Rewards, No Annual Fee, Daily use
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Best Credit Cards for Walmart Purchases of November 2022

Walmart is a one-stop-shop for almost anything you need, from groceries to electronic gadgets, to new prescription glasses and a whole lot more. It’s no wonder that, in 2020, around 260 million Americans shopped there every week. We’ll let you know how to get some rewards for all those big (and small) Walmart purchases. Hint: It’s not by getting a card with high rewards rates at grocery stores since Walmart does not classify as one. It’s actually a superstore, so credit cards exclude it from the grocery’s bonus category. So, this article is for all the Walmart fans out there. We made sure to include different kinds of cards - co-branded, flat-rate, rotating categories, personal and business. Read the text carefully and thank us later!

By Hanna Volkava
Updated November 29, 2022

Best Credit Cards for Walmart purchases in November 2022

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Capital One VentureOne Rewards Credit Card best for Rewards, No Annual Fee, Daily use

VentureOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.72
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 1.25x Miles per dollar on all purchases.
  • Intro Offer:
    • 20,000x Bonus miles once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 17.99% - 27.99% variable APR applies after that.

    The Card doesn't charge an annual fee. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No annual fee
    • No Foreign Transaction Fee
    • 15-month 0% APR intro offer
    • Bonus for New Members
  • Cons:
    • Lower Reward Rates
    • High APR
  • Benefits:
    • 20,000 bonus miles (once you spend $500 on purchases within the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 1.25x miles per dollar on every purchase;
    • $0 Fraud Liability;
    • The Eno assistant;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Emergency Card Replacement;
    • 24/7 Customer Service;
    • Premier Culinary Experiences;
    • Must-See Music Events;
    • Big-time Sports Events.
View all VentureOne Rewards details
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Card detail

Capital One SavorOne Cash Rewards Credit Card best for Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use

SavorOne Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.36
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $200 Cash bonus once you spend $500 on purchases within the first 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One SavorOne Rewards Credit Card offers 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

    The SavorOne Rewards Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.99% - 27.99%. The card has a balance transfer fee of 3%.

  • Pros:
    • High rewards rates on dining, entertainment, and grocery stores
    • One-time bonus
    • Introductory 0% APR on purchases
    • No annual fee
    • No foreign transaction fees
  • Cons:
    • No rewards for travel purchases
    • Excellent credit score needed
  • Benefits:
    • $200 cash bonus (once you spend $500 on purchases within the first 3 months from account opening);
    • 1% Cash Back on all other purchases;
    • No Foreign Transaction Fees;
    • Complimentary Concierge Service;
    • Extended Warranty;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services.
View all SavorOne details
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Card detail

Capital One Venture Rewards Credit Card best for Travel, Daily use

Venture Rewards Capital One
Annual fee:
$95 annually
Regular APR:
18.99% - 26.99% Variable
Our Rating:
3.52
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
    • 2x Miles on all purchases.
  • Intro Offer:
    • 75,000x Bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
  • Balance Transfer APR:
    18.99% - 26.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Venture Rewards Credit Card offers rewards of 2 miles for every $1 spent on all purchases, plus 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

    The Capital One Venture Rewards Credit Card's APR: 18.99% - 26.99% (Variable). The card has an annual fee of $95. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    As a travel card, your primary redemption options are to book travel through the Capital One rewards portal, receive a statement credit for recent eligible travel purchases (within the last 90 days) or transfer miles to partner airline and hotel programs.

  • Pros:
    • No Foreign Transaction Fee
    • High rewards rate
    • Flexible rewards redemption
    • Sign-up bonus
  • Cons:
    • Annual Fee
    • No intro APR offer
    • Miles transfer to airline partners is less than 1:1
  • Benefits:
    • 75,000 bonus miles (when you spend $4,000 on purchases in the first 3 months from account opening);
    • 5x miles on hotels and car rentals;
    • 2x miles on all purchases;
    • $0 Fraud Liability;
    • 24/7 Customer Service;
    • The Eno assistant;
    • 24-Hour Travel Assistance Services;
    • Global Entry or TSA Precheck Credit;
    • Auto Rental Collision Damage Waiver;
    • Travel Accident Insurance;
    • Transfer Your Miles;
    • Capital One Shopping;
    • Shop With Your Rewards;
    • Premier Culinary Experiences;
    • Big-time Sports Events;
    • Must-See Music Events.
View all Venture Rewards details
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Card detail

Capital One Walmart Rewards® Mastercard® best for Walmart purchases

Capital One Walmart Rewards®
Annual fee:
$0
Regular APR:
17.99% - 27.74% Variable
Our Rating:
4.12
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 5% Cash Back at Walmart.com, including pickup and delivery.
    • 2% Cash Back in Walmart stores, at restaurants and on travel.
    • 1% Everywhere else Mastercard® is accepted.
  • Intro Offer:
    • 5% Cash Back in Walmart stores for the first 12 months after approval when you use your Card with Walmart Pay.
  • Balance Transfer APR:
    17.99% - 27.74% Variable
  • Issuer name:
    Capital One
  • Details:

    The Walmart Rewards® is a card for people who regularly shop at Walmart.

    The Card's APR: 17.99% – 27.74% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    The Walmart Rewards® Card earns 5% Cash Back on in-store purchases for the first 12 months when using Walmart Pay. The card offers 5% Cash Back at Walmart.com, including pickup & delivery; 2% Cash Back in Walmart stores, at restaurants and on travel; 1% Cash Back everywhere else Mastercard is accepted.

    The Walmart Rewards® Card charges no annual fee and no foreign transaction fee.

  • Pros:
    • No annual fee
    • No foreign transaction fee
  • Cons:
    • No 0% intro APR period
  • Benefits:
    • 5% Cash Back in Walmart stores (for the first 12 months);
    • 5% Cash Back at Walmart.com;
    • 2% Cash Back in Walmart stores, at restaurants and on travel;
    • 1% Cash Back on all other purchases;
    • $0 Fraud Liability.
View all Walmart Rewards® details
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Capital One Quicksilver Cash Rewards Credit Card best for Cash Back, No Annual Fee, Daily use

Quicksilver Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
4.58
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $200 Cash Bonus once you spend $500 on purchases within 3 months from account opening.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months that your account is open, 17.99% - 27.99% variable APR after that
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Quicksilver Credit Card from Capital One® offers 1.5% Cash Back on all purchases with a $0 annual fee. It also offers a 0% intro on purchases and balance transfers for 15 months, followed by the standard APR of 17.99% - 27.99% (Variable). The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

    New cardholders will have the opportunity to earn a bonus: One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.

  • Pros:
    • No minimum redemption is required
    • No annual fee
    • No foreign transaction fees
    • Intro APR period on Purchases
    • Generous sign-up bonus
  • Cons:
    • No bonus rewards categories
    • Other cards offer longer intro APR periods and/or lower APR
    • You need a good credit score to get this card
  • Benefits:
    • $200 Cash Bonus (once you spend $500 on purchases within 3 months from account opening);
    • Unlimited 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Complimentary Concierge Service;
    • Travel Accident Insurance;
    • 24-hour Travel Assistance Services;
    • Capital One Shopping;
    • Shop With Your Rewards.
View all Quicksilver details
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Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The QuicksilverOne Credit Card from Capital One gives you 1.5% Cash Back on every purchase. The Card has an annual fee of $39.

    The QuicksilverOne Card has an APR of 28.49% Variable.

  • Pros:
    • Unlimited high rewards rate
    • Average credit score required
    • Automatically considered for a higher credit line after 6 months
    • No foreign transaction fees
  • Cons:
    • Annual fee
    • High APR
    • No bonus rewards categories
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
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Card detail
Capital One® Quicksilver Secured Cash Rewards
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.14
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One® Quicksilver Secured Cash Rewards Credit Card offers unlimited 1.5% Cash Back on all purchases with a $0 annual fee.

    The APR for purchases and balance transfers is 28.49 Variable. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
  • Cons:
    • No Intro APR period
    • High APR
    • No welcome bonus
  • Benefits:
    • 1.5% Cash Back on every purchase;
    • $0 Fraud Liability;
    • Emergency Card Replacement;
    • Capital One® Travel.
View all Quicksilver Secured Cash Rewards details
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Capital One Quicksilver Student Cash Rewards Credit Card best for International students

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending. The Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (none for balances transferred at the Transfer APR).

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 bonus (once you spend $100 on purchases within 3 months from account opening);
    • 1.5% Cash Back on every purchase;
    • Fraud Liability;
    • Extended Warranty;
    • Travel Accident Insurance;
    • Capital One Shopping;
    • Complimentary Concierge Service;
    • 24-hour Travel Assistance Services.
View all Quicksilver Student Cash Rewards details
Apply now
On Capital One‘s site
Card detail

Upgrade Cash Rewards Visa® best for Good credit score

Upgrade Cash Rewards Visa®
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
4.35
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 1.5% Cash Back on payments.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions. *
  • Details:

    The Upgrade Cash Rewards Visa® offers 1.5% Cash Back on payments.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Read full review

  • Pros:
    • No Foreign Transaction Fee
    • No Annual fee
    • No extra fees
  • Cons:
    • No Intro APR reriod
  • Benefits:
    • $200 bonus;
    • 1.5% Cash Back;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Cash Rewards Visa® details
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Card detail

Capital One Platinum Secured Credit Card best for Single mom, Without SSN

Secured Mastercard® Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.44
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    The Secured Mastercard® from Capital One is for people who want to improve their credit scores. The Card has no annual fee. It requires a security deposit when you’re approved.

    The card's APR is 28.49% (Variable).

    You’ll get access to CreditWise® from Capital One, which will automatically alert you to changes on your TransUnion or Experian credit reports.

    The Secured Mastercard from Capital One comes with a surprising number of travel perks, including no foreign transaction fees, travel accident insurance, 24-hour travel assistance services and secondary auto rental coverage.

    Cardholders will also receive extended warranty coverage for items purchased that already come with a manufacturer’s warranty.

  • Pros:
    • Low initial deposit amount of $49, $99, or $200
    • You can increase the credit line up to $1000
    • No annual fee
    • Automatic credit line reviews
    • Credit building
  • Cons:
    • High APR
    • Low credit limit
    • No rewards program
  • Benefits:
    • $0 Fraud Liability;
    • Refundable Deposit;
    • Capital One CreditWise;
    • Eno®, your Capital One assistant;
    • Virtual Card Numbers from Eno;
    • Emergency Card Replacement;
    • ATM Location Services;
    • MasterRental Coverage;
    • 24/7 Customer Service.
View all Platinum Secured Mastercard® details
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Card detail
Upgrade Triple Cash Rewards Visa® Upgrade
Annual fee:
$0
Regular APR:
14.99% - 29.99% Regular
Our Rating:
3.53
scorer
Credit score
Fair to Excellent (580-799)
  • Rewards Rate:
    • 3% Cash Back on Home, Auto and Health categories.
    • 1% Cash Back on everything else.
  • Intro Offer:
    • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
  • Details:

    The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

    Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

    The card's APR: 14.99% - 29.99% (Regular APR).

    Apply online and get a credit line from $500 to $25,000 with your Card.

    Read full review

  • Pros:
    • Every Purchase Earns You Cash Back
    • Increased Cash Back for Three Categories
    • Forget About Fees
    • No Limits Abroad
  • Cons:
    • You Can’t Withdraw Cash
    • Cash Back Doesn’t Satisfy Your Monthly Payments
  • Benefits:
    • $200 bonus;
    • 3% Cash Back on home, auto and health purchase;
    • 1% Cash Back on everything else;
    • Сontactless card technology.

    *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

View all Upgrade Triple Cash Rewards Visa® details
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Card detail

Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

Celtic Bank Surge® Platinum Mastercard®
Annual fee:
$75 - $99 annually
$99 annually
Regular APR:
24.99% - 29.99% Variable
Our Rating:
3.2
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Celtic Bank
    • Details:

      The Surge® Platinum Mastercard® credit card's APR range from 24.99% to 29.99%, based on creditworthiness.

      The Surge® Platinum Mastercard® has an annual fee of $75 to $99 (after that $99 annually).

      Monthly Maintenance Fee: $0 - $120 annually (billed at $0 - $10.00 per month).

      There’s also an additional one-time card fee of $30, if applicable. The card has a cash advance fee of 5 percent of the cash advance amount or $5, whichever is greater.

      This unsecured credit card can be used as an effective tool to build credit as the issuer reports your monthly payments to the three major credit bureaus — TransUnion, Experian, Equifax.

      Read full review

    • Pros:
      • Monthly Credit Reporting
      • Free Monthly Credit Score
      • Potential Credit Limit Increase After 6 Months
      • Prequalification Without a Hard Check
    • Cons:
      • High Annual Fee
      • Relatively Low Credit Limit
      • Foreign Transaction Fee
      • Monthly Maintenance Fee After the 1st year
      • High APR
    • Benefits:
      • $0 Fraud Liability;
      • Monthly reporting to the three major credit bureaus;
      • Possible credit limit increase after just six months;
      • Free Monthly Credit Score.
    View all Surge® Platinum Mastercard® details
    Apply now
    On Celtic Bank‘s site
    Card detail

    Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

    Deserve EDU Celtic Bank
    Annual fee:
    $0
    Regular APR:
    22.49% Variable
    Our Rating:
    3.5
    scorer
    Credit score
    No Credit History to Excellent (0-799)
    • Rewards Rate:
      • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
    • Issuer name:
      Celtic Bank
    • Details:

      The Deserve EDU Card makes it easy for students to start building credit.

      The Card's APR is 22.49% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

      Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

      Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

      Read full review

    • Pros:
      • No prior credit history required
      • No SSN Required
      • No Annual Fee
      • No
      • Transactions Fees
      • No Co-Signer/ Deposit Required
    • Cons:
      • Relatively High APR
      • Fairly Low Rewards
      • Only for Students
    • Benefits:
      • Cellphone Protection;
      • Collision Damage Waiver;
      • Concierge Service;
      • No International Transaction Fees;
      • Priority Pass™ Membership;
      • Mastercard Benefits;
      • No Social Security Number required for international students to apply.
    View all Deserve EDU details
    Apply now
    On Celtic Bank‘s site
    Card detail

    Capital One Spark Miles for Business best for Walmart purchases

    Capital One Spark® Miles
    Annual fee:
    $0 intro for the first year
    $95 thereafter
    Regular APR:
    23.99% Variable
    Our Rating:
    4.26
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5x Miles on hotels and rental cars booked through Capital One Travel.
      • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
    • Intro Offer:
      • 50,000x Earn a one-time bonus once you spend $4,500 on purchases within the first 3 months of account opening.
    • Balance Transfer APR:
      23.99% Variable
    • Issuer name:
      Capital One
    • Details:

      The Capital One Spark® Miles for Business Credit Card has an annual fee of $0 (intro for the first year), then $95. The Card offers 2x miles on every purchase for your business and 5x miles on hotels and car rentals.

      The Card's APR for both purchases and transfers is 23.99%.

      The Capital One Spark® Miles for Business Card offers 50,000 miles once you spend $4,500 on purchases within the first 3 months of account opening.

      Use your miles on flights, hotels, vacation packages and more-you can even transfer miles to any of 15+ travel partners.

    • Pros:
      • Attractive sign-up bonus
      • No foreign transaction fees
    • Cons:
      • No 0% APR period
      • Annual fee after the first year
    • Benefits:
      • 50,000 bonus miles ( once you spend $4,500 on purchases within the first 3 months of account opening);
      • 5x miles on hotels and car rentals;
      • 2x miles on all purchases;
      • $0 Fraud Liability;
      • $100 Travel Credit;
      • Capital One Lounge.
    View all Spark® Miles details
    Apply now
    On Capital One‘s site
    Card detail
    Capital One® Spark Cash Plus
    Annual fee:
    $150 annually
    Regular APR:
    None *
    Our Rating:
    3.62
    scorer
    Credit score
    Excellent (740-799)
    • Rewards Rate:
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
      • 2% Cash Back for your business on every purchase.
    • Intro Offer:
      • $1,000 Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.
    • Purchase Intro APR:
      None *
    • Balance Transfer APR:
      None *
    • Issuer name:
      Capital One
    • Details:

      The Capital One® Spark Cash Plus Credit Card earns 5% Cash Back on hotels and rental cars booked through Capital One Travel and 2% Cash Back on every purchase.

      The Card has no APR because your balance is due in full every month.

      Earn up to $1,000 in the first 6 months, $500 once you spend $5,000 in the first 3 months and $500 once you spend $50,000 in the first 6 months.

      The Card's annual fee is $150.

    • Pros:
      • No foreign transaction fees
    • Cons:
      • Annual Fee
    • Benefits:
      • Up to $1,000 in the first 6 months;
      • $200 cash bonus every year you spend $200,000 or more;
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
      • 2% Cash Back on every purchase;
      • Roadside Assistance;
      • Free Employee Cards;
      • Extended Warranty;
      • $0 Fraud Liability.
    View all Spark Cash Plus details
    Apply now
    On Capital One‘s site
    Card detail
    Capital One® Spark® Cash Select
    Annual fee:
    $0
    Regular APR:
    16.24% - 22.24% Variable
    Our Rating:
    5
    scorer
    Credit score
    Excellent (740-799)
    • Rewards Rate:
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
      • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
    • Intro Offer:
      • $500 Cash bonus once you spend $4,500 on purchases within the first 3 months from account opening.
    • Balance Transfer APR:
      16.24% - 22.24% Variable
    • Issuer name:
      Capital One
    • Details:

      The Capital One® Spark® Cash Select Credit Card earns a $500 cash bonus once you spend $4,500 on purchases within the first 3 months from account opening. The Card offers 5% Cash Back on hotels and rental cars booked through Capital One Travel, 1.5% Cash Back for your business on every purchase.

      The Spark® Cash Select Card doesn't charge an annual fee.

      The card's APR is 16.24% - 22.24%.

    • Pros:
      • No Annual Fee
      • No Foreign Transaction Fee
    • Cons:
      • No Intro APR period
    • Benefits:
      • $500 cash bonus (once you spend $4,500 on purchases within the first 3 months from account opening);
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
      • 1.5% Cash Back for your business on every purchase;
      • $0 Fraud Liability;
      • Free Employee Cards;
      • Roadside Assistance.
    View all Spark® Cash Select details
    Apply now
    On Capital One‘s site
    Card detail

    Chase Freedom Flex℠ best for Cash Back, 0 APR, No Annual Fee, Daily use

    Chase Freedom Flex℠
    Annual fee:
    $0
    Regular APR:
    17.24% - 25.99% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • 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 Ultimate Rewards.
      • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1% Cash Back on all other purchases.
    • Intro Offer:
      • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
      • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
    • Purchase Intro APR:
      0% Intro APR for the first 15 months that your Account is open
    • Balance Transfer APR:
      17.24% - 25.99% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

      You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). Plus, earn 5% Cash Back on gas on up to $6,000 spent in the first year. You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

      Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

      The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 17.24% - 25.99% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

    • Pros:
      • $200 sign-up bonus
      • High cash back rewards on quarterly rotating bonus categories
      • Decent cash back rewards on select spending categories
      • 0% intro APR on purchases
      • No annual fee
    • Cons:
      • Foreign transaction fee
      • Rotating spending categories require activation
      • No intro APR on balance transfers
    • Benefits:
      • 5% Cash Back on gas;
      • 5% Cash Back on up to $1,500 on combined purchases in bonus categories;
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards;
      • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services;
      • 3% Cash Back on drugstore purchases;
      • 1% Cash Back on all other purchases;
      • $200 Cash Back;
      • Zero Liability Protection;
      • Extended Warranty Protection;
      • Trip Cancellation/Interruption Insurance;
      • Cell Phone Protection;
      • Auto Rental Collision Damage Waiver;
      • Travel and Emergency Assistance Services.
    Card detail

    American Express® Blue Business Cash™ best for Daily use

    Blue Business Cash™ American Express
    Annual fee:
    $0
    Regular APR:
    16.99% - 24.99% Variable
    Our Rating:
    3.2
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
    • Intro Offer:
      • $250 Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
    • Purchase Intro APR:
      0% Introductory APR for the first 12 months from the date of account opening
    • Issuer name:
      American Express®
    • Details:

      The American Express Blue Business Cash™ Credit Card earns 2% Cash Back up to $50,000 per year, then 1%. Cash back earned is automatically credited to your statement. The card has no annual fee.

      Earn a $250 statement credit after you spend $3,000 in qualifying purchases on your Card within the first 3 months of Card Membership.

      The American Express Blue Business Cash™ Credit Card offers 0% intro purchase APR (for the first 12 months from the date of account opening) and 16.99% to 24.99% variable APR. The card's Penalty APR is 29.99%.

      Enjoy flexible buying power, when your business needs it. Expanded Buying Power gives you the freedom to spend beyond your credit limit and help get business done.

      Get the most out of your Business Credit Card by adding Employee Cards. Earn rewards on employee eligible purchases, plus track employee spending with alerts and summary reports.

    • Pros:
      • No Annual Fee
      • 0% Intro APR on purchases
    • Cons:
      • Foreign Transaction Fee
      • No welcome bonus
      • No introductory APR for balance transfers
      • Balance transfers and cash advances are not available
    • Benefits:
      • 2% Cash Back on all eligible purchases (up to $50,000 per year, then 1%);
      • $250 statement credit;
      • Employee Cards;
      • Account Manager;
      • Expanded Buying Power;
      • Extended Warranty Protection;
      • Car Rental Loss and Damage Insurance;
      • Global Assist® Hotline;
      • Terms Apply.
    Card detail

    Chase Freedom Unlimited® best for Cash Back, 0 APR, No Annual Fee, Daily use

    Chase Freedom Unlimited®
    Annual fee:
    $0
    Regular APR:
    17.24% - 25.99% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
      • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
      • 3% Cash Back on drugstore purchases.
      • 1.5% Cash Back on all other purchases.
    • Intro Offer:
      • $200 Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
      • 5% Cash Back on gas station purchases on up to $6,000 spent in the first year.
    • Purchase Intro APR:
      0% Intro APR for the first 15 months that your Account is open
    • Balance Transfer APR:
      17.24% - 25.99% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (17.24% to 25.99% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

      The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

      Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. And earn 5% cash back on gas station purchases on up to $6,000 spent in the first year.

    • Pros:
      • No Annual Fee
      • Generous rewards
      • 0% intro APR
      • Sign-up bonus
    • Cons:
      • Foreign Transaction Fee
    • Benefits:
      • Zero Liability Protection;
      • $200 intro bonus;
      • 5 percent Cash Back on all travel purchased via the Chase Ultimate Rewards portal;
      • 3 percent back on dining;
      • 3 percent back at drugstores;
      • 1.5 percent Cash Back on general purchases;
      • Auto Rental Collision Damage Waiver;
      • Trip Cancellation/Interruption Insurance;
      • Travel and Emergency Assistance Services;
      • 24/7 Fraud Protection;
      • Redeem for Cash Back;
      • Gift cards.
    Card detail

    Citi Double Cash best for Cash Back, No Annual Fee, Daily use

    Double Cash Citi
    Annual fee:
    $0
    Regular APR:
    17.74% - 27.74% Variable
    Our Rating:
    4.55
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
    • Intro Offer:
      • $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
    • Balance Transfer APR:
      17.74% - 27.74% Variable
    • Issuer name:
      Citi
    • Details:

      The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories.

      Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases. For a limited time earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

      The Citi® Double Cash offers a 0% percent (for 18-months) introductory APR offer on balance transfers (17.74 percent to 27.74 percent variable APR after).

      The Citi Double Cash extends a myriad of security and fraud protections.

    • Pros:
      • Flat-rate Cash Back Rewards on Everything
      • High Rewards Rate
      • No annual fee
      • Attractive Intro APR on Balance Transfers
    • Cons:
      • Losing your 1% Cash-Back Is Pretty Easy
      • Foreign transaction fee
      • Balance Transfer Fee
    • Benefits:
      • Citi Entertainment;
      • 2% Cash Back on every purchase;
      • Fraud Protection;
      • The Lost Wallet Service;
      • $0 Liability for Unauthorized Charges.
    Card detail

    Chase Ink Business Unlimited® best for Daily use

    Ink Business Unlimited® Chase
    Annual fee:
    $0
    Regular APR:
    15.49% - 21.49% Variable
    Our Rating:
    5
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 1.5% Cash Back rewards on every purchase made for business.
    • Intro Offer:
      • $750 Cash Back after you spend $7,500 on purchases in the first 3 months after account opening.
    • Purchase Intro APR:
      0% Intro APR for the first 12 months that your Account is open
    • Balance Transfer APR:
      15.49% - 21.49% Variable
    • Issuer name:
      Chase
    • Details:

      The Ink Business Unlimited® Credit Card has an annual fee of $0 and offers an unlimited 1.5% cash back on all purchases. Plus, earn $750 bonus Cash Back after you spend $7,500 on purchases in the first 3 months after account opening. Redeem your rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.

      The Ink Business Unlimited® Card offers 0% intro APR for 12 months from account opening on purchases. After that, 15.49% – 21.49% (Variable). The card's Penalty APR is 29.99%. The card has a foreign transaction fee of 3% (each transaction in U.S. dollars).

      With the Ink Business Unlimited® Credit Card your purchases are protected from theft and damage up to $10,000 per claim and $50,000 per account for up to 120 days.

    • Pros:
      • No Annual Fee
      • 0% Intro APR on purchases
    • Cons:
      • Foreign Transaction Fee
    • Benefits:
      • $750 bonus Cash Back;
      • 1.5% Cash Back rewards on every purchase;
      • Free employee cards;
      • Auto Rental Collision Damage Waiver;
      • Travel and Emergency Assistance Services;
      • Roadside Dispatch;
      • Extended Warranty Protection.
    Card detail

    American Express® EveryDay® Preferred best for Honeymoon, Daily use

    EveryDay® Preferred American Express
    Annual fee:
    $95 annually
    Regular APR:
    16.74% - 26.74% Variable
    Our Rating:
    3.59
    scorer
    Credit score
    Excellent (740-799)
    • Rewards Rate:
      • 3x Points on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
      • 2x Points on gas at U.S. gas stations.
      • 1x Points on all other purchases.
    • Intro Offer:
      • 15,000x Membership Rewards® Points after you spend $2,000 in qualifying purchases on the Card within your first 6 months of Card Membership.
    • Purchase Intro APR:
      0% Introductory APR for the first 12 months from the date of account opening
    • Balance Transfer APR:
      16.74% - 26.74% Variable
    • Issuer name:
      American Express®
    • Details:

      The Amex EveryDay® Preferred Credit Card offers rewards at U.S. gas stations and U.S. supermarkets with its Membership Rewards points.

      You’ll earn 15,000 points after spending $2,000 in the first 6 months. The card also has a 0% intro APR for 12 months on purchases and balance transfers, followed by an APR from 16.74% to 26.74% Variable after that.

      With Return Protection, you may return eligible purchases to American Express® if the seller won't take them back up to 90 days from the date of purchase. American Express® may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Credit Card.

      If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

    • Pros:
      • 12-month 0 percent intro APR on purchases
      • Easy-to-earn welcome bonus
      • Flexible travel rewards
    • Cons:
      • Annual Fee
      • Foreign Transaction Fee
      • High penalty APR
    • Benefits:
      • 15,000 Membership Rewards® Points;
      • 50% Extra Points;
      • 3x Points on groceries;
      • 2x Points on gas;
      • 1x Points on all other purchases;
      • Membership Rewards® Pay with Points;
      • Transfer Points to Frequent Traveler Programs;
      • Shop with Membership Rewards® Points;
      • 2x Membership Rewards® Points at Amextravel.com;
      • Car Rental Loss and Damage Insurance;
      • Global Assist® Hotline;
      • Return Protection;
      • Terms Apply.
    Card detail

    Short Review of Best Credit Cards for Walmart Purchases

    NameBest forRewards RateAPRApply
    Capital One VentureOne Rewards Credit Card
    4.72
    Rewards, No Annual Fee, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 1.25x Miles per dollar on all purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One SavorOne Cash Rewards Credit Card
    4.36
    Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
  • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores.
  • 1% Cash Back on all other purchases.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One Venture Rewards Credit Card
    3.52
    Travel, Daily use
  • 5x Miles per dollar on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on all purchases.
  • 18.99% - 26.99% VariableApply now
    On Capital One‘s site
    Capital One Walmart Rewards® Mastercard®
    4.12
    Walmart purchases
  • 5% Cash Back at Walmart.com, including pickup and delivery.
  • 2% Cash Back in Walmart stores, at restaurants and on travel.
  • 1% Everywhere else Mastercard® is accepted.
  • 17.99% - 27.74% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Cash Rewards Credit Card
    4.58
    Cash Back, No Annual Fee, Daily use
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Capital One QuicksilverOne Cash Rewards Credit Card
    3.64
    Fair credit
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Secured Cash Rewards Credit Card
    3.14
  • 1.5% Cash Back on every purchase.
  • 28.49% VariableApply now
    On Capital One‘s site
    Capital One Quicksilver Student Cash Rewards Credit Card
    3.52
    International students
  • 1.5% Cash Back on every purchase.
  • 17.99% - 27.99% VariableApply now
    On Capital One‘s site
    Upgrade Cash Rewards Visa®
    4.35
    Good credit score
  • 1.5% Cash Back on payments.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Capital One Platinum Secured Credit Card
    2.44
    Single mom, Without SSN
  • This card doesn't offer cash back, miles or points.
  • 28.49% VariableApply now
    On Capital One‘s site
    Upgrade Triple Cash Rewards Visa®
    3.53
  • 3% Cash Back on Home, Auto and Health categories.
  • 1% Cash Back on everything else.
  • 14.99% - 29.99% RegularApply now
    On Upgrade‘s website
    Celtic Bank Surge® Platinum Mastercard®
    3.2
    Walmart purchases
  • This card doesn't offer cash back, miles or points.
  • 24.99% - 29.99% VariableApply now
    On Celtic Bank‘s site
    Celtic Bank Deserve EDU
    3.5
    Cash Back, Without SSN, Student
  • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
  • 22.49% VariableApply now
    On Celtic Bank‘s site
    Capital One Spark Miles for Business
    4.26
    Walmart purchases
  • 5x Miles on hotels and rental cars booked through Capital One Travel.
  • 2x Miles on every purchase for your business with no blackouts or seat restrictions and no minimum to redeem.
  • 23.99% VariableApply now
    On Capital One‘s site
    Capital One Spark Cash Plus
    3.62
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 2% Cash Back for your business on every purchase.
  • None *Apply now
    On Capital One‘s site
    Capital One Spark Cash Select - $500 Cash Bonus
    5
  • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
  • 1.5% Cash Back for your business on every purchase, everywhere, no limits or category restrictions.
  • 16.24% - 22.24% VariableApply now
    On Capital One‘s site
    Chase Freedom Flex℠
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 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 Ultimate Rewards.
  • 3% Cash Back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1% Cash Back on all other purchases.
  • 17.24% - 25.99% VariableLearn more
    American Express® Blue Business Cash™
    3.2
    Daily use
  • 2% Cash Back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • 16.99% - 24.99% VariableLearn more
    Chase Freedom Unlimited®
    5
    Cash Back, 0 APR, No Annual Fee, Daily use
  • 5% Cash Back on travel purchased through Chase Ultimate Rewards.
  • 3% Cash back on dining at restaurants, including takeout and eligible delivery services.
  • 3% Cash Back on drugstore purchases.
  • 1.5% Cash Back on all other purchases.
  • 17.24% - 25.99% VariableLearn more
    Citi Double Cash
    4.55
    Cash Back, No Annual Fee, Daily use
  • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • 17.74% - 27.74% VariableLearn more
    Chase Ink Business Unlimited®
    5
    Daily use
  • 1.5% Cash Back rewards on every purchase made for business.
  • 15.49% - 21.49% VariableLearn more
    American Express® EveryDay® Preferred
    3.59
    Honeymoon, Daily use
  • 3x Points on groceries at U.S. supermarkets on up to $6,000 per year in purchases.
  • 2x Points on gas at U.S. gas stations.
  • 1x Points on all other purchases.
  • 16.74% - 26.74% VariableLearn more

    Card's description:

    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 15-month 0% APR offer is part of the deal, too, followed by a variable APR of 17.99% - 27.99%.

    Read more about Capital One VentureOne Rewards Credit Card

    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 (17.99% - 27.99% after).

    Read more about Capital One SavorOne Cash Rewards Credit Card

    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 18.99% - 26.99%.

    Read more about Capital One Venture Rewards Credit Card

    Capital One Walmart Rewards® Mastercard®

    We’ve finally come to the best credit card for Walmart purchases (both in-store and online) – the Capital One Walmart Rewards® card. It'll earn you 5% cash back on Walmart.com purchases, 2% at Walmart stores, restaurants, and travel, and 1% on everything else. During the first 12 months, a 5% cash back rate will be applied at Walmart in-store purchases if you pay with this card through Walmart Pay (within the Walmart App). There are plenty of redemption options – travel, cash, cover for purchases, and gift cards. The card charges no annual fee and has a variable APR of 17.99% - 27.74%. You can check for pre-approval without hurting your credit score. If not eligible, you'll still be automatically considered for the Walmart Rewards Card, which is a card you can only use for Walmart purchases and at Sam’s Club.

    Read more about Capital One Walmart Rewards® Mastercard®

    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 17.99% - 27.99% 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.

    Read more about Capital One Quicksilver Cash Rewards Credit Card

    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.

    Read more about Capital One Platinum Secured Credit Card

    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 24.99% - 29.99%, 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.

    Read more about Celtic Bank Surge® Platinum Mastercard®

    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 23.99%, and there is a $95 annual fee (waived the first year).

    Read more about Capital One Spark Miles for Business

    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 (17.24% - 25.99% 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.

    Read more about Chase Freedom Flex℠

    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 16.99% - 24.99% 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.

    Read more about American Express® Blue Business Cash™

    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 17.24% - 25.99% Variable after. Sounds terrific for a no-annual-fee card, right?

    Read more about Chase Freedom Unlimited®

    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 17.74% - 27.74% 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.

    Read more about Citi Double Cash

    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 $7,500 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 15.49% - 21.49%. 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.

    Read more about Chase Ink Business Unlimited®

    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 (16.74% - 26.74% after). Since the card can potentially earn you valuable rewards, those who spend enough will be able to justify the $95 annual fee easily.

    Read more about American Express® EveryDay® Preferred

    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.

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    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.

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    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.

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    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 67 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.

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    What are other credit cards to consider?

    Some other great cards for shopping at Walmart are the Cash Magnet® credit card from American Express® (1.5% on all purchases) and the Blue Business® Plus Credit Card from American Express® (2x points on all business purchases up to $50,000 spent annually, 1x points after).

    Does Walmart accept Discover cards?

    Yes, you can pay at Walmart with your Discover card, which is why we've included two great Discover cards on our list – Discover it® Cash Back and Discover it® Miles.

    Can I get a Walmart card with bad credit?

    Unfortunately, those with bad credit will probably be rejected if they apply for the Capital One Walmart Rewards® credit card. However, you could get the Walmart Rewards Card which earns the same rewards and can be used only at Walmart and Sam’s Club.

    What is the best credit card for grocery purchases?

    As we said, purchases at Walmart won't classify as grocery purchases. If you're looking for the best credit card to use at grocery stores, you won't find a better one than the Blue Cash Preferred® by Amex, which offers 6% cash back at U.S. supermarkets (up to $6,000 spent annually).
    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us