With its generous cashback program, the Capital One Walmart Rewards® Card could help consumers who do much of their online shopping save some cash at Walmart.com and in the Walmart mobile app.
The Capital One Walmart Rewards® Card is a Mastercard and can be used anywhere that payment network is accepted. There’s also the Walmart Rewards Card, a private label store card with a similar cashback program that can only be used in the Walmart ecosystem. Neither card charges an annual fee.
The information related to the Walmart Rewards Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of these cards prior to publication.
Intro Purchase APR
N/A
Regular Purchase APR
17.99% or 29.74% (Variable)
Intro BT APR
N/A
Regular BT APR
N/A
Annual Fee
$0
Cash Advance Fee
Either $10 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee
$0
Balance Transfer Fee
N/A
Earn cash back at a generous rate
Earn 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted
Cash back can be redeemed as follows:
Sign-up bonus with Walmart Pay
The sign-up bonus for this card lasts a year: 5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay
$0 annual fee
You don’t have to worry about an annual fee with the Capital One Walmart Rewards® Card. That means as long as you don’t incur interest charges or other fees, everything you earn with this card is effectively net cash back in your bank account.
Check online if you're pre-approved
Capital One allows you to check online if you’re prequalified for the Capital One Walmart Rewards® Card, which won’t impact your credit score like an actual application will. Note that prequalification does not guarantee approval, it just means you have a good chance once you actually apply.
Plus, if you’re not preapproved for the Capital One Walmart Rewards® Card (which can be used anywhere Mastercard is accepted), you’ll be considered for the Walmart Rewards Card (a store card which can be used at Walmart, Murphy USA gas stations and Sam’s Club).
Lower rate for in-store purchases
You’ll only earn 5% on in-store Walmart purchases for the first year of having the card, and only when using Walmart Pay. After that, your earning rate drops down to 2%. It’s best to do as much of your shopping as possible at Walmart.com, which earns the higher cashback rate on an ongoing basis.
Doesn't offer an introductory APR
If you’re planning a big purchase, you might be looking for a credit card with an intro 0% APR period on purchases. Unfortunately, you don’t get that with the Capital One Walmart Rewards® Card.
Comes with a high regular APR
The Capital One Walmart Rewards® Card comes with a 17.99% or 29.74% (Variable) APR. Even on the low end of the range, that’s still higher than you’ll find with some other cards. Make sure to pay off your card in full each month to avoid incurring interest charges.
That holds true even more so if you get the Walmart Rewards Card rather than the Capital One Walmart Rewards® Card, since the store card has a high 26.99% variable APR.
If you don’t do a whole lot of your shopping at Walmart.com or in the Walmart app, a better cashback credit card for your spending habits might be the Capital One SavorOne Cash Rewards Credit Card.
Earn 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®); 3% Cash Back on popular streaming services and entertainment; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases. You can also earn $200 Cash Back after you spend $500 on purchases within 3 months from account opening. That’s a solid bonus with a low spend requirement.
There’s also a helpful 0% intro on purchases for 15 months, after which a 19.99% - 29.99% (variable) APR applies. If you know you’ve got a big purchase coming up, having more than a year to pay it off interest-free is a definite plus. Finally, the Capital One SavorOne Cash Rewards Credit Card‘s annual fee is $0 and its foreign transaction fee is none.
| Credit Cards | Welcome Offer | Rewards Rate | Intro Purchase APR | Regular APR | Annual Fee | |
|---|---|---|---|---|---|---|
|
Capital One Walmart Rewards® Card
Review Coming Soon
|
5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay | 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations, at restaurants and on travel. 1% back everywhere else Mastercard® is accepted | N/A | 17.99% or 29.74% (Variable) | $0 | Review Coming Soon |
Capital One SavorOne Cash Rewards Credit Card
 Apply Now
on Capital One's secure site Rates & Fees |
$200 Cash Back after you spend $500 on purchases within 3 months from account opening | 3% Cash Back on dining and at grocery stores (excluding superstores like Walmart® and Target®); 3% Cash Back on popular streaming services and entertainment; 8% Cash Back on Capital One Entertainment purchases; 1% Cash Back on all other purchases | 0% intro on purchases for 15 months | 19.99% - 29.99% (Variable) | $0 |
Apply Now
on Capital One's secure site Rates & Fees |
|
Walmart Rewards Card
Review Coming Soon
|
5% cash back in Walmart stores for the first 12 months after approval when you use your card with Walmart Pay | 5% cash back at Walmart.com, including pickup and delivery. 2% back at Walmart stores and fuel stations. 1% back at Sam's Club and Sam's Club gas stations | N/A | 26.99% variable | $0 | Review Coming Soon |
Citi Custom Cash® Card
Apply Now
on Citibank's secure site Rates & Fees |
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back. | Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. | 0% intro APR for 15 months on purchases | 19.24% - 29.24% (Variable) | $0 |
Apply Now
on Citibank's secure site Rates & Fees |
The Capital One Walmart Rewards® Card offers a cashback program that’s hard to beat for frequent Walmart shoppers. Just be aware that the in-store cashback rate drops after the sign-up bonus period ends, so plan to make most of your purchases at Walmart.com or in the Walmart mobile app.
However, if you only shop at Walmart occasionally, a better card for your needs might be the Capital One SavorOne Cash Rewards Credit Card, with its robust cashback rewards on dining, entertainment, certain streaming services and at grocery stores.
The information related to the Capital One Walmart Rewards® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
