Best credit cards for shopping at Walmart (2026)

Best credit cards for Walmart shopping (2026)

---

---

Why we like it: The Capital One Venture Rewards makes sense if you want to earn travel rewards on your everyday purchases. It’s easy to use and provides a flexible rewards rate that works with any eligible purchase. That’s especially useful because Walmart stores aren’t typically categorized as a “grocery store” or “supermarket” for credit card purchases.

Read our full Capital One Venture Rewards review

---

Why we like it: The Blue Cash Everyday is an excellent gas and grocery card, but those types of purchases don’t typically apply to Walmart. However, this card also offers 3% cash back on US online retail purchases of up to $6,000 per year, then 1%*. This category includes purchases on Walmart.com. Some reports say that using Walmart Pay in-store could also trigger this spending category.

*Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout

Read our full Amex Blue Cash Everyday review

---

Why we like it: The Chase Freedom Flex can provide up to 5% cash back on Walmart purchases if you activate the offer while Walmart is one of the current rotating categories. Walmart has been selected as a rotating category multiple times over the years. 

PayPal is another common Chase Freedom rotating category and an accepted payment method for Walmart.com purchases.

Read our full Chase Freedom Unlimited® vs. Freedom Flex comparison

---

Why we like it: The Citi Double Cash is a straightforward cash-back credit card that you can easily use as the only card in your wallet. With its simple earning rate, you don’t have to worry about different types of spending categories, which is helpful at stores like Walmart. 

Read our full Citi Double Cash review

---

More details: For the 6% category, you can choose from retailers like Apple, Amazon, Best Buy, Disney, Home Depot, IKEA, Kohl’s, Lowe’s, Macy’s, Target, Walmart, and more.

Why we like it: If you choose Walmart as one of your selected retailers, you can earn 6% cash back on up to $1,500 each quarter. That’s potentially $90 in cash-back rewards per quarter or $360 per year, which isn’t a bad return for frequent Walmart shoppers. You can also choose another retailer each quarter if you don’t always shop at Walmart.

---

Why we like it: The Discover it Cash Back Credit Card has provided multiple rotating categories in the past that could be helpful for Walmart purchases:

Check out Discover’s current categories for this quarter.

---

Business credit cards to consider for Walmart purchases

Why we like it: The Amex Blue Business Plus provides a flexible earning rate and an intro APR offer on purchases. This makes it an ideal choice for small business owners who don’t want to worry about confusing spending categories and might have upcoming significant expenses at Walmart or other retailers.

---

Why we like it: The Ink Business Unlimited has a slightly lower earning rate than the Amex Blue Business Plus, but there’s no spending cap and you get more redemption options, like flights and hotel stays through the Chase travel portal. This card also provides an intro APR offer on purchases.

Read our full Chase Ink Business Unlimited review

---

Why we like it: Earning at least 2x miles on every eligible purchase, with no spending cap, could be an excellent option for many high-spending businesses. That’s especially true if you prefer using your Capital One Spark Miles rewards for travel redemptions, including transfers to over 15 travel partners.

Read our full Capital One Spark Miles review

---

How to maximize your shopping at Walmart

1. Have a plan

Going shopping without a strategy makes it easier to overspend. List everything your family needs, ordered by importance. So, for the necessities on your list, place those at the top and keep the nice-to-haves at the bottom.

2. Use a rewards credit card

The average shopper visits Walmart 67 times each year and spends an average of $54 each time, according to the Capital One Shopping Research. That adds up to $3,618 spent annually at the retailer.

Here’s how much you could earn in rewards if you were to use a rewards credit card for that amount:

Earning $100 or more is a nice savings that can act like a discount on future purchases, whether you’re using the rewards for shopping, dining, travel, or something else. Even better, there’s no real downside to using credit cards, as long as you only spend what you can afford and always make full and on-time payments.

3. Look for coupons and discounts

Walmart doesn’t have a coupon program, but you can use manufacturer coupons and offers. 

You can use paper manufacturer coupons while making in-store purchases at checkout or add offers to your account using the Walmart app or Walmart.com. After successfully using an offer, Walmart Cash is added to your account. You can redeem Walmart Cash to pay for purchases online or in store, or you can cash it out in store.

For general savings deals at Walmart, we recommend looking for “Rollback” and “Reduced price” tags on Walmart.com. 

4. Use Walmart+

Launched in 2020, Walmart’s membership program has a lot to offer, including free shipping with no order minimum — which can be extremely valuable depending on your situation.

With free shipping, you can do all your Walmart shopping without leaving your home. Shopping online can also make it easier to compare prices and search for savings. This could be especially useful on big-ticket items such as laptops and other electronics, where a small (5% to 15%) discount might mean big savings for you.

If you’re interested in Walmart+, these credit cards can completely cover the subscription cost, including taxes, for you:

Read more: Target Circle 360 vs. Walmart+ and Amazon Prime

5. Consider used or refurbished items

Buying used or refurbished items, especially for large purchases such as electronics, can help you save money. The Walmart Restored program offers refurbished items from top brands that have been inspected, tested, and cleaned by experts — all available at a lower price than what you would typically pay.

6. Track prices

If possible, we suggest tracking costs to see if something you’ve purchased goes down in price. In some cases, you might be able to return an item and repurchase it at a lower price, saving you some cash. From our experience, Walmart has a decent return policy, typically giving you 90 days to return or replace an item. 

How to choose the best credit card for Walmart

• Eligibility requirements: The best rewards credit cards typically require a good to excellent credit score, which is at least a 670 FICO Score.

• Annual fee: Yearly fees immediately detract from a card’s value, but depending on your desired rewards and benefits, cards with annual fees could be worth it.

• Rewards: Most rewards cards earn points, miles, or cash back, and different cards can have different spending categories, such as earning elevated rewards on dining and grocery purchases or earning a flat rate on all eligible purchases.

• Intro APR offer: A 0% introductory APR offer on purchases is an excellent way to avoid paying interest for a certain period of time. That could be especially helpful if you have upcoming large expenses, such as holiday shopping.

• Perks and benefits: Some of our favorite card benefits for Walmart purchases include a free Walmart+ membership, purchase protection, and extended warranty protection.

Frequently asked questions (FAQs) for Walmart credit cards

How do you get 5% cash back at Walmart?

The Capital One Walmart Rewards® Mastercard® previously offered 5% cash back at Walmart.com, but Capital One and Walmart ended their exclusive agreement in May 2024 and the card is no longer accepting new applicants. 

Here are some other cards with high earning potential at Walmart or Walmart.com:

Which credit card offers free Walmart+?

The Platinum Card® from American Express and American Express® Business Gold Card offer statement credits for monthly Walmart+ memberships. With each card, you must pay for a monthly Walmart+ membership (subject to auto-renewal) to receive up to $12.95 plus applicable taxes as a monthly statement credit.

What credit card company does Walmart use?

Capital One was the exclusive issuer of Walmart credit cards until the partnership ended in May 2024. Existing Capital One Walmart cardholders can continue using their cards and earning rewards until Capital One makes changes. 

Our methodology

We used existing rubrics for cash-back credit cards, travel credit cards, and business credit cards to compare over 100 products to find the best credit cards for Walmart. These rubrics measured various factors contributing to a final rating, including rewards, fees, and introductory APR offers.

We selected the best cards from these rubrics and used our experience, research, and expert opinion to narrow the options. Our final list includes a variety of cards that make sense for different goals and preferences when it comes to shopping at Walmart.

This article was edited by Alicia Hahn

---

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.