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Capital I Walmart Rewards Mastercard Review: All-time for Online and Mobile Walmart Shoppers

October 6, 2021 | six Min Read

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Majuscule I Walmart Rewards® Mastercard®

Editor'south Score: (N/A)

Editor's Score: (N/A)

Final updated Oct half dozen, 2021

All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.

Intro offer:
5%
Almanac fee:
$0
Regular APR:
17.99% – 26.99% (Variable)
Recommended credit score:
580-740 (Fair to Proficient)

Rewards rate:

Earn five% cash back on Walmart.com purchases, including pickup and commitment Earn 2% cash dorsum on purchases in Walmart stores and fuel stations and 2% greenbacks back on restaurants and travel purchases. ane% cash dorsum on all other purchases everywhere else Mastercard® is accustomed.

NextAdvisor's Take

Pros

Earn 5% back on Walmart.com purchases, including pickup and delivery (and grocery delivery)
5% back in Walmart stores the get-go year
No annual fee
Flexible rewards redemptions

Cons

Highest ongoing bonus category for online purchases only, not in-store
Weak on cardholder benefits
No introductory APR for purchases or balance transfers
No cash welcome bonus

The Bottom Line

The Upper-case letter 1 Walmart Rewards Mastercard offers 5% back at Walmart.com (including pickup and delivery), making it a great choice for frequent Walmart shoppers who prefer the superstore's online services. You'll also salvage in Walmart stores, at Walmart fuel stations, at restaurants, and on travel. At that place's no annual fee, and you tin redeem your rewards for cash, to comprehend purchases, and more.

Boosted Card Details

For the offset 12 months, earn five% back in Walmart stores when you utilise your carte du jour to pay with Walmart Pay
Capital letter One's Card Lock feature prevents new purchases if your card is lost or stolen
Zero fraud liability
Security alerts via text or email when suspicious activity is noticed on your account
Access to the Upper-case letter One mobile app to pay bills or track purchases

Full Review

Card Type

The Capital I Walmart Rewards Mastercard is a co-branded cash back credit carte. Dissimilar some retail cards, yous're not limited to just purchases at Walmart. Since it'south a Mastercard credit card, you tin utilise it anywhere Mastercard is accepted — and you'll even earn bonus rewards in some not-Walmart categories.

Annual Fee

The Capital letter 1 Walmart Rewards Mastercard does not charge an annual fee.

Welcome Offer

There is no cash welcome offer on this card, which is one of its biggest downsides. Nevertheless, there is a first-twelvemonth bonus rewards category. For the first 12 months later on account opening, you can earn five% back in Walmart stores (instead of the regular 2% rate) when you use Walmart Pay at checkout.

Introductory Offering

The Uppercase One Walmart Rewards Mastercard doesn't offer an introductory 0% APR on purchases or balance transfers, which is pretty standard amidst co-branded retail cards.

Rewards

With this card, you can earn 5% dorsum on Walmart.com and Walmart mobile app purchases, including pickup and commitment. You'll too go 2% back at Walmart stores and fuel stations (including Tater USA), at restaurants, and on travel. Every other purchase earns ane% cash back.

For the kickoff 12 months, you lot can heave your rewards at Walmart stores to v% back when you utilize your card to pay with the Walmart Pay mobile wallet. You can access Walmart Pay through the Walmart mobile app on your phone.

Fees

The Capital One Walmart Rewards Mastercard doesn't charge an annual fee or whatsoever foreign transaction fees. Yet, you volition pay a high variable Apr of 17.99%, 23.24%, or 26.99% on whatever balances you comport.

Other fees to watch out for include a 3% (minimum $x) cash accelerate fee if you use your carte du jour to get greenbacks at an ATM and a three% balance transfer fee — though because this card has no intro 0% APR offer on balance transfers, it's not a proficient choice for debt payoff.

Other Benefits

Beyond rewards for your Walmart shopping, this card doesn't have many added features or benefits; that'south adequately common amongst cash back credit cards affiliated with retail stores.

Considering information technology's a Capital One card, you'll get a few standard benefits and protections from the issuer. This includes zero fraud liability, a Carte Lock feature that lets you freeze your card if information technology'due south lost or stolen, security alerts yous can set upward to notify you of suspicious activity, and access to the Capital letter Ane mobile app.

If you don't qualify for the Capital One Walmart Rewards Mastercard, your awarding volition automatically be considered for Walmart's closed loop retail carte, the Walmart Rewards™ Card. If y'all're canonical for this version of the bill of fare instead, you tin can just use it at Walmart (since information technology'southward not a Mastercard), though you'll earn the same rewards on Walmart and Walmart.com spending. The Walmart Rewards Carte du jour has no annual fee and a 26.99% variable Apr.

Benefits of Uppercase I Walmart Rewards Mastercard

The biggest depict of the Capital One Walmart Rewards Mastercard is the corporeality you lot can salvage with the superstore, because Walmart and other big box retailers are typically excluded from grocery rewards categories. If Walmart is where you do the majority of your everyday spending — especially online or via the grocery delivery/pickup service — you lot tin can earn a considerable amount in rewards over time.

In fact, we estimate you lot could save upwards to $680 on food purchases within a twelvemonth, based on average spending information from the U.Southward. Section of Agriculture (USDA). The average family of four with two children (between ages 6 and 11) spends $ane,134.eighty per month on groceries, given a moderate upkeep, or $xiii,617.60 per year. If you practice all your grocery shopping at Walmart, and choose online grocery pickup or delivery you could yield more than $680 in rewards over 12 months at the 5% charge per unit.

If you are willing to download the Walmart app and use Walmart Pay for in-store purchases, you could fifty-fifty earn this rate for other miscellaneous purchases yous make in Walmart brick and mortar stores the outset year.

Drawbacks of Capital One Walmart Rewards Mastercard

While the Capital One Walmart Rewards Mastercard lets yous earn rewards at the superstore without an almanac fee, it may non be the all-time option for y'all. Even if yous do prefer shopping at Walmart, the card'southward highest rewards category but applies to online purchases. If you adopt in-shop shopping, you'll only earn 5% for the starting time 12 months — if you use Walmart Pay.

Beyond Walmart rewards, bonus categories at restaurants and on travel can heave your earnings, merely if those are your top spending categories, in that location are other greenbacks dorsum or travel rewards cards with better rewards, even for no almanac fee. The Majuscule One Walmart Rewards Mastercard is besides calorie-free on benefits; you'll get little more than some safety features and admission to the Capital One mobile app.

How to Use Capital One Walmart Rewards Mastercard

Employ the Majuscule Ane Walmart Rewards Mastercard for Walmart mobile app and Walmart.com purchases, including pickup and delivery. For virtually people, the best manner to maximize these rewards is by using Walmart.com for all your grocery pickup and delivery purchases.

Through your starting time year of account buying, also brand sure to download the Walmart app and connect your card to Walmart Pay and so you lot tin can earn 5% back when y'all visit Walmart stores the get-go 12 months. If yous don't have some other card that earns more on dining or travel, y'all can besides use this carte for additional 2% rewards in those categories.

When you lot're gear up to redeem your rewards, y'all can choose from a number of redemption options, including argument credits, to cover purchases at Walmart.com, souvenir cards, or even redeem for trips and travel purchases you lot make with your card.

Over time, call back to charge simply what you can afford to pay off, and avoid carrying a balance on your card. The Majuscule 1 Walmart Rewards Mastercard has an infrequent rewards rate at the superstore, only it's not enough to brand up for the high APR you'll pay if you lot acquit a balance.

Capital 1 Walmart Rewards Mastercard Compared to Other Cards

Larn More

Capital One Walmart Rewards® Mastercard®

Editor'due south Score: (North/A)

Editor's Score: (Due north/A)

Concluding updated Oct half-dozen, 2021

All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including carte rates and fees, presented in the review is accurate as of the date of the review.

Intro offer:
5%
Almanac fee:
$0
Regular APR:
17.99% – 26.99% (Variable)
Recommended credit:
580-740 (Fair to Good)
Learn more At our partner's secure site

Acquire More than

Blue Cash Preferred® Carte du jour from American Express

Editor's Score: (4.3/5)

Editor's Score: (4.iii/5)

rewards charge per unit: v.0

welcome bonus: 4.5

annual fee: 3.0

other costs fees: five.0

intro apr: 4.0

other benefits: 4.0

simplicity: iv.0

annual percentage rate: 3.5

Last updated Oct 6, 2021

All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The data, including carte rates and fees, presented in the review is authentic every bit of the date of the review.

Intro offer:
$300
Almanac fee:
$0 introductory almanac fee for the first yr, and then $95.
Regular April:
14.24%-24.24% Variable
Recommended credit:
670-850 (Good to Excellent)
Acquire more At our partner's secure site See Rates & Fees, Terms Utilise.

Learn More

Amazon Prime Rewards Visa Signature Carte

Editor'due south Score: (three.8/v)

Editor's Score: (3.viii/5)

rewards charge per unit: 5.0

welcome bonus: 0.0

annual fee: four.0

other costs fees: 4.0

intro apr: 0.0

other benefits: iv.0

simplicity: iv.0

annual percentage rate: 3.0

Final updated Oct half-dozen, 2021

All reviews are prepared by NextAdvisor staff. Opinions expressed therein are solely those of the reviewer. The information, including menu rates and fees, presented in the review is authentic as of the date of the review.

Intro offering:
$150 Amazon Souvenir Card
Annual fee:
$0
Regular APR:
14.24% to 22.24% Variable
Recommended credit:
670-850 (Skillful to Excellent)
Learn more At our partner's secure site Run into Rates & Fees, Terms Employ.

Is the Capital One Walmart Rewards Mastercard Right for You?

The no annual fee Capital 1 Walmart Rewards Mastercard is an splendid card for Walmart.com or Walmart mobile app purchases, including pickup and commitment. If you store at Walmart.com frequently or employ this retailer for groceries, you won't find many rewards cards that offer a higher rewards rate.

If yous prefer shopping in-store at Walmart, yous'll still earn two% rewards (after the 12-month 5% greenbacks back offer when yous employ Walmart Pay). That tin can however give yous great value over time — especially since Walmart is often excluded from grocery categories with other cards — but information technology's not as lucrative as the cash back y'all'll earn shopping online.

While this card is a solid pick for Walmart purchases, y'all may too consider pairing your Capital letter One Walmart Rewards Mastercard with another card that offers better rewards in other categories, or instead choose a card with broader grocery and gas rewards not express to a unmarried retailer. Before yous employ, make sure to cheque out other rewards credit cards, including cash dorsum credit cards and travel credit cards, to notice the correct fit.

Frequently Asked Questions

How exercise I earn cash back with my Walmart Rewards Mastercard?

Equally a Majuscule One Walmart Rewards Mastercard cardholder, yous'll earn 5% dorsum on Walmart.com purchases, including pickup and delivery. You can besides earn ii% dorsum in Walmart stores and Walmart fuel stations, at restaurants, and on travel, and 1% back on everything else you purchase.

What is Walmart Pay?

Walmart Pay is a mobile payment tool you can download using the Walmart app. You can add your Capital One Walmart Rewards Mastercard as a payment method then earn 5% dorsum on purchases in Walmart stores for the offset 12 months.

Does the Capital letter One Walmart Rewards Mastercard charge foreign transaction fees?

The Capital One Walmart Rewards Mastercard does non charge foreign transaction fees.

What is the divergence between the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card?

The Capital One Walmart Rewards Mastercard is a Mastercard credit card you lot can use anywhere Mastercard is accepted. By contrast, the Walmart Rewards Card is a store card that you can only utilize at Walmart and Sam's Gild.