The best credit cards for Walmart shopping

Frequent Walmart shoppers know how much value the retail giant offers. In addition to getting great prices on everything from groceries and household goods to clothing and electronics, you can earn cash back and other benefits when you shop at Walmart using various rewards credit cards.

In this post, we explore the best rewards credit cards for Walmart spending and show you how to combine those cards with online shopping portals to further boost your earnings.

The best credit cards for Walmart shopping

The following six rewards cards are currently the best options for Walmart purchases, thanks to earning bonuses and statement credits:

• OnePay CashRewards Card
• American Express Platinum Card®
• Chase Freedom Flex® (see rates and fees)
• Capital One Venture Rewards Credit Card
• Citi Double Cash® Card (see rates and fees)
• U.S. Bank Shopper Cash Rewards® Visa Signature® Card

The information for the U.S Bank Shopper Cash Rewards Visa Signature Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

OnePay CashRewards Card

Benefits at Walmart: The OnePay CashRewards Card earns 5% cash back on Walmart purchases (online or in-store) if you're a Walmart+ member. If you aren't a Walmart+ member, you'll earn 3% back on Walmart purchases.

Annual fee: $0.

Current welcome offer: Earn $35 cash back after spending $75 on purchases within 30 days of card opening.

Standout perks: The OnePay CashRewards Card is a fantastic option for Walmart devotees, since it earns bonus rewards when you shop with the retailer. It's especially advantageous for Walmart+ members, who receive 5% back on Walmart purchases, as opposed to the 3% rate non-Walmart+ members receive.

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Outside of Walmart, the OnePay CashRewards Card earns 1.5% cash back on all other purchases.

The card earns unlimited cash back in the form of OnePay points, which can be redeemed for cash back into a OnePay Cash account or as a statement credit.

To learn more, read our full review of the OnePay CashRewards Card.

Apply here: OnePay CashRewards Card

American Express Platinum Card

Benefits at Walmart: The Amex Platinum offers up to $155 in statement credits per calendar year (up to $12.95 plus taxes and fees on one membership fee) toward the monthly cost of Walmart+, a membership program that provides free grocery delivery (on orders of $35 or more), free shipping, discounts on gas, free access to Paramount+ or Peacock and more. (Plus Ups are excluded; subject to auto-renewal; enrollment is required, and separate enrollment is required for Paramount+ or Peacock.)

The membership normally costs $12.95 monthly, plus any local sales tax, so the Amex Platinum statement credits equate to a complimentary membership.

Annual fee: $895 (see rates and fees).

Current welcome offer: Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Because TPG's September 2025 valuations deem American Express Membership Rewards points as worth 2 cents each, this welcome offer is worth up to $3,500.

Standout perks: This card is also loaded with multiple statement credits. Here are a few to know:

• Receive up to $400 in statement credits for purchases at U.S. Resy restaurants each calendar year. This credit is broken down into four up to $100 quarterly statement credits. To use the credit, all you have to do is dine at a participating U.S. Resy restaurant (or make other eligible Resy purchases) and pay with an Amex Platinum Card. No reservation is required.
• Receive up to $600 each calendar year in statement credits (up to $300 semiannually) for prepaid American Express Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel® when you pay with your Amex Platinum (a minimum two-night stay is required for The Hotel Collection).
• Receive up to $200 each calendar year in statement credits for incidental fees charged by one airline you select.
• Receive up to $200 in Uber Cash for U.S. services per calendar year, split into monthly up to $15 credits (with an up to $20 bonus in December). Your Amex Platinum Card must be added to your Uber account, and you can redeem with any Amex card.

Note that enrollment is required for select benefits.

To learn more, read our full review of the Amex Platinum.

Apply here: American Express Platinum Card

Chase Freedom Flex

Benefits at Walmart: The Chase Freedom Flex offers rotating 5% bonus categories each calendar quarter you activate (up to $1,500 in purchases). Walmart is often included in the selection of bonus categories each year.

Annual fee: $0.

Current welcome offer: Earn $200 cash back after spending $500 on purchases within the first three months of account opening.

Standout perks: This no-annual-fee card offers cellphone protection when you use it to pay your monthly bill. You'll receive $800 in coverage per claim for theft or damage (up to two claims and up to $1,000 total in a 12-month period). You may have to pay a $50 deductible per claim, which is significantly lower than other cards offering phone protection.

To learn more, read our full review of the Chase Freedom Flex.

Apply here: Chase Freedom Flex

Capital One Venture Rewards Credit Card

Benefits at Walmart: The Capital One Venture Rewards card offers an unlimited 2 miles per dollar spent on all purchases, including at Walmart — a great option if you prefer a low-annual-fee card without many bells and whistles.

Annual fee: $95.

Current welcome offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Standout perks: Aside from receiving an unlimited 2 miles per dollar spent on all purchases, you'll earn an unlimited 5 miles per dollar spent on hotels, vacation rentals and rental cars booked through Capital One Travel, plus no foreign transaction fees and up to a $120 credit for Global Entry or TSA PreCheck.

To learn more, read our full review of the Capital One Venture Rewards.

Learn more: Capital One Venture Rewards Credit Card

Citi Double Cash Card

Benefits at Walmart: Earn an unlimited 2% cash back on all purchases (1% cash back as you buy and 1% when you pay).

Annual fee: $0.

Current welcome offer: Earn $200 cash back after spending $1,500 within the first six months of account opening.

Standout perks: You won't find many additional perks with this no-annual-fee card. However, if you're looking for a simple option to boost cash back, the Citi Double Cash is a solid choice.

To learn more, read our full review of the Citi Double Cash.

Apply here: Citi Double Cash Card

U.S. Bank Shopper Cash Rewards Visa Signature Card

Rewards at Walmart: Earn 6% cash back at two retailers of your choice, on up to $1,500 of eligible spending each quarter. Walmart is an included retailer.

Annual fee: $0 for the first year, then $95.

Current welcome offer: Earn a $250 bonus after spending $2,000 on eligible purchases within the first 120 days of account opening.

Standout perks: You can choose two retailers to earn 6% cash back on up to $1,500. Aside from Walmart, notable eligible retailers include Amazon, Apple, Target and Wayfair.

Additionally, you'll earn 3% cash back up to $1,500 spent in an everyday category of your choosing and 1.5% back on all other purchases.

Related: The best cash-back credit cards to add to your wallet

How to choose a credit card for Walmart purchases

When choosing a credit card for Walmart purchases, you'll want to consider the bonus earnings categories on the card and whether the card issuer codes Walmart as a discount/warehouse/wholesale store or a grocery store/supermarket/bakery.

This can make a huge difference, as cards with bonus earnings in the grocery category generally put Walmart in the discount stores or department stores category, which does not code as grocery. Because of this, you might be better off with a flat-rate card.

How to apply for a credit card that is good for Walmart purchases

You'd follow the same process to apply for a credit card with bonus rewards at Walmart as any other credit card. Before applying, you want to ensure your credit score is within the necessary range and gather any income information needed for the application.

It is worth noting that in the case of the OnePay CashRewards Card you can see if you're prequalified for the card, according to information OnePay has shared with TPG. This won't affect your credit score before you apply.

You can apply for popular Walmart credit cards by using the apply links throughout this article.

Related: How to check your credit score for free

Maximizing credit cards at Walmart

Shopping portals such as Rakuten can help you save even more money when you shop. Here's how they work.

When you log in, you receive cash-back offers for specific merchants like Walmart. When you click on an offer that interests you, you're redirected to the merchant's website. The portal will track your spending and reward you with cash back when it recognizes that you've made a purchase.

Shopping portals are handy because they allow you to earn rewards from multiple sources. You'll earn bonus points or cash back from the portal in addition to credit card rewards.

For example, Rakuten usually offers around 2% cash back for every dollar spent in certain categories with Walmart, though this could increase or decrease without warning. You could combine this cash back with your credit card bonuses for significant savings.

You can also use a shopping portal aggregator like Cashback Monitor to find high returns.

Related: How you can easily earn Amex points with Rakuten

Frequently asked questions

What credit score is needed for credit cards that are good to use at Walmart?

You'll need a good credit score or higher for most cards that earn bonus rewards at Walmart. This means a score of at least 670. It is important to note that you can be approved with lower or higher scores depending on your overall creditworthiness.

Where can I use credit cards that are also good for Walmart purchases?

Credit cards that earn bonus rewards at Walmart can be used anywhere the cards are accepted.

Can I get cash back on a credit card that I use at Walmart?

You need a cash-back credit card to earn cash back on your Walmart credit card. Note that some Walmart cards earn reward points instead of cash back.

Can I use my Sam's Club credit card at Walmart?

If you have a Sam's Club credit card, you can use it at Walmart and anywhere else Mastercard credit cards are accepted.

The information for the Sam's Club credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Bottom line

If you frequently shop at Walmart, using one of the above cards can help you save money and maximize bonus earnings. These cards offer a great return at Walmart, but you can earn even more by stacking these returns with an online shopping portal.

Related: Walmart Cash rewards program: How to earn 'cash,' save on your bill and enjoy perks

For rates and fees of the Amex Platinum, click here.