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
Credit card type
Accepted at Walmart
American Express
✅
Visa
✅
Mastercard
✅
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.
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 $45 in bonus Walmart Reward Dollars.
Low return on other purchases. Receive only 1% on all other categories of spending.
Annual Fee
$0
Purchase APR
21.89%
Cash Advance Rate
22.97%
Balance transfer APR
N/A
Welcome offer
Get up to $45 in bonus Walmart Reward Dollars.
Rewards
Earn 5% cashback on select Walmart brands, 2% at any gas, EV charging station, transit, taxi and ride-sharing, 1.25% cashback online and in-store at any Walmart store in Canada, and earn 1% cash back at everywhere else.
Please note: All information about Walmart Rewards Mastercard has been collected independently by Finder and this product is not available through this site.
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 5% cashback on select Walmart brands, 3% cashback on Walmart.ca, 2% at any gas, EV charging station, transit, taxi and ride-sharing, 1.25% in-store at any Walmart store in Canada, and earn 1% cash back at 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 a $20 Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass provided. Earn $15 in Reward Dollars after one purchase at Walmart and one anywhere else. Get $10 in Reward Dollars by going paperless.
Low return on other purchases. Receive only 1% on all other categories of spending.
Annual Fee
$0
Purchase APR
21.89%
Cash Advance Rate
22.97%
Balance transfer APR
N/A
Welcome offer
Get a $20 Reward Dollars when you’re approved and spend $50+ using the temporary shopping pass provided. Earn $15 in Reward Dollars after one purchase at Walmart and one anywhere else. Get $10 in Reward Dollars by going paperless.
Rewards
Earn 5% cashback on select Walmart brands, 3% cashback on Walmart.ca, 2% at any gas, EV charging station, transit, taxi and ride-sharing, 1.25% in-store at any Walmart store in Canada, and earn 1% cash back at everywhere else.
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 1% of the total transferred amount or $5, whichever is greater.
Annual fee
$0
Purchase APR
19.95%
Balance transfer APR
1.95% intro for the first 6 months (then 19.95% )
Balance transfer fee
$5 or 1% 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.
Earn cash back at a standard rate of 3% on the first $500 spent on groceries, earn 1% on the first $500 spent on recurring bill payments and earn 0.5% on all other eligible purchases (unlimited). 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 the first $500 spent on groceries, earn 1% on the first $500 spent on recurring bill payments and earn 0.5% on all other eligible purchases (unlimited).
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 (up to a maximum spend of $2,500).
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%
Balance transfer APR
0.99% intro for the first 9 months (then 22.99% )
Balance transfer fee
2%
Rewards
Earn cash back at a standard rate of 3% on the first $500 spent on groceries, earn 1% on the first $500 spent on recurring bill payments and earn 0.5% on all other eligible purchases (unlimited).
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% introductory interest rate on balance transfers for the first 6 months with no balance transfer fee. Apply by October 31, 2025. 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% )
Balance transfer APR
0% intro for the first 6 months (then 22.99% )
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.
Get $25.00 when you apply for the Neo Credit Mastercard. Plus, get up to 15% cashback on your first purchases at Neo partners. Plus, you'll earn a solid cash back return on your everyday spending. With the Neo Credit Mastercard, earn an average cash back of 5% (or 6% with the Premium plan) at local and national Neo partners including food delivery, streaming and rideshare services as well as restaurants, bars, cafes and retail stores. Earn a guaranteed 1% cash back (or 3% with the Premium plan) on gas and groceries. Premium members earn 0.5% cash back on all other non-partner spending. Pay $0 or $9.99 per month for the Base or Premium plan. 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. Up to 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%
Cash Advance Rate
22.99%-31.99%
Balance transfer APR
N/A
Welcome offer
Get $25.00 when you apply for the Neo Credit Mastercard. Plus, get up to 15% cashback on your first purchases at Neo partners.
Rewards
With the Neo Credit Mastercard, earn an average cash back of 5% (or 6% with the Premium plan) at local and national Neo partners including food delivery, streaming and rideshare services as well as restaurants, bars, cafes and retail stores. Earn a guaranteed 1% cash back (or 3% with the Premium plan) on gas and groceries. Premium members earn 0.5% cash back on all other non-partner spending. Pay $0 or $9.99 per month for the Base or Premium plan.
The Simplii Financial Cash Back Visa Card offers a strong welcome offer. Get a $100 Skip Digital Gift Card. Get a Cash Back Visa Card by Oct. 31 and spend $100 by Nov. 30 on your new card to qualify. Plus, enjoy 10% cash back on eligible restaurant, bar and food delivery purchases for your first 4 months (up to $500 spend). Terms apply. Valid until October 31, 2024 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.
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 (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.
Signup offer. Get a $100 Skip Digital Gift Card. Get a Cash Back Visa Card by Oct. 31 and spend $100 by Nov. 30 on your new card to qualify. Plus, enjoy 10% cash back on eligible restaurant, bar and food delivery purchases for your first 4 months (up to $500 spend). Terms apply. Valid until October 31, 2024
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
20.99%
Cash Advance Rate
22.99%
Balance transfer APR
22.99%
Welcome offer
Get a $100 Skip Digital Gift Card. Get a Cash Back Visa Card by Oct. 31 and spend $100 by Nov. 30 on your new card to qualify. Plus, enjoy 10% cash back on eligible restaurant, bar and food delivery purchases for your first 4 months (up to $500 spend). Terms apply. Valid until October 31, 2024
Rewards
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.
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.
Response
Male (%)
Female (%)
65+
6.93%
7.60%
55-64
8.13%
7.47%
45-54
10.00%
10.13%
35-44
8.40%
10.00%
25-34
10.27%
9.33%
18-24
7.47%
4.27%
Source: Finder sample of 750 visitors using demographics data from Google Analytics
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
Where else is my credit card accepted?
Check out our in-depth guides on credit card acceptance:
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.
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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.
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
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
Going abroad and wondering whether you can use your credit card while travelling? Here’s the lowdown on credit cards vs. cash, fees, and which cards to get.
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