Rewards at Walmart: The Platinum Card® from American Express offers up to $155 in statement credits annually toward the monthly cost of Walmart+, a membership that provides free grocery delivery (on orders of $35 or more), free shipping, discounts on gas and more. (Plus Ups are excluded.) Credit Cards
Do credit cards work at Walmart?
Walmart accepts Visa, MasterCard and American Express cards. You can also use a variety of other payment methods with the retailer. Read on to learn best credit cards to use at Walmart.
Although Walmart is frequently a quarterly bonus category for several cards, it will take some juggling to consistently maximize your rewards at the world’s largest retailer. Credit Cards

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What credit card can I use at Walmart?
Payment Methods
1. Visa and most debit cards with the Visa logo.
2. MasterCard and most debit cards with the MasterCard logo.
3. American Express.
4. Discover/Novus.
5. You must call Customer Service to place an order using a check or money order.
6. Your check must be in USD currency and drawn on a US Bank.
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SOME CARD INFO MAY BE OUTDATED
This page includes information about the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card currently unavailable on NerdWallet.
From consumer electronics to clothes to groceries, Walmart has something for nearly everyone. But consistently earning outsized rewards on purchases at the world’s largest retailer can be tough without juggling multiple cards.
If you’re an optimizer, you’ll be able to earn at least 5% back on purchases at Walmart throughout the year. But if you prefer simplicity and just one card, you still have options.
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Here are our choices for the best credit cards to use at Walmart.
Which Walmart card is better?
The best credit card for Walmart is the Capital One Walmart Rewards® Mastercard® because it offers 5% on Walmart.com purchases. In addition, you can also earn 5% in stores when using the card with Walmart Pay for the first 12 months. The Walmart Credit Card also has a $0 annual fee.
Rewards:
5% cash back on purchases at Walmart.com and items bought through the Walmart app. This includes items you buy online for in-store pickup as well as for Walmart grocery pickup and delivery. (Gift cards earn 2% back regardless of where they are bought.)
2% back for in-store purchases, including those made at Murphy USA and Walmart gas stations.
2% back on travel and at restaurants.
1% back on all other purchases.
» MORE: Full review of the Capital One® Walmart Rewards™ Mastercard®
Is Walmart credit card only good at Walmart?
Since the Walmart Rewards™ Card is a private-label card, you can only use the card at Walmart properties, which include Walmart.com, the Walmart app, Walmart stores and Murphy USA gas stations. On the other hand, the Capital One Walmart Rewards® Mastercard® can be used anywhere Mastercard is accepted.
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Blue Cash Everyday® Card from American Express

Annual fee: $0.
Welcome offer: Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Terms Apply.
Rewards:
- 3% cash back on U.S. online retail purchases on up to $6,000 spent per year.
- 3% back at U.S. supermarkets on up to $6,000 spent per year.
- 3% back at U.S. gas stations on up to $6,000 spent per year.
- 1% back on other purchases.
- Terms apply; see rates and fees.
» MORE: Full review of the Blue Cash Everyday® Card from American Express
U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
Annual fee: $0 intro for the first year, then $95.
Sign-up bonus: Get a $250 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening.
Rewards:
- 6% cash back on your first $1,500 in combined eligible purchases each quarter at two retailers you choose, from a list of 24 that includes Walmart. (See full list below.)
- 3% back on your first $1,500 in eligible purchases each quarter on your choice of one everyday category (including gas and EV charging stations, bills/home utilities or wholesale clubs).
- 1.5% back on all other qualifying purchases.
- 5.5% back on reservations for prepaid hotels and car rentals when you book through the U.S. Bank Rewards Center.
» MORE: Full review of the U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
How much is a credit card at Walmart?
The Walmart Credit Card annual fee is $0. The combination of no annual fee and great rewards really helps the Walmart Credit Card stand out from its competition. The Walmart® Store Card also comes with a $0 annual fee
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Chase Freedom Flex℠

» MORE: Full review of the Chase Freedom Flex℠ card
Annual fee: $0.
Sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards:
- 5% cash back in quarterly bonus categories on up to $1,500 in combined spending each quarter. Activation of bonus categories is required. (See the quarterly 5% bonus calendar.)
- 5% back on travel booked through Chase Ultimate Rewards®.
- 3% back on dining, including takeout and delivery services.
- 3% back on drugstore purchases.
- 5% back on qualifying Lyft services bought through the Lyft app for all cardholders through March 31, 2025.
- 1% on all other purchases.
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Is Chase Freedom Flex worth it?
The bottom line
The Chase Freedom Flex is one of the best cash back credit cards on the market today. Generous earning rates on both rotating and everyday spending categories can help you earn more rewards. Plus, the card comes with a surprising number of perks considering its lack of an annual fee
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Discover it® Cash Back
Is the Discover card for cash back worth it?
The Discover it® Cash Back features a high cash-back rate in rotating quarterly categories — but you don’t get those rewards automatically, activation is required and spending caps apply. Even so, for people who prefer cash back and don’t mind putting in a little work, this $0-annual-fee card is well worth it
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Annual fee: $0.
Sign-up bonus: INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
Rewards:
- 5% cash back in rotating quarterly categories on up to $1,500 in purchases each quarter (requires activation).
- 1% back on all other purchases.
» MORE: Full review of the Discover it® Cash Back
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PayPal Cashback Mastercard®

Annual fee: $0.
Sign-up bonus: None.
Rewards:
- 3% cash back on PayPal purchases.
- 2% back on all other purchases.
» MORE: Full review of the PayPal Cashback Mastercard®
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Is PayPal cashback Mastercard a credit card?
The PayPal Cashback Mastercard® is a straightforward cash-back credit card that delivers solid value without any frills. As you spend on the card, you’ll earn 2% cash back on all purchases. The cash back you earn goes directly into your PayPal account.