchases. However, there are several common-spending bonus categories that have an unlimited 3% cash back rate. These are dining, entertainment, grocery stores, and popular streaming services (like Netflix and Hulu). It's an excellent choice for people who often go out. That's not just because of the rewards, but the extra benefits too – premium experiences, concierge service, and many more. Two more things worth mentioning – $0 annual fee and a 15-month 0% APR offer on purchases and transfers (19.99% - 29.99% after).

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Capital One Venture Rewards Credit Card

This card is the annual fee version of the Capital One VentureOne Rewards credit card. Naturally, with an annual fee, you can expect more generous rewards. So, for a cost of $95 per year, you'll get 2x miles on every purchase and a nice welcome offer – 75,000 bonus miles if you spend $4,000 in the first three months. Unlike its no-annual-fee counterpart, this card doesn't offer an intro APR period. Instead, there is a variable rate of 19.99% - 29.99%.

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Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver is not only great for Walmart purchases but all of them. It'll earn you an unlimited 1.5% cash back on every purchase. There is a $200 sign-up bonus with an easy-to-reach $500 spending requirement (in the first 3 months upon account opening). All purchases made during the first 15 months will be interest-free, with a variable APR of 19.99% - 29.99% after. The redemption options are very flexible, with no restrictions regarding minimum amounts or expiration dates. The card has no annual fee, and it's a good option for everyone who wants a simple, flat-rate credit card.

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Capital One Platinum Secured Credit Card

The Platinum Secured Mastercard® from Capital One is a card worth considering by credit builders. The refundable security deposit can be $49, $99, or $200, and you'll get an initial credit line of at least $200. After 6 months, you'll be automatically considered for a higher credit line. This card has no annual fee but has a relatively high APR of 28.49%. There is an option to check whether you prequalify, which won't hurt your credit score. Of course, once the card serves its purpose (credit score building), you should get one that earns you rewards.

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Celtic Bank Surge® Platinum Mastercard®

The Surge® Platinum Mastercard® is another card for all the credit builders out there. It has no annual fee and comes with an initial credit limit ranging from $300 to $1,000. Your account will get reviewed for a higher credit limit every 6 months, so make timely payments to get a limit increase. There is a high variable APR of 35.90%, so we recommend steering clear of carrying a balance. You'll get free access to your credit score every month, and Surge reports to all three major credit bureaus.

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Capital One Spark Miles for Business

The Capital One Spark® Miles is a business card that earns 2x miles on every purchase. It comes with a few useful features that'll help business owners with employee management – free employee cards with spending tracking and an option to set spending limits on them. Reaching the $4,500 spending threshold in the first 3 months will earn you 50,000 bonus miles worth $500 in travel. The variable APR is 26.24%, and there is a $95 annual fee (waived the first year).

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Chase Freedom Flex℠

What if we told you that it’s possible to earn 5% cash back at Walmart? Let us explain, and you can then proceed to crunch the numbers of your potential rewards. The Chase Freedom Flex℠ is a credit card with quarterly rotating bonus categories. That means that cardholders earn a generous 5% cash back every quarter in many popular spending categories. Occasionally, it happens that Walmart shows up as a quarterly bonus category. If you follow the rotating categories and plan your purchases accordingly, then watch the rewards pile up. Additionally, you’ll also earn 5% cash back on travel (if purchased through Chase), 3% at restaurants and drugstores, and 1% on everything else. If you spend $500 in the first 3 months, you’ll earn the $200 sign-up bonus. And, if you have a big purchase coming up, take advantage of the 15-month 0% APR offer on purchases and transfers (20.49% - 29.24% Variable after). Finally, there are many extra benefits and protections with this card, it’s almost unbelievable that it doesn’t have an annual fee.

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American Express® Blue Business Cash™

Business owners should definitely consider the American Express® Blue Business Cash™ credit card. It comes with a 2% cash back on all purchases, up to $50,000 spent annually (1% after). That is a reasonable target for businesses, so they could potentially earn $1,000 cash back (and more!). New cardholders can also earn a $250 statement credit after you spend $3,000 in the first 3 months after account opening. In the first year, you can make all necessary business purchases without incurring any interest. After the intro period ends (0% introductory APR on purchases for 12 months from the date of account opening), a variable APR of 18.49% - 26.49% will be applied. The AmEx offers are another plus - simple to use and can save your business some money. For example, currently, there is an offer of a 50% discount on FedEx purchases (up to $1,000). This card has no annual fee, so that’s one less cost to worry about.

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Capital One VentureOne Rewards Credit Card

This is another excellent no-annual-fee card with a flat rate, this time in the form of miles. The Capital One VentureOne Rewards offers 1.25x miles on all purchases. Don't let the 'miles' part confuse you; there are plenty of redemption options. Travel, of course, but also statement credit, gift cards, Amazon.com purchases, and many others. The welcome offer is 20,000 bonus miles, and you'll need to spend $500 in the first three months to earn it. A 12-month 0% APR offer is part of the deal, too, followed by a variable APR of 19.99% - 29.99%.

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Chase Freedom Unlimited®

The Chase Freedom Unlimited® is one of the few credit cards that have several bonus categories plus a great flat rate on all purchases. Travel purchased through Chase earns 5% cash back and 3% at restaurants and drugstore purchases. Everywhere else (including Walmart), you'll earn 1.5%. By spending $500 in the first 3 months, you’ll get the $200 welcome bonus. The card also offers a break from interest with its 15-month 0% APR offer on purchases and transfers, with a variable of 20.49% - 29.24% Variable after. Sounds terrific for a no-annual-fee card, right?

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Citi Double Cash

Of course, this list can't go without the top flat-rate credit card. With the Citi Double Cash, every purchase will earn you 2% cash back – 1% when you buy and 1% when you pay. This card provides interest relief by offering cardholders one of the longest intro APR offers – 18 months 0% APR on balance transfers (if made in the first 4 months). After that, it’s 19.24% - 29.24% Variable, based on your creditworthiness. Add to this the fact that it has no annual fee and flexible redemption options, and you get an excellent, trouble-free credit card.

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Chase Ink Business Unlimited®

The Ink Business Unlimited® credit card by Chase is one of the best business cards and, due to its 1.5% cash back rate on all purchases, can be great for Walmart shopping. There is a $750 sign-up bonus with a spending requirement of $6,000 in the first 3 months, which should be pretty easy for businesses to reach. The 12-month intro APR offer on purchases can be very beneficial for businesses with big purchases coming up. After the intro period ends, there is an ongoing variable APR of 18.49% - 24.49%. The card’s benefits include a few extra protections, travel and medical assistance, as well as free employee cards. You can say the absence of an annual fee with this card is another benefit.

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American Express® EveryDay® Preferred

The American Express® EveryDay® Preferred Credit Card makes for a great card for daily purchases with two popular-spending bonus categories. Cardholders will earn 3x points at U.S. supermarkets (up to $6,000 spent annually) and 2x points at U.S. gas stations. All other purchases, including Walmart, will earn you 1x points. A cool benefit is if you use your card at least 30 times in a single billing cycle, you will get 50% extra points for purchases made within that cycle. New cardholders can earn the 15,000-point welcome bonus by spending $2,000 in the first 6 months. Another great welcome offer is the 12-month 0% APR offer on purchases (18.24% - 28.24% after). Since the card can potentially earn you valuable rewards, those who spend enough will be able to justify the $95 annual fee easily.

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How to choose a credit card for shopping at Walmart?

Choosing a credit card is never easy since there are plenty of factors you need to consider. However, the most important ones are always your spending habits and financial situation. In this case, you should take into account how much you spend at Walmart.

Of course, the ultimate Walmart loyalists will get the most value from the Capital One Walmart Rewards®. This card offers the best rewards rates for Walmart purchases (5% online and 2% on in-store purchases). Apart from the rewards at Walmart, it doesn't have much to offer, just a modest rewards rate of 2% at restaurants and travel.

We have a special rewards calculator which can help you decide whether this card is the right one for you.

If you eventually decide that you don’t spend enough at Walmart to bother applying for this card, consider some other one from the list.

For example, card strategists who occasionally shop at Walmart could benefit from a card with quarterly rotating categories like the Chase Freedom Flex℠ and the Discover it® Cash Back. Both offer a 5% cash back rate on different bonus categories each quarter. Walmart has been a bonus category with the Chase Freedom Flex℠ before, and there's a great chance that'll happen again, while with the Discover it® Cash Back, you'll be able to earn 5% at Walmart.com in the last quarter of this year (Oct-Dec). The smart thing to do is make a list of some bigger purchases you want to make at Walmart throughout the year and buy them in the quarter with Walmart as a bonus category.

If cards with different categories each quarter aren't your cup of tea, and you'd rather have one that'll earn valuable rewards at Walmart through the whole year, a great choice would be a flat-rate rewards card.

We suggest looking at the Citi Double Cash (2%) or the Capital One Quicksilver (1.5%).

Finally, if you rarely shop at Walmart, it's best to go for a card with bonus categories that best fit your needs, but that also has a flat rate for all other purchases. The Chase Freedom Unlimited® is worth mentioning here since, in addition to great rewards for travel (5%), dining (3%), and drugstore purchases (3%), it offers 1.5% cash back on everything else.

Note: As we said before, another essential factor when deciding on a credit card is your financial situation, i.e., your credit score. The cards we've mentioned in this section all require good to excellent credit, which means that those with less-than-average credit don't really have good approval odds. If that's your case, consider getting a card like the Platinum Secured Mastercard® from Capital One or Surge® Platinum Mastercard® to build your credit. Once you do that, come back to this article, and find a better card that'll earn you rewards for Walmart purchases.

Which credit cards does Walmart accept?

You can shop at Walmart with the following credit cards: Visa, Mastercard, American Express, and Discover. For online shopping at Walmart.com, you can also use PayPal.

Is a credit card for Walmart purchases a good idea?

If you're thinking about getting a credit card, especially for Walmart purchases, make sure it's worth it. Our advice is to review your Walmart spending in the last year and calculate how much you could potentially earn with different credit cards.

As we've already mentioned, the best credit card for Walmart purchases is the Capital One Walmart Rewards® due to its high rewards rates. It also has a 2% cash back rate for restaurants and travel, but you can find credit cards with better rates in these categories. Although we’re talking about a no-annual-fee card that’ll cost you nothing to keep in your wallet (unless you carry a balance), if you don’t really shop at Walmart all the time, it’s better to apply for some other card on our list.

You may find more value with a non-Walmart option

Our list of best credit cards for Walmart purchases consists of 70 credit cards, which means that there are plenty of options. We’ve already covered how to determine whether the co-branded Capital One Walmart Rewards® is the right choice for you. It’s a great card, but there are plenty of other ones that could give you more value. For example, the Discover it® Cash Back offers the same cash back rate, 5%, at Walmart.com from October to December this year, plus other popular bonus categories each quarter. Also, after the intro period where you earn 5% cash back for in-store Walmart purchases (if you pay with your card through Walmart Pay), you'll earn only 2%. You can also earn that rate with a card like the Discover it® Cash Back which offers 2% on all purchases.