What credit cards does Walmart accept?

There are no surprises when it comes to what credit cards you can use at Walmart. Walmart accepts Visa, MasterCard and American Express cards. You can also use a variety of other payment methods with the retailer. Read on to learn more about popular credit cards to use at Walmart.

Major credit cards accepted at Walmart

Popular credit cards to use at Walmart

Walmart offers its own credit card, which you can use for accelerated cash back on any Walmart purchases. But there are other alternatives to consider, such as the competitive CIBC Dividend Visa Infinite Card or the Scotia Momentum Visa Infinite Card.

Welcome Offer	Rewards	Annual Fee
Walmart Rewards Mastercard	Get $25 in Reward Dollars	Up to 3% cash back	$0	Get up to $25 in bonus Walmart Reward Dollars. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it The Walmart Rewards Mastercard could be a solid addition to your wallet if you often shop at Walmart. Plus, you earn cash back on restaurant and travel purchases outside of Walmart. Pros & cons Pros Earn 3% online and in-store at Walmart $0 annual fee Get up to $25 in bonus Walmart Reward Dollars. Cons Receive only 1% on all other categories of spending
Walmart Rewards World Mastercard	Get $25 in Reward Dollars	Up to 3% cash back	$0	Get a $25 Reward Dollars when you’re approved and spend $75 in a single purchase at Walmart with your new Walmart Rewards Mastercard in the first 30 days. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it Earning more Walmart Reward Dollars per $1 spent than the Walmart Rewards Mastercard, the Walmart Rewards World Mastercard can help accelerate your rewards earn when you shop at Walmart and elsewhere. Earn 3% cashback in-store at any Walmart store and Walmart.ca and earn 1% cash back at everywhere else. Pros & cons Pros Earn 3% online and in-store at Walmart $0 annual fee Get a $25 Reward Dollars when you’re approved and spend $75 in a single purchase at Walmart with your new Walmart Rewards Mastercard in the first 30 days. Cons Receive only 1% on all other categories of spending
Finder Rewards Exclusive Tangerine Money-Back Credit Card	Bonus 10% cash back	Up to 2% cash back	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back Credit Card 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it As a cash back credit card, the Tangerine Money-Back Credit Card helps you earn cash rewards on your everyday purchases, with accelerated rewards where you spend the most. Earn 2% cash back in two Tangerine credit card categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account) and 0.5% cash back on everything else. Categories include groceries, gas, restaurants, hotels, recurring bill payments, drug store, home improvement and entertainment. Plus, get access to a 1.95% interest rate on a balance transfer for the first 6 months. Pros & cons Pros Earn 2% cash back in two Tangerine credit card categories of your choice (or three categories if you open a Tangerine Savings Account and directly deposit your cash back into the account) and 0.5% cash back on everything else. $0 annual fee. Get a 1.95% interest rate on balance transfers for the first six months. To take advantage of this offer, you must complete the Balance Transfer request within 30 days of account approval and activate your card within 45 days of approval. A promotional 1% balance transfer fee applies for each transferred amount (the standard balance transfer fee is the greater of 3% or $5, but this is waived by Tangerine if you're a resident of Quebec). Cons Receive only 0.5 cash back on all other categories of spending You'll pay a foreign transaction fee of 2.5% on all overseas purchases Pay a balance transfer fee of 1% of the total transferred amount or $5, whichever is greater
BMO CashBack Mastercard	5% cashback	Up to 3% cashback	$0	Get up to 5% cash back in your first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it Earn cash back at a standard rate of 3% on groceries (up to a maximum of $500 per statement cycle period), earn 1% on recurring bill payments (up to a maximum of $500 per statement cycle period) and earn 0.5% on all other eligible purchases (unlimited). Plus, earn up to 5% cashback as a welcome bonus and get a balance transfer offer. Pros & cons Pros Get up to 5% cash back in your first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances. Earn cash back at a standard rate of 3% on groceries (up to a maximum of $500 per statement cycle period), earn 1% on recurring bill payments (up to a maximum of $500 per statement cycle period) and earn 0.5% on all other eligible purchases (unlimited). For the first 9 months, new customers can get a 0.99% introductory interest rate with a 2% fee on balance transfers from non-BMO credit cards. After that, balance transfers are subject to a 23.99% cash advance interest rate. $0 annual fee Cons Receive only 0.5 cash back on all other categories of spending You'll pay a foreign transaction fee of 2.5% on all overseas purchases You'll face a balance transfer fee if you decide to do a balance transfer
Scotia Momentum No-Fee Visa Card	Up to 10% cash back	1% cash back	$0	Earn 10% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months. Apply by July 1, 2026.. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it Get 1% cash back on all eligible gas station, grocery store, drug store purchases, transit, rideshare, food delivery and recurring bill payments, and get 0.5% cash back on all other eligible purchases. Plus, get a welcome bonus and a balance transfer offer. Pros & cons Pros Earn 10% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0% introductory interest rate on balance transfers for the first 6 months. Apply by July 1, 2026. Get 1% cash back on all eligible gas station, grocery store, drug store purchases, transit, rideshare, food delivery and recurring bill payments, and get 0.5% cash back on all other eligible purchases. $0 annual fee Cons Receive only 0.5% on all other categories of spending
Neo Mastercard	N/A	An average of 5% cash back	$0	Go to siteView details Compare product selection Compare	loading	Why we like it N/A Plus, you'll earn a solid cash back return on your everyday spending. With the Neo Mastercard, earn cash back at local and national Neo partners, including food, clothing, footwear and homeware retailers. Earn 1% cash back on groceries and gas/EV charging. With a Build membership, you'll get credit score improvement tools, access to secured credit and Neo Money ATM fee reimbursements. Grow members get all this plus premium support (FX fee rebates are coming soon). You can sign up for 3 different Neo credit card plans: Standard, Plus and Ultra. The card you choose will depend on how much cash back you want to earn and how much you're willing to pay for your monthly fee. Pros & cons Pros An average of 5% cash back Choose between 3 card types: The Standard, Plus and Ultra Cons You'll have to pay a monthly fee if you opt for the Ultra or Plus cards You won't get any additional perks like travel insurance, roadside assistance or purchase protection
Simplii Financial Cash Back Visa Card	Up to 20% cash back	Up to 4% cash back	$0	Earn up to 20% cash back. Earn up to $100 cash back in your first 3 months when you spend up to $500 spending on eligible gas, grocery, and drugstore purchases, and pre-authorized payments. T&Cs apply.	View details Compare product selection Compare	loading	Why we like it The Simplii Financial Cash Back Visa Card offers a strong welcome offer. Earn up to 20% cash back. Earn up to $100 cash back in your first 3 months when you spend up to $500 spending on eligible gas, grocery, and drugstore purchases, and pre-authorized payments. Plus, you'll also earn cashback. Earn 4% cash back on eligible restaurants, bars and coffee shops (up to $5,000 spend a year), 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $15,000 per year), and 0.5% on everything else. Pros & cons Pros Earn up to 20% cash back. Earn up to $100 cash back in your first 3 months when you spend up to $500 spending on eligible gas, grocery, and drugstore purchases, and pre-authorized payments. $0 annual fee Earn 4% cash back on eligible restaurants, bars and coffee shops (up to $5,000 spend a year), 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments (up to $15,000 per year), and 0.5% on everything else. Cons This card has a foreign transaction fee of 2.5%

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Who is most likely to be researching credit cards Walmart accepts?

Finder data suggests that men aged 25-34 are most likely to be researching this topic.

Getting rewards on your Walmart credit card purchases

If you shop at Walmart frequently, you can use your credit card to earn cashback on your purchases. With the right program, you could end up building up a sizable discount towards a big purchase.

If you want elevated rewards from your credit card, carefully check its bonus categories. Card providers use merchant category codes (MCCs) to determine whether purchases from certain retailers qualify for bonus rewards.

Your card may offer accelerated rewards on groceries. Unfortunately, you might not get this rewards rate when you use the card at standard Walmart stores. But you might get it if you use the card at Walmart Supercenters, which sell groceries.

If you’re not sure whether your card provider classifies Walmart purchases for its reward program, give it a call and ask a representative.

Payment options at Walmart

• Cash
• Debit cards, including Visa and MasterCard debit cards
• Credit cards, including the Walmart Rewards Mastercard
• Walmart Canada gift cards
• Visa and MasterCard gift cards
• Walmart Reward Dollars™ can be redeemed in $5 increments

Additional payment options at Walmart.com

• PayPal
• All payment methods above, except cash

Compare these credit cards for Walmart purchases

With the Walmart Rewards Mastercard, you can get 3% cash back on purchases you make at Walmart and Walmart.ca — including Grocery Pickup. You’ll also get 1% on anything you buy elsewhere.

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Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee	Min. Credit Score
Finder Rewards ExclusivePromoted Tangerine Money-Back Credit Card	Bonus 10% cash back	Up to 2% cash back	20.95%	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back Credit Card 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Min. recommended credit score: 600	Go to siteView details Compare product selection Compare	loading
Promoted Neo Mastercard	N/A	An average of 5% cash back	19.99% - 29.99% (up to 24.99% in QC)	$0	Min. recommended credit score: 640	Go to siteView details Compare product selection Compare	loading
Promoted Loop Corporate Credit Card	N/A	Up to 2 points per $1 spent	30%	$0	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading
Finder Rewards Exclusive Tangerine Money-Back World Mastercard	Get $120	Up to 2% cash back	20.95%	$0	ENDS SOON! $200 DIGITAL VISA CARD REWARD 1 Join Finder 2 Get a Tangerine Money-Back World Mastercard 3 Get a digital Visa gift card from Finder Ends by. T&Cs apply.	Get $120 with a Money-Back World Mastercard when you spend $1,500 in the first 3 months. Valid until April 30, 2026. Plus, get a 1.95% interest rate on balance transfers for the first 6 months. T&Cs apply.	Min. recommended credit score: 600	Go to siteView details Compare product selection Compare	loading
RBC Cash Back Mastercard	Up to 7% cash back	Up to 2% cash back	20.99%	$0	Get up to 7% cash back for the first 3 months on up to $1,000 in total purchases. Apply by March 25, 2026.. T&Cs apply.	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading
American Express Cobalt Card	15,000 points	Up to 5x points per $1 spent	21.99%	$191.88	Earn up to 15,000 Membership Rewards points in your first year. Earn 1,250 Membership Rewards points for each monthly billing period in which you spend $750 in purchases. That’s up to $150 towards a weekend getaway or concert tickets. T&Cs apply.	Annual fee: $15.99/month ($191.88 annually). Quebec residents: $191.88/year. Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
RBC ION Visa	11,000 points	Up to 1.5 points per $1 spent	20.99%	$0	Get up to 11,000 Avion points. Apply by May 6, 2026.. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
BMO CashBack Mastercard	5% cashback	Up to 3% cashback	21.99%	$0	Get up to 5% cash back in your first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
BMO eclipse rise Visa Card	25,000	Up to 5 points per $2 spent	21.99%	$0	Earn up to 25,000 bonus points. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
RBC Avion Visa Infinite	Up to 55,000 points	Up to 1.25 points per $1 spent	20.99%	$120	Get up to 55,000 Avion Points. Apply by June 15, 2026. T&Cs apply.	Min. recommended credit score: 650	Go to siteView details Compare product selection Compare	loading
BMO Preferred Rate Mastercard	0% rate on balance transfers for 9 months	N/A	13.99%	$0 annual fee for the first year ($29 thereafter)	Get a 0% introductory interest rate on balance transfers for 9 months with a 0.99% transfer fee. Plus, get the $29 annual fee waived for the first year. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
RBC ION+ Visa	Up to 21,000 points	Up to 3 points per $1 spent	20.99%	$48	Get up to 21,000 Avion points. Apply by May 6, 2026.. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
American Express Green Card	10,000 points	1 point per $1 spent	21.99%	$0	Earn a Welcome Bonus of 10,000 Membership Rewards points when you charge $1,000 in purchases to your card in the first 3 months as a new Cardmember. That’s $100 towards groceries or concert tickets. T&Cs apply.	Min. recommended credit score: 700	View details Compare product selection Compare	loading
BMO Ascend World Elite Mastercard	100,000 points	Up to 5x points per $1 spent	21.99%	$0 annual fee for the first year ($150 thereafter)	Get up to 100,000 points, Mastercard Travel Pass & 4 Complimentary Lounge Passes, NEXUS Statement Credit and get the $150 annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. That's up to $1,600 in value. T&Cs apply.	Min. recommended credit score: 760	Go to siteView details Compare product selection Compare	loading
BMO eclipse Visa Infinite Privilege	200,000 points	5 points per $1 spent	21.99%	$599	Get up to 200,000 welcome points, Visa Airport Companion Program membership & 6 Complimentary Lounge Passes, NEXUS Statement Credit, $200 Statement Credit and earn 25% more points when you add another cardholder. That's up to $2,300 in value. Plus, get 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee. T&Cs apply.	Min. recommended credit score: 760	Go to siteView details Compare product selection Compare	loading
SimplyCash Card from American Express	Up to $100 in bonus cash back	Up to 2% cash back	21.99%	$0	In your first 3 months, earn a bonus 5% cash back on all purchases - on top of your everyday cash back earn rates (up to $2,000 in purchases). That’s up to $100 in bonus cash back. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
Scotiabank Passport Visa Infinite Card	60,000 points	Up to 4x points per $1 spent	20.99%	$150	Earn up to 60,000 bonus Scene+ points (that’s up to $1,500 in value in the first 12 months). Apply by July 1, 2026.. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
Scotiabank Scene+ Visa Card	10,000 points	Up to 4 points per $1 spent	20.99%	$0	Earn up to 10,000 Scene+ points in the first 3 months. Apply by July 1, 2026.. T&Cs apply.	Min. recommended credit score: 660	Go to siteView details Compare product selection Compare	loading
Scotiabank Gold American Express Card	45,000 points	Up to 6x points per $1 spent	20.99%	$120	Earn up to 45,000 bonus Scene+ points. Apply by July 1, 2026.. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading
American Express Aeroplan Reserve Card	85,000 points	Up to 3x points	21.99%	$599	Earn up to 85,000 welcome bonus Aeroplan points. Plus, you could earn up to $4,400 in value within your first 13 months. T&Cs apply.	Min. recommended credit score: 700	Go to siteView details Compare product selection Compare	loading

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Bottom line

You can use credit cards from all major providers at Walmart and Walmart.ca. Rewards credit cards can be particularly good choices at Walmart. If you want to earn elevated rewards on your purchases, consider getting a card that offers high cashback rewards.

Compare different cashback credit cards and to help find a product that works for you.

Credit cards at Walmart FAQs

• Can I apply for the Walmart credit card in a store?

  Yes. You can apply for the Walmart Rewards Mastercard at a register. Bring your government-issued ID and personal financial information.

• Does the Walmart credit card have a signup bonus?

  Yes. You can earn a Get up to $25 in bonus Walmart Reward Dollars. when you first sign up for the Walmart Rewards Mastercard.

Written by

Kevin Joey Chen

Writer

Kevin Chen is a personal finance expert and a former writer at Finder. His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and CreditCards.com, among other top media. See full bio

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Chelsey Hurst

Publisher

Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature. See full bio

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Chelsey has written 124 Finder guides across topics including:

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