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Walmart Rewards World Mastercard Review
Earn Walmart Reward Dollars on every purchase and get a high return when you shop online at Walmart.ca.
The Walmart Rewards World Mastercard lets you earn Walmart Reward Dollars for every purchase you make. You’ll earn 1.25% on gas and in-store Walmart purchases, 3% on purchases at Walmart.ca and 1% on everything else. This card comes with no annual fee and a welcome bonus, but little in the way of insurance or benefits.
Think about this card if you want to earn Walmart Reward Dollars (to spend at Walmart) and you don’t want to pay an annual fee.
Choose something else if you want low interest or you’d like a credit card that comes with comprehensive insurance/benefits.
Have a minimum annual household income of $100,000 or be a Walmart Rewards Mastercard holder who spends $15,000 or more each year.
If you want to stockpile Walmart Rewards Dollars without taking up space in your wallet, then the Walmart Rewards World Mastercard could be the right fit for you.
No annual fee. You won’t pay an annual fee to maintain this card.
Decent return. Earn 3% cashback when you shop at Walmart.ca and 1.25% when you pay for gas or make in-store Walmart purchases.
Purchase protection. Take advantage of 90-day purchase protection to cover the loss, theft or damage of any items you pay for on your card.
Extended warranty. Enjoy double the manufacturer’s warranty for consumer goods that you pay for using your Walmart Rewards World Mastercard.
Welcome bonus. Collect up to $25 in welcome bonus rewards when you spend money on your card and sign up for paperless statements (see below for conditions).
What do I need to qualify for my welcome bonus?
You’ll need to meet the following requirements to qualify for your welcome bonus:
Purchase bonus. You’ll earn a $15 bonus when you make a purchase online or in person at Walmart and another purchase wherever Mastercard is accepted (within 30 days of signing up).
Paperless bonus. You’ll earn another $10 bonus when you sign up for paperless statements.
Zero-liability insurance. Avoid paying for fraudulent activity on your account with Mastercard’s zero-liability protection.
Online security. Secure your purchases by inputting a special Mastercard SecureCode to verify your identity when you shop online.
Mastercard Global Service. Travel worry-free when you go overseas with services such as emergency card replacement and emergency cash advances.
Free additional cards. Order free additional cards so that you can earn Walmart Reward Dollars faster.
Boingo Wi-Fi. Enjoy access to over 1 million hotspots worldwide at no added cost.
What to watch out for
High interest. You’ll have to pay 19.89% interest on purchases and 22.97% on cash advances.
Few benefits. You won’t be able to qualify for extra benefits like travel coverage, roadside assistance or mobile device protection.
Rigid rewards. You can only redeem your Walmart Reward Dollars to spend money at Walmart, and it can’t be exchanged for cashback.
Walmart Rewards World Mastercard interest rates
Purchase interest rate
Cash advance rate
What should I know before I apply?
To apply for a Walmart Rewards World Mastercard in Canada, you need to meet the following criteria:
Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
Make a minimum household income of $100,000 or be a previous Walmart Rewards cardholder who’s spent at least $15,000 in the last 12 months
Required documents and information
Your name, residential status and contact information
Your Social Insurance Number (SIN) and date of birth
Your email address and phone number
How to apply
Visit the Walmart site for the World Mastercard and click on the orange “Get started” button to sign up.
Complete the online application, which includes providing your name, email address, Social Insurance Number (SIN) and birth date.
Review and submit your application, and wait for approval.
Once approved, your card will be shipped out in the mail and you’ll get a temporary shopping pass to start earning rewards right away.
Compare the Walmart Rewards World Mastercard with other credit cards
You may want to sign up for the Walmart Rewards World Mastercard if you regularly shop at Walmart and want to earn Walmart Reward Dollars. This card lets you earn 1.25% in rewards on gas and purchases at Walmart, and 3% when you spend money online at Walmart.ca. There’s no annual fee for this card, and you may qualify for a welcome bonus when you sign up.
Frequently asked questions about the Walmart Rewards World Mastercard
You can see your balance of Walmart Reward Dollars when you sign into your Walmart Rewards World Mastercard account or check your credit card statement.
You can redeem your Walmart Reward Dollars in $5 increments online or in-store. Just be aware that you can't cash them in for cash, tobacco, lottery tickets, alcohol or prescriptions.
The Walmart Rewards Mastercard is a fee-free Walmart credit card that comes with no income requirements. Just be aware that it offers fewer rewards and benefits than the Walmart Rewards World Mastercard.
Yes, you can apply for the Walmart Rewards World Mastercard online by visiting the website and clicking the orange "Get started" button. Your card should come in the mail shortly after and then you'll just need to call in to activate it.
Claire Horwood is a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee.
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