Walmart Rewards Mastercard: Is the Walmart Rewards Mastercard Worth It?

The Walmart Rewards Mastercard offers some of the most generous rewards of any retail credit card. You can earn unlimited 3-5% cash back on Walmart purchases and bonus categories like dining, travel, and more with no annual fee.

Walmart Rewards Mastercard

This post covers everything you need to know about this popular card.

About Walmart Mastercard

Walmart is the world’s largest retailer, so their co-branded Mastercard allows you to maximize savings at thousands of stores worldwide and Offering a $0 annual fee and no foreign transaction fees, this card competes with top rewards cards when used strategically.

But how does it actually work? What kind of perks and benefits come with the Walmart Rewards Mastercard? Let’s explore what makes this card stand out.

Earn Up to 5% Cash Back on All Walmart Purchases

The Walmart Rewards Mastercard offers unlimited 3-5% cash back on Walmart purchases, one of the highest ongoing rewards rates among retail cards:

  • 5% cash back at and in the Walmart app
  • 2% cash back at Walmart stores and Murphy USA/Walmart gas stations
  • 5% cash back for the first year at stores when using Walmart Pay

You can redeem rewards as statement credits or for Walmart shopping credit, gift cards, travel, and more. There’s no minimum redemption amount, so you can use your rewards anytime.

Score Additional Bonus Categories Beyond Walmart

In addition to robust Walmart rewards, you’ll earn accelerated cash back in useful categories including:

  • 2% cash back at restaurants
  • 2% cash back on travel spending
  • 1% cash back on all other purchases

With no categories to track or activate, these bonuses make it easy to maximize rewards for daily spending.

Enjoy a Suite of Valuable Travel and Purchase Protections

Despite having no annual fee, the Walmart Rewards Mastercard comes with an impressive lineup of cardholder perks:

  • Rental car insurance (secondary coverage)
  • Roadside dispatch assistance
  • Travel accident insurance
  • Baggage delay and trip cancellation/interruption insurance
  • Purchase protection and extended warranty coverage

These card benefits offer financial security and convenience when shopping and traveling.

Manage Your Card Seamlessly with Convenient Features

Card management and spending insights help you optimize usage of the Walmart Rewards Mastercard:

  • Spend analysis tools to identify top spending categories
    • Quick alerts for account activity
  • Virtual card numbers for secure online shopping
  • Choose your monthly due date

Qualify for the Card Despite Just Fair Credit

Unlike premium travel rewards cards requiring pristine credit, you may qualify for this Mastercard with fair credit conditions:

  • Check if you pre-qualify without a hard credit check
  • Consider the extra security deposit of a secured card
  • Get resources to build credit over time

Use this starter card wisely to work towards excellent credit for premium cards down the road.

Key Drawbacks to Weigh against the Benefits

While the pros outweigh the cons, be aware of a few limitations:

  • Rewards tracking with rotating bonus categories
  • Just 1-2% back at non-bonus merchants
  • Relatively low sign-up bonus compared to the best rewards cards
  • No special financing offers or 0% APR deals

Make sure the bonuses match your main spending habits. Consider coupling it with cards that fill any rewards gaps.

Combine Your Card with a Walmart+ Membership for Maximum Savings

Walmart+ members get fuel discounts at Walmart and Murphy gas stations. Stack those extra fuel savings with your 2% cash back from the Walmart Mastercard for killer rewards on gas purchases.

Walmart+ also gives free shipping with no order minimums, further maximizing online shopping value beyond the standard 5% card rewards.

Walmart Rewards Mastercard Login

For Walmart Rewards Mastercard login and account management:

To log in to your Walmart Rewards Mastercard online account:

  • Go to and click “Log In” in the top right corner. Enter your username and password to access your account.
  • If you don’t already have an online account, you can enroll using your card number, social security number, and ZIP code.

For the Walmart Mastercard in Canada:

To check your Walmart Mastercard balance:

  • Log in to your online account or Walmart Financial account. Your balance will be displayed on your account homepage.
  • You can also call the number on the back of your card to check your balance using the automated system.

To download the Walmart Mastercard mobile app:

  • Search “Walmart Credit Card” on the App Store or Google Play. Download the app from Capital One and log in to manage your account.

Contact Walmart Mastercard customer service:

  • Call 1.888.331.6133 for questions about your Walmart Rewards Mastercard.

To apply for a new Walmart Credit Card:

  • Visit and search for “credit card”. Click “Apply Now” and complete the online application.

To check your Walmart Rewards Mastercard balance:

  • Log into your account at Your balance will be displayed on your account homepage.
  • Or, call the number on the back of your card and use the automated system to check your balance.

You cannot withdraw cash directly from your Walmart Rewards Mastercard. It is a credit card, so you can use it to make purchases and get cash back rewards or other redemption options – but you cannot withdraw the cash from an ATM.

Is The Walmart Rewards Mastercard Worth It?

The Walmart Rewards Mastercard can be worth it for frequent Walmart shoppers who want to maximize rewards on their purchases. The 3% back on Walmart purchases is generous, especially considering there’s no annual fee.

For someone who does a significant amount of grocery and other shopping at Walmart, the 3% back could add up quickly. However, the card’s rewards rate on other categories is just average. Cards like the Citi Double Cash offer 2% back on everything.

So the Walmart card is best for those loyal to Walmart. For everyone else, a flat-rate 2% cash back card may prove more valuable in the long run. The Walmart card rewards Walmart loyalty specifically.


The Walmart Rewards Mastercard gives unmatched earning potential for Walmart loyalists. With stellar bonuses on digital and in-store Walmart shopping alongside dining, travel, and more, it provides compelling value for no annual fee.

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