Walmart’s frequent shoppers know the value the retail giant offers. In addition to the price increase on everything from groceries and household goods to clothing and electronics, you can earn back cash and other benefits when you shop at Walmart with a variety of reward credit cards.
In this post, we explore the best reward credit cards for Walmart spending and show you how to combine these cards with an online shopping portal to further boost your income.
The best credit cards for shopping in Walmart
The following six reward cards are currently the best choice for Walmart purchases, thanks to bonuses and stated credit:
Information on Bank of America Shopper Cash Reward Signature Card has been independently collected by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Onepay Cash Reward Card
The benefits of Walmart: this Onepay Cash Reward Card If you are a Walmart+ member, you can earn 5% cashback on Walmart purchases (online or in-store). If you are not a Walmart+ member, you will be purchasing 3% of your revenue on Walmart.
Annual fee: $0.
Current welcome offer: Spend $75 in 30 days after opening the card and earn $35 in cash back.
Excellent privilege: The OnePay Cash Reward Card is a great choice for Walmart devotees because it wins rewards when you shop with retailers. For Walmart+ members, this is the rate Walmart purchases 5% of members, rather than the 3% non-Walmart+ members receive.
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Outside Walmart, Onepay Cash Reward Card earns 1.5% cashback on all other purchases.
The card earns unlimited cash back in the form of OnePay points, which can be cashed into a Onepay cash account or as a statement credit.
To learn more, read our full review of OnePay Cash Reward Card.
Apply here: Onepay Cash Reward Card
American Express Platinum Card
The benefits of Walmart: this Amex Platinum Declaration credits up to $155 per calendar year (up to $12.95, as well as taxes and fees for a membership fee), monthly Walmart+ fees, monthly fees for Walmart+, Walmart+ costs, Walmart+, the membership program offers a free grocery plan (orders available for $35 or more), free shipping, discounts, gas discounts, free access to Paramount+ or Peacount+ or Peacock, etc. (UPS is excluded; automatic renewal is required; registration is required, and Paramount+ or Peacock requires separate registration.)
Memberships usually sell for $12.95 per month, plus any local sales tax, so Amex Platinum declares a credit equivalent to a free membership.
Annual fee: $895 (see rates and fees).
Current welcome offer: Find out your offer and see if you are eligible for up to 175,000 bonus points after spending $8,000 in the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.
Since TPG’s valuation in September 2025 believes that American Express membership reward points are 2 cents per person, the welcome quote is worth up to $3,500.
Excellent privilege: This card also contains multiple statement credits. Here are some things to know:
- Declaration credits purchased at Resy Restaurants in the United States can be received up to $400 per calendar year. The credit is divided into four quarterly stated credits up to $100. To use credit, all you have to do is pay with an Amex Platinum card at the event at the US Resy Restaurant (or make other qualified Resy purchases). No reservation required.
- Upfront Payment When you pay with American Express Fine Hotels + Resorts + Resorts + Resorts or American Expract Travel®, you can receive a maximum declared credit of $600 (up to $300) per calendar year, when you pay with Amex Platinum (a hotel collection requires at least two nights of stay).
- You can receive up to $200 in placement letters of credit for each calendar year to obtain the accompanying fees charged by an airline of your choice.
- Uber cash is available for up to $200 per calendar year for Uber services, divided into up to $15 per month credits (up to $20 in December). Your Amex Platinum card must be added to your Uber account and you can redeem it with any Amex card.
Please note that selection benefits require registration.
To learn more, read our full review of Amex Platinum.
Apply here: American Express Platinum Card
Chasing for freedom and flexibility
The benefits of Walmart: this Chasing for freedom and flexibility Offers a bonus category with 5% rotations per calendar quarter you activate (purchase up to $1,500). Wal-Mart usually chooses the bonus category every year.
Annual fee: $0.
Current welcome offer: Earn $200 in cash back after spending $500 in purchases within the first three months of account opening.
Excellent privilege: This unused fee card provides phone protection when you use this phone to pay your monthly bill. You will receive $800 per claim for each theft or damage (up to two claims, up to $1,000 for a total of 12 months). You may have to pay a $50 deduction per claim, which is significantly lower than other cards that provide phone protection.
To learn more, read our full review of Chase Freedom Flex.
Apply here: Chasing for freedom and flexibility
Capital One Venture Rewards Credit Card
The benefits of Walmart: Capital One Venture Rewards Card offers unlimited 2 miles per dollar, including at Wal-Mart, and is a great option if you prefer a lower-grade fee card without a lot of bells and whistles.
Annual fee: $95.
Current welcome offer: Spend $4,000 in the first three months of opening and earned a bonus miles of 75,000 miles.
Excellent privilege: In addition to spending unlimited 2 miles on all purchases, you will also earn unlimited 5 miles on hotels, vacation rentals and hotels booked through Capital One Travel without foreign transaction fees, as well as a $120 credit for global admission or TSA Precheck.
To learn more, read our full review of Capital One Venture Rewards.
Learn more: Capital One Venture Rewards Credit Card
Citi double cash card
The benefits of Walmart: Earn unlimited 2% cash back on all purchases (1% cash back on your purchase, 1% on payment).
Annual fee: $0.
Current welcome offer: Spend $1,500 in the first six months of opening to earn $200 in cash back.
Excellent privilege: You won’t find many other privileges on this unpopular card. However, if you are looking for an easy option to increase cashback, Citi Double Cash is a reliable option.
To learn more, read our full review of Citi Double Cash.
Apply here: Citi double cash card
Bank of America Shopper Cash Award Visa Card
Rewards at Walmart: Earn 6% cash back at the two retailers of your choice, with a maximum expenditure of $1,500 per quarter. Walmart is a retailer.
Annual fee: $0 for the first year, then $95.
Current welcome offer: Earn $250 in bonus after spending $2,000 on qualified purchases in the first 120 days of opening an account.
Excellent privilege: You can choose two retailers to earn 6% cashback for up to $1,500. In addition to Walmart, well-known qualified retailers include Amazon, Apple, Target and Wayfair.
Additionally, you will earn 3% cash back, spending up to $1,500 in your daily category of choice, while all other purchases earn 1.5% on them.
Related: The Best Cash Credit Cards to Add to Your Wallet
How to choose Walmart to buy a credit card
When choosing Walmart to buy a credit card, you need to consider the bonus income category on that card and whether the card issuer code uses Walmart as a discount/warehouse/wholesale store or grocery/supermarket/bakery.
This can make a huge difference, as bonus income for the grocery category usually places Walmart in the discount store or department store category, and Walmart doesn’t code for groceries. Therefore, it may be better to use a flat rate card.
How to apply for a credit card suitable for Walmart purchase
You will follow the same process to apply for Walmart’s rewards on a credit card with any other credit card. Before applying, you want to make sure your credit score is within the necessary range and collect any revenue information required by the application.
It is worth noting that in Onepay Cash Reward Card You can share it with TPG based on the information to see if you are pre-qualified for the card. This will not affect your credit score until you apply.
You can apply for popular Walmart credit cards using the app link in this article.
Related: How to check your credit score for free
Maximize credit cards at Walmart
Shopping portals like Rakuten can help you save more money while shopping. That’s how they work.
When you log in, you receive cash discounts from specific merchants like Walmart. When you click on the quote you are interested in, you will redirect to the merchant’s website. The portal will track your spending and reward you with cash back when you recognize that you have purchased.
Shopping portals are convenient because they allow you to receive rewards from multiple sources. In addition to credit card rewards, you can earn bonuses or cash back from the portal.
For example, Rakuten will typically provide about 2% cash back for every dollar spent in certain categories with Wal-Mart, although this may increase or decrease without warning. You can combine these cashbacks with credit card bonuses to save a lot of money.
You can also find high returns using shopping portal collectors like CashBack Monitor.
Related: How to Earn Amex Points with Rakuten Easily
Frequently Asked Questions
What credit scores are required for a credit card used at Walmart?
For most cards that receive rewards at Walmart, you will need a good credit score or higher. This means a score of at least 670. It is important to note that you can approve with lower or higher scores based on your overall credibility.
Where can I use a credit card that is also suitable for Walmart purchases?
Credit cards that can earn bonuses at Walmart can be used anywhere the card is accepted.
Can I recover cash on a credit card used by Walmart?
You need a cash credit card to recover cash on your Walmart credit card. Note that some Walmart cards receive bonus points instead of cash back.
Can I use SAM’s club credit card at Walmart?
If you have a club credit card from SAM, you can use it at Walmart, while any other MasterCard-based credit card is acceptable.
Information on Sam’s Club credit card has been collected independently by Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Bottom line
If you shop at Walmart regularly, using one of the above cards can help you save money and maximize bonus income. These cards offer huge returns at Walmart, but you can earn more by stacking these benefits through the online shopping portal.
Related: Walmart Cash Rewards Program: How to Earn “Cash”, Save Bills and Earn Allowances
For Amex Platinum rates and fees, click here.
