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Walmart is a smart choice for everyday shopping thanks to its low prices and wide selection of household items. But to stretch your budget even farther, how you pay can make a big difference. The best credit cards for Walmart offer extra rewards for both in-store and online purchases and can save you money through other card benefits, too.
Best Credit Cards To Use at Walmart in 2025
More About Best Credit Cards for Walmart
Best Credit Card for Walmart Purchases: U.S. Bank Shopper Cash Rewards® Visa Signature® Card*
Rewards: Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit), 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Travel Center, 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
Welcome offer: Earn $250 after spending $2,000 in eligible purchases within the first 120 days of account opening.
Annual fee: $0 intro annual fee for the first year, then $95
Whether you shop exclusively at Walmart or spread your spending across multiple retailers, the U.S. Bank Shopper Cash Rewards® Visa Signature® Card* offers fantastic cash-back rewards. You can choose two retailers of your choice each quarter—Walmart being one option—and earn 6% rewards on your first $1,500 in combined eligible purchases that quarter. You can also choose a 3% earning category (from your choice of gas stations, wholesale clubs and more), making it the best credit card for Walmart and Costco combined.
Cardholders will need to be on top of their game to designate their preferred retailers and purchase categories each quarter and track spending to know when they’re approaching their spending limit. But even after maxing out that cap, or on purchases not in specialty categories, the base earnings rate of 1.5% is a good one.
Best Card for Walmart.com Online Purchases: Blue Cash Everyday® Card from American Express
Rewards: Earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Welcome offer: Earn a $200 statement credit after spending $2,000 on purchases within the first 6 months.
Annual fee: $0 (Terms apply, see rates & fees)
The Blue Cash Everyday® Card from American Express is a cash-back workhorse that earns up to 3% on U.S. online retail purchases, among other things. If you’re a frequent Walmart.com shopper, whether you’re having items delivered or are choosing in-store pickup, this is an easy way to maximize your earnings.
Additionally, cardholders receive an up to $84 a year credit toward the Disney Bundle for an eligible auto-renewing subscription ($7 back monthly after spending $9.99+ each month). Like many other Amex cards, access to Amex Offers is included, potentially saving you even more. Enrollment is required for select benefits.
Best Flat-Rate Cash Rewards Credit Card for Walmart: Wells Fargo Active Cash® Card
Rewards: Earn 2% cash rewards on purchases.
Welcome offer: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Annual fee: $0 (rates & fees)
The Wells Fargo Active Cash® Card is an ideal catchall card for those who crave simplicity. Its flat-rate rewards mean you’ll earn a competitive return at Walmart and everywhere else without having to devote any brainpower along the way. And with no annual fee, your rewards are truly yours to enjoy.
The introductory APR can also be extremely useful to new cardholders, especially if you have a big purchase coming up. After approval, you’ll get a 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers, then a 19.24%, 24.24%, or 29.24% variable APR applies. Balance transfers made within 120 days qualify for the intro rate and fee of 3% (min. $5) then a fee of up to 5% (min. $5) applies.
Best Credit Card for Earning Travel Rewards on Walmart Purchases: Capital One Venture X Rewards Credit Card
Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.
Welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.
Annual fee: $395 (rates & fees)
If you’re looking to transform your Walmart spending into travel rewards that can fund your next trip, look no further than the Capital One Venture X Rewards Credit Card. The card offers easy flat-rate rewards with flexible travel redemptions and premium perks to compensate for its annual fee.
Major travel benefits include complimentary access to Capital One and Partner Lounge Network lounges when you fly, a $300 annual credit for bookings through Capital One Travel and 10,000 bonus miles each year starting on your first anniversary. When you’re ready to redeem rewards, you can transfer your miles to airline and hotel loyalty partners, pay for reservations made through Capital One Travel with miles or request a statement credit for a travel purchase you’ve recently made with the card.
Best Credit Card for PayPal Checkout at Walmart: PayPal Cashback Mastercard®*
Rewards: Earn 3% cash back when checking out with PayPal and 1.5% on all other purchases.
Welcome offer: This card does not offer a welcome bonus.
Annual fee: $0
Although you might associate PayPal with online purchases, the ability to check out with Paypal at Walmart makes the PayPal Cashback Mastercard®* one of the best credit cards for Walmart in-store purchases, too. You’ll get a high rewards rate that way with no limits, activations or other restrictions.
The PayPal Cashback Mastercard also stands out because you may only need fair credit for approval, making it accessible to more potential customers. Unfortunately, this card doesn’t offer any notable benefits beyond its high rewards rate on PayPal purchases. But for a $0 annual fee, that might be enough for you.
Best Card for Walmart+ Credits: The Platinum Card® from American Express
Rewards: Earn 5 Membership Rewards® Points per dollar for flights booked directly with airlines or with American Express Travel® on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel® and 1 point per dollar on other eligible purchases.
Welcome offer: Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases on the card in the first 6 months of card membership.
Annual fee: $695 (Terms apply, see rates & fees)
The Platinum Card® from American Express won’t make sense for everyone, due to an extremely expensive annual fee. But that cost can be offset by credits of up to $12.95 per month to cover a monthly Walmart+ membership along with hundreds of dollars in other credits to use toward digital entertainment subscriptions, Uber Cash, airline incidental fees and more. Terms apply and enrollment is required for select benefits.
Many of the card’s built-in benefits lean high-end—think elite status with Hilton Honors™ and Marriott Bonvoy® (enrollment required) and airport lounge access—but there are also savings to be had. The card offers return protection¹, purchase protection¹ and extended warranties¹, which can all be helpful to travelers.
Best Walmart Credit Card for Bad Credit: Capital One Quicksilver Secured Cash Rewards Credit Card
Rewards: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
Welcome offer: This card does not offer a welcome bonus.
Annual fee: $0 (rates & fees)
You can build your credit while also earning rewards with the no-annual-fee Capital One Quicksilver Secured Cash Rewards Credit Card. Making on-time payments can increase your credit score and you’ll be covered by select consumer protections, like zero fraud liability*.
Like all secured cards, you’ll need to supply a security deposit if you’re approved. However, Capital One automatically reviews accounts after six months to evaluate you for a credit line increase with no additional deposit necessary. Additionally, cardholders with a track record of responsible use could earn their full deposit back and have their card converted to an unsecured version.
How To Choose the Best Card for Walmart
Buying essentials at Walmart might categorize you as a cost-conscious shopper, so considering all the costs of a new potential credit card is a great place to start. Consider annual fees, APRs and other associated costs before you get lured in by other elements.
Rewards are another significant selection factor: Look at your expenses over the past few months and run some numbers on a few cards to see which one would’ve given you the most rewards. Cards with specified bonus categories and high earning rates can make sense if your spending is concentrated in those areas, while those with more general spending might do better with a card that has a higher base rate.
Best Credit Card To Use at Walmart For Groceries
Even though there are several great credit cards for groceries, most of them won’t be much use at Walmart. That’s because nearly all Walmarts are considered “superstores” rather than grocery stores or supermarkets, even if grocery purchases comprise 100% of your shopping cart. Only the overall store classification (also known as a merchant code) matters when credit cards categorize your transaction and calculate your rewards.
Therefore, if you do all your grocery shopping at Walmart, you’ll want to look for a credit card that rewards superstore purchases rather than one labeled for groceries. If you do a mix of shopping at Walmart and more classic grocery stores, you may prefer to use two different credit cards—one for each type of shopping—or look into an all-purpose card instead.
Is a Credit Card for Walmart Purchases Worth It?
Someone who shops at Walmart for everything might find a credit card for Walmart a smart addition to their wallet. It’s easy to earn extra rewards by paying with the right card. However, customers who only pop into Walmart occasionally don’t necessarily need to pick a Walmart credit card specifically: Many other cash-back or rewards credit cards will do.
Find The Best Credit Cards For 2025
No single credit card is the best option for every family, every purchase or every budget. We’ve picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.
To view rates and fees for Blue Cash Everyday® Card from American Express please visit this page.
To view rates and fees for The Platinum Card® from American Express please visit this page.
*For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
¹Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
Frequently Asked Questions (FAQs)
What credit card pays for a Walmart membership?
The Platinum Card® from American Express covers your monthly Walmart+ membership in the form of a statement credit when you use the card to pay the monthly subscription fee.
Does Walmart count as a grocery store for credit card rewards?
Most Walmart locations are not considered grocery stores for the purposes of earning credit card rewards. They are more frequently considered superstores. However, there may be some exceptions for smaller Walmart Neighborhood Markets that exclusively sell groceries.