![]() ![]() The Walmart Rewards Mastercard takes a unique “digital-first” approach to card application and use. The card is also fairly easy to qualify for – open even to those with fair or average credit – so it could be a good option if your credit history has a few blemishes and you’re looking to work on your score while earning much better-than-average rewards than are typically available with a card at this credit level. While the maximum APR is a bit higher than the average APR for a retail card, the low-end APR is very good for a retail card. The Walmart Rewards Mastercard offers a variable APR of 19.48% or 29.99% ( See Rates and Fees). Capital One lets you use your rewards to redeem for eligible purchases, including flights and hotel stays as well as Uber rides, UberEATS orders, public transportation and more. Since the card is co-branded, you can also take advantage of a unique savings tool that will come in handy if you spend a decent amount on travel. While there’s no option to request your cash back as a direct deposit, you can redeem it as a statement credit at during checkout, for gift cards or for booking travel through the Capital One travel portal. Cash back is available outside of Walmart, no minimum redemption is required and cash back never expires. Unlike many store-branded cards, which limit when, how and how much you can redeem, the Walmart Rewards Mastercard offers a refreshingly flexible cash back redemption scheme. Keep in mind that this inflated rewards rate is only available for the first 12 months of owning the card. This introductory bonus is certainly welcome and – at least for the first year – could gives the Walmart Rewards Mastercard a higher rewards rate on many general purchases available at Walmart than you’ll find on competing flat-rate and no annual fee credit cards. ![]() All you need to do is scan a QR code at checkout and payment is processed automatically. Using Walmart Pay is simple, and your Walmart Rewards Mastercard is automatically loaded into the Walmart App (required to use Walmart Pay). The only catch is you’ll have to charge your card via Walmart Pay, the company’s addition to the increasingly popular mobile wallet market. ![]() The Walmart Rewards Mastercard also offers an introductory rewards rate of 5% cash back on in-store purchases for the first 12 months you own the card. Generous first-year rewards rate for in-store purchases supermarkets on up to $25,000 in purchases annually, then 1 point per dollar) and the Bank of America® Customized Cash Rewards credit card (2% cash back on grocery stores and wholesale club purchases on up to $2,500 combined grocery store, wholesale club and 3% choice category purchases quarterly, then 1%). If you’re willing to order online, the Walmart Rewards Mastercard’s rewards rate on groceries is one of the best on the market, beating out many of the best credit cards for grocery shopping, including the American Express® Gold Card (4 points per dollar at U.S. Your order must total at least $35, however, so be sure to plan ahead. Delivery costs vary based on which time slot you book, but pickup is free and usually available as soon as the same day you order. While in-store grocery purchases only earn 2% back, if you order your groceries online for pickup or delivery, you get the card’s maximum cash back rate of 5%. One of your best options for grocery pickup or deliveryĮven if you don’t think of yourself as a frequent online shopper, you could still squeeze unexpected value out of the Walmart Rewards Mastercard thanks to its inflated rewards rate on online grocery purchases. Weave these in with flexible redemption options and this card stands apart from other cards in the retail card space. The card also comes with an introductory rewards rate of 5% on purchases in Walmart stores for the first 12 months when you use your card with Walmart Pay, making it a great rewards earner initially. Why you might want the Walmart Capital One Rewards Mastercardįrequent Walmart grocery customers who shop online – or are willing to start shopping online – will benefit greatly from 5% back on grocery purchases made on. However, if you prefer the flexibility of shopping around and comparing prices, it might be best to opt for a general rewards credit card that isn’t tied to a specific store. If you’re a regular Walmart customer and are open to doing most of your shopping online, the Walmart Rewards Mastercard could be a great addition to your wallet. The card’s reasonable APR and hassle-free redemption scheme also set it apart from many other store-branded cards, which tend to be much more restrictive. The card’s generous cash back rate on purchases and the option for free in-store pickup makes the Walmart Rewards Mastercard a great choice for online grocery shopping. The Capital One Walmart Rewards Mastercard is a practical, flexible cash back card that could offer a lot of value to frequent Walmart customers. ![]()
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