What credit cards does Walmart accept?

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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 best credit cards to use at Walmart.

Major credit cards accepted at Walmart

Best 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.

Walmart Rewards Mastercard

Credit recommended (650-) Read review

650
Min. credit score

$0
Annual fee

Up to 1.25%
Cash back

$25 bonus
Welcome offer

• Info
• Pros & Cons
• Details

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.

• Earn rewards faster at Walmart. Earn 1.25% online and in-store at Walmart
• Annual fee. This card comes with a $0 annual fee.
• Signup bonus. Get up to $25 in bonus Walmart Reward Dollars.
  
  

• Low return on other purchases. Receive only 1% on all other categories of spending.

Annual Fee	$0
Purchase APR	19.89% fixed
Cash Advance Rate	22.97%
Balance transfer APR	N/A
Welcome offer	Get up to $25 in bonus Walmart Reward Dollars.
Rewards	Earn 1.25% cashback online and in-store at any Walmart store in Canada, and earn 1% cash back at gas stations and everywhere else.

Disclaimer

Please note: All information about Walmart Rewards Mastercard has been collected independently by Finder and this product is not available through this site.

Walmart Rewards World Mastercard

Credit recommended (650-) Read review

650
Min. credit score

$0
Annual fee

Up to 3%
Cash back

$25 bonus
Welcome offer

• Info
• Pros & Cons
• Details

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 online at Walmart, 1.25% cashback in-store at any Walmart in Canada, 1.25% cash back at gas stations and 1% cashback everywhere else.

• Earn rewards faster at Walmart. Earn 3% online and in-store at Walmart
• Annual fee. This card comes with a $0 annual fee.
• Signup bonus. Get up to $25 in bonus Walmart Reward Dollars.

• Low return on other purchases. Receive only 1% on all other categories of spending.

Annual Fee	$0
Purchase APR	19.89% fixed
Cash Advance Rate	22.97%
Balance transfer APR	N/A
Welcome offer	Get up to $25 in bonus Walmart Reward Dollars.
Rewards	Earn 3% cashback online at Walmart, 1.25% cashback in-store at any Walmart in Canada, 1.25% cash back at gas stations and 1% cashback everywhere else.

Tangerine Money-Back Credit Card

Credit recommended (600-) Apply now on Tangerine's secure site

600
Min. credit score

$0
Annual fee

6 months
1.95% intro transfer APR

Up to 2%
Cash back

• Info
• Pros & Cons
• Details

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.

• Earn rewards fast. 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.
• Annual fee. This card comes with a $0 annual fee.
• Balance transfer rate. 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 balance transfer fee equaling the greater of 3% or $5 will be charged on each transferred amount (fee is waived by Tangerine if you're a resident of Quebec).

• Low return on other purchases. Receive only 0.5 cash back on all other categories of spending.
• Currency conversion. You'll pay a foreign transaction fee of 2.5% on all overseas purchases.
• Missed payment fee. You'll pay a 24.95% rate on missed payments.
• Balance transfer fee. Pay a balance transfer fee of 3% of the total transferred amount or $5, whichever is greater.

Annual fee	$0
Purchase APR	19.95% fixed
Balance transfer APR	1.95% intro for the first 6 months (then 19.95% fixed)
Balance transfer fee	$5 or 3% of the transaction, whichever is greater
Rewards	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.

BMO CashBack Mastercard

Credit recommended (660-) Apply now on BMO's secure site

660
Min. credit score

$0
Annual fee

9 months
0.99% intro transfer APR

Up to 3%
Cash back

• Info
• Pros & Cons
• Details

Earn cash back at a standard rate of 3% on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases. Plus, earn up to 5% cash back as a welcome bonus and get a balance transfer offer.

• Earn cash back. Earn cash back at a standard rate of 3% on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.
• Balance transfer rate. 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 22.99% cash advance interest rate.
• No annual fee. This card comes with a $0 annual fee.
• Signup bonus. Get 5% cash back on all eligible purchases in the first three months of card membership (up to a maximum spend of $2,500, after which standard cash back rates apply).
  
  
• Balance transfer offer. A 2% fee on balance transfers from non-BMO credit cards.

• Low return on other purchases. Receive only 0.5 cash back on all other categories of spending.
• Currency conversion. You'll pay a foreign transaction fee of 2.5% on all overseas purchases.
• Balance transfer fee. You'll pay a balance transfer fee.

Annual fee	$0
Purchase APR	20.99% fixed
Balance transfer APR	0.99% intro for the first 9 months (then 22.99% fixed)
Balance transfer fee	2%
Rewards	Earn cash back at a standard rate of 3% on groceries, 1% on recurring bill payments and 0.5% on all other eligible purchases.

Scotia Momentum No-Fee Visa Card

Credit recommended (660-) Apply now on Scotiabank's secure site

660
Min. credit score

$0
Annual fee

6 months
0.99% intro transfer APR

Up to 1%
Cash back

• Info
• Pros & Cons
• Details

Get 1% cash back on all eligible gas station, grocery store and drug store purchases 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.

• Earn cashback. Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.
  
• Annual fee. This card comes with a $0 annual fee.
• Signup bonus. Earn a Earn 5% cash back on all purchases for the first 3 months (up to $2,000 spend). Plus, get a 0.99% introductory interest rate on balance transfers for the first 6 months with no balance transfer fee (22.99% after intro period ends). Apply by April 30, 2023. when you sign up..

• Low return on other purchases. Receive only 0.5% on all other categories of spending.

Annual fee	$0
Purchase APR	intro for the first 6 months (then from 19.99% fixed)
Balance transfer APR	0.99% intro for the first 6 months (then 22.99% fixed)
Balance transfer fee	None
Rewards	Get 1% cash back on all eligible gas station, grocery store and drug store purchases and recurring bill payments, and get 0.5% cash back on all other eligible purchases.

Neo Financial Mastercard

Credit recommended (600-) Apply now on Neo Financial's secure site

600
Min. credit score

$0
Annual fee

Up to 4%
Cash back

Get $25.00
Welcome offer

• Info
• Pros & Cons
• Details

Get $25.00 when you apply for the Neo Financial Mastercard. Plus, get up to 15% cashback on your first purchase. Plus, you'll earn a solid cash back return on your everyday spending. Earn an average cash back of 5% at thousands of local and national Neo partners including most major gas and grocery stores, restaurants, gyms, coffee shops and more. Earn a guaranteed 0.5% cash back on all spend at non-partners. 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.

• Rewards. Average 5% cash back
• Choose between 3 card types. The Standard, Plus and Ultra.

• Annual fee. You'll have to pay a monthly fee if you opt for the Ultra or Plus cards
• No insurance. You won't get any additional perks like travel insurance, roadside assistance or purchase protection.

Annual Fee	$0
Purchase APR	19.99% fixed
Cash Advance Rate	22.99% - 28.99%
Balance transfer APR	N/A
Welcome offer	Get $25.00 when you apply for the Neo Financial Mastercard. Plus, get up to 15% cashback on your first purchase.
Rewards	Earn an average cash back of 5% at thousands of local and national Neo partners including most major gas and grocery stores, restaurants, gyms, coffee shops and more. Earn a guaranteed 0.5% cash back on all spend at non-partners.

Simplii Financial Cash Back Visa Card

Credit recommended (650-) Read review

650
Min. credit score

$0
Annual fee

Up to 4%
Cash back

10% cash back
Welcome offer

• Info
• Pros & Cons
• Details

The Simplii Financial Cash Back Visa Card offers a strong welcome offer. Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 3 months. Plus, you'll also earn cashback. Earn 4% cash back on eligible restaurants, bars and coffee shops, 1.5% on elegible groceries, gas and prescriptions, and 0.5% on just about everything else.

• No annual fee. You'll pay a $0 annual fee for this card.
• Earn cashback. Earn 4% cash back on eligible restaurants, bars and coffee shops, 1.5% on elegible groceries, gas and prescriptions, and 0.5% on just about everything else.
• Signup offer. Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 3 months.

• Currency conversion. This card has a foreign transaction fee of 2.5%. This will apply on any overseas purchases or any purchases made online with an international retailer.

Annual Fee	$0
Purchase APR	9.99% intro for the first 3 months (then from 19.99% fixed)
Cash Advance Rate	22.99%
Balance transfer APR	22.99% fixed
Welcome offer	Get 10% bonus cash back at eligible restaurants and bars for the first 4 months (up to $500 spend). Plus, get a 9.99% introductory annual interest rate on purchases for the first 3 months.
Rewards	Earn 4% cash back on eligible restaurants, bars and coffee shops, 1.5% on elegible groceries, gas and prescriptions, and 0.5% on just about everything else.

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 1.25% cash back on purchases you make at Walmart and Walmart.ca — including Grocery Pickup. You’ll also get 1% on anything you buy elsewhere.

Sort by:

Name	Product	Welcome Offer	Rewards	Purchase Interest Rate	Annual Fee		Min. Credit Score	Description
RBC Cash Back Mastercard RBC Cash Back Mastercard		N/A	Up to 2% cash back	20.99%	$0	Apply now More Info	Min. recommended credit score: 650	Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.	Compare	loading Fetching your data...
BMO CashBack Mastercard BMO CashBack Mastercard		5% cash back	Up to 3% cash back	20.99%	$0	Apply now More Info	Min. recommended credit score: 660	Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.	Compare	loading Fetching your data...
Tangerine World Mastercard Tangerine World Mastercard		10% cash back	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 600	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months Valid until May 2, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.	Compare	loading Fetching your data...
OFFER Tangerine Money-Back Credit Card Tangerine Money-Back Credit Card	OFFER	10% cash back	Up to 2% cash back	19.95%	$0	Apply now More Info	Min. recommended credit score: 600	Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months Valid until May 2, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.	Compare	loading Fetching your data...
Neo Financial Mastercard Neo Financial Mastercard		Get $25.00 + up to 15% cash back	Average 5% cash back	19.99% - 26.99%	$0	Apply now More Info	Min. recommended credit score: 600	Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.	Compare	loading Fetching your data...
RBC Avion Visa Infinite RBC Avion Visa Infinite		55,000 points	Up to 1 point per $1 spent	20.99%	$120	Apply now More Info	Min. recommended credit score: 650	Get up to 55,000 Welcome Points. Get 35,000 points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months. Apply by April 30, 2023.	Compare	loading Fetching your data...
American Express Cobalt Card American Express Cobalt Card		30,000 points	Up to 5x points per $1 spent	20.99%	$155.88	Apply now More Info	Min. recommended credit score: 700	Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.	Compare	loading Fetching your data...
BMO Preferred Rate Mastercard BMO Preferred Rate Mastercard		0.99% rate on balance transfers for 9 months	N/A	12.99%	$0 annual fee for the first year ($20 thereafter)	Apply now More Info	Min. recommended credit score: 660	Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $20 annual fee waived in the first year.	Compare	loading Fetching your data...
RBC ION+ Visa RBC ION+ Visa		12,000 points	3 points per $1 spent	20.99%	$48	Apply now More Info	Min. recommended credit score: 660	Earn 12,000 Avion points when you get approved for the card. Apply by April 3, 2023.	Compare	loading Fetching your data...
RBC ION Visa RBC ION Visa		6,000 points	1.5 points per $1 spent	20.99%	$0	Apply now More Info	Min. recommended credit score: 660	Earn 6,000 Avion points when you get approved for the card. Apply by April 3, 2023.	Compare	loading Fetching your data...
American Express Green Card American Express Green Card		10,000 points	1 point per $1 spent	20.99%	$0	Apply now More Info	Min. recommended credit score: 700	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.	Compare	loading Fetching your data...
BMO Ascend World Elite Mastercard BMO Ascend World Elite Mastercard		60,000 points	Up to 5x points per $1 spent	20.99%	$0 annual fee for the first year ($150 thereafter)	Apply now More Info	Min. recommended credit score: 760	Get up to 60,000 points and get the $150 annual fee waived in the first year.	Compare	loading Fetching your data...
BMO Rewards Mastercard BMO Rewards Mastercard		10,000 points	Up to 1 points per $1 spent	20.99%	$0	Apply now	Min. recommended credit score: 725	Get a bonus of 10,000 BMO Rewards points when you spend $1,000 in the first 3 months. Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.	Compare	loading Fetching your data...
BMO eclipse Visa Infinite Privilege BMO eclipse Visa Infinite Privilege		90,000 points	5 points per $1 spent	20.99%	$499	Apply now More Info	Min. recommended credit score: 760	Get up to 90,000 welcome points in your first year.	Compare	loading Fetching your data...
SimplyCash Card from American Express SimplyCash Card from American Express		$100 in statement credits	Up to 2% cash back	20.99%	$0	Apply now More Info	Min. recommended credit score: 700	In your first 10 months, earn a $10 statement credit for each monthly billing period in which you spend $300 in purchases. This could add up to $100 in statement credits in the first 10 months.	Compare	loading Fetching your data...
Scotiabank Passport Visa Infinite Card Scotiabank Passport Visa Infinite Card		40,000 points	Up to 3 points per $1 spent	20.99%	$0 annual fee for the first year ($150 thereafter)	Apply now More Info	Min. recommended credit score: 750	Earn up to 40,000 bonus Scene+ points and get the first year annual fee waived (that’s up to $1,300 in value in the first 12 months). Apply by April 30, 2023.	Compare	loading Fetching your data...
Scotiabank SCENE Visa Card Scotiabank SCENE Visa Card		10,000 points	Up to 2 points per $1 spent	19.99%	$0	Apply now More Info	Min. recommended credit score: 660	Earn up to 10,000 bonus Scene+ points. Earn 5,000 Scene+ points when you spend $750 in the first 3 months, and earn 5,000 points when you spend at least $5,000 in your first year. Apply by April 30, 2023.	Compare	loading Fetching your data...
Scotiabank Gold American Express Card Scotiabank Gold American Express Card		45,000 points	Up to 6 points per $1 spent	20.99%	$0 annual fee for the first year ($120 thereafter)	Apply now More Info	Min. recommended credit score: 700	Earn up to 45,000 bonus Scene+ points in your first year (that's up to $850 towards travel) and get the first year annual fee waived. Apply by April 30, 2023.	Compare	loading Fetching your data...
American Express Aeroplan Reserve Card American Express Aeroplan Reserve Card		85,000 points	Up to 3x points	20.99%	$599	Apply now More Info	Min. recommended credit score: 700	Earn up to 85,000 welcome bonus Aeroplan points. New Cardmembers can earn up to $2,600 in value within the first year.	Compare	loading Fetching your data...
Scotiabank Value Visa Card Scotiabank Value Visa Card		0% on cash advances for 6 months	N/A	12.99%	$0 annual fee for the first year ($29 thereafter)	Apply now More Info	Min. recommended credit score: 660	Get a 0% introductory interest rate on cash advances for the first 6 months. Plus, pay no annual fee in the first year. Apply by April 30, 2023.	Compare	loading Fetching your data...

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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.