Best Credit Cards for Walmart of 2024
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Capital One's Website
Up to 10X Reward Rate
Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights and 10 miles per dollarRead More
Welcome Bonus
Earn 75,000 bonus miles
Annual Fee
$395
Regular APR
19.99% - 29.99% (Variable)
Credit Score
Excellent(750 - 850)
Our Expert Take
Capital One’s most premium travel card is packed with extras that put it firmly in competition with other upscale credit cards, but at an annual fee that leaves the others far behind.
Expert Commentary
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Julian Kheel
Julian Kheel
Credit Cards and Travel Rewards Expert
With over 15 years of professional experience studying credit cards and travel loyalty programs, Julian Kheel has served as CNN’s senior editor covering travel and credit cards, as well as the editorial director for The Points Guy, and worked as a consultant for the biggest airlines. He is currently the CEO of Tripsight Inc., an award tools company that recently released Points Path, the first browser extension that automatically adds the prices of flights in miles into Google Flights search results to help travelers decide when to best use their travel rewards.
Julian first learned the ins and outs of credit card rewards and travel loyalty programs while flying more than 200,000 miles a year as a TV producer and director for World Wrestling Entertainment. (And yes, of course it’s all real.) He has previously written about travel and credit cards for U.S. News & World Report, Upgraded Points and Going, and created weekly columns for the travel websites Frequent Miler and Travel Codex.
In addition to appearing as a TV analyst to discuss travel and loyalty programs on national segments for CNN, Bloomberg News, CNBC’s “Squawk Box,” Yahoo Finance and Cheddar TV, Julian has also been featured on ABC and CBS Radio, and has been quoted in The Washington Post, The Wall Street Journal, and the Chicago Tribune on travel-related topics as well.
Credit Cards and Travel Rewards Expert
If you’re looking for lofty perks without a lofty annual fee, the Venture X fits the bill. While other cards with elite benefits can run close to $700 a year, the Venture X is nearly half that. And you’ll still get Capital One and Priority Pass airport lounge access for you and your eligible guests, an annual travel credit and solid earnings on everyday purchases.
Pros & Cons
- Annual fee lower than others in its category
- Annual travel credit through Capital One Travel and anniversary miles alone could justify the annual fee
- Miles are easy to earn and easy to use
- Lack of domestic airline and upscale hotel travel partners
- Capital One lounge network in its infancy
- Lack of hotel status benefits
Card Details
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 5% Reward Rate
Earn 5% cash back in categories that rotate quarterly on up to $1,500 when enrolled, 5% on travel purchased throughRead More
Welcome Bonus
$200 bonus
Annual Fee
$0
Regular APR
20.49%-29.24% Variable
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
This card has the brawn to handle just about all of your credit card spending needs without an over-inflated price tag. The card has an annual fee of $0, yet comes with a pumped-up earnings structure that covers a wide swath of expenses including travel, drugstores and dining plus rotating quarterly bonus categories in areas many households are likely to find appealing.
Pros & Cons
- No annual fee
- Rotating quarterly categories earn 5% rewards when activated, up to a combined quarterly $1,500 maximum
- Travel rewards rate rivals some of the best premium travel cards
- Generous rewards rate in several other categories
- Travel bookings must be made through Chase Travel℠ to earn 5% cash back
Card Details
- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
- 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
- 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
- No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
- Keep tabs on your credit health – Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Walmart.com Purchases
Capital One Walmart Rewards® Mastercard® *
4.3
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5X Reward Rate
Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery; 2% cashRead More
Welcome Bonus
5% cash back for the first 12 months
Annual Fee
$0
Regular APR
19.48% or 29.99% variable
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
The card offers excellent rewards for those who frequently shop at Walmart, particularly online. With no annual fee, it’s a sweet deal to earn up to 5% cash back.
Pros & Cons
- Up to 5% cash backat Walmart.com
- 2% cash back at restaurants and travel
- No annual fee or foreign transaction fee
- Rewards for in-store Walmart purchases are low
- High APR, depending on creditworthiness
- No intro APR offer
Card Details
- Earn 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when you use your Capital One Walmart Rewards Card with Walmart Pay
- No annual fee
- Earn 5% cash back on purchases made at Walmart.com and the Walmart app, including grocery pickup and delivery
- Earn 2% cash back on restaurants and travel purchases, and at Walmart stores
- Earn 1% cash back everywhere else Mastercard is accepted
- $0 fraud liability for unauthorized charges
Earn 5% cash back on purchases made in Walmart stores for the first 12 months of account opening when you use your Capital One Walmart Rewards Card with Walmart Pay.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Flat Cash Rewards
Wells Fargo Active Cash® Card *
4.1
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Unlimited 2% Rewards Rate
Earn unlimited 2% cash rewards on purchases
Welcome Bonus
$200 Cash Rewards
Annual Fee
$0
Regular APR
20.24%, 25.24% or 29.99% variable APR
Credit Score
Excellent, Good(700 - 749)
Our Expert Take
The Wells Fargo Active Cash offers an unlimited 2% cash rewards rate on purchases and charges no annual fee. This puts it in competition with the best flat-rate cash back cards on the market.
Pros & Cons
- Unlimited 2% cash rewards on purchases
- $0 annual fee
- Cellphone protection benefit
- There’s a balance transfer fee
- There’s a foreign transaction fee
- No travel transfer partners
Card Details
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months of account opening
- Earn unlimited 2% cash rewards on all purchases
- Lengthy introductory APR offer on purchases and balance transfers
- No annual fee
- Complimentary 24/7 Visa Signature® Concierge
- Cell phone protection against damage or theft, subject to a $25 deductible
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for In-Store Purchases
U.S. Bank Shopper Cash Rewards® Visa Signature® Card *
3.8
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 6% Reward Rate
Earn 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit); Earn 3% cashRead More
Welcome Bonus
$250 bonus
Annual Fee
$0 intro annual fee for the first year, then $95
Regular APR
19.74% - 29.74% (Variable)
Credit Score
Good, Excellent(700 - 749)
Our Expert Take
With this card, you can choose two retailers each quarter to earn 6% cash back up to the set limit—an amazing return on spending. When you know you’re due for a shopping trip (or two) with a merchant on the long list of choices, update your selections and earn extra rewards.
Pros & Cons
- The quarterly bonus rewards structure outearns similarly-structured peers
- Bonus categories include less-commonly bonused options like warehouse stores and big-box retailers
- Cool factor: Unique LED technology lights up logo when you use tap-to-pay
- You must enroll each quarter into two retailers and one purchase category of your choice or all purchases only earn 1.5% cash back
- U.S. Bank doesn’t have any transfer partners so redemption options are limited
- The card charges 3% of each foreign transaction
Card Details
- Earn a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
- Earn up to 6% cash back each quarter on combined eligible purchases from two retailers of choice ($1,500 limit); 3% cash back each quarter in one everyday category of choice ($1,500 limit) and 1.5% cash back on everything else.
- Plus, earn 5.5% cash back on prepaid car and hotel reservations booked through the Rewards Center
- $0 intro annual fee for the first year, then $95
Get a $250 bonus after spending $2,000 in eligible purchases within the first 120 days of account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best For In-Store Purchases With No Annual Fee
PayPal Cashback Mastercard® *
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 3X Reward Rate
Earn 3% cash back on purchases when checking out with PayPal and 2% on all other purchases
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
20.24% - 32.24% variable
Credit Score
Good/Excellent
Our Expert Take
The PayPal Cashback Mastercard® lets you earn 3% cash back on purchases when you check out with PayPal, with your rewards redeemable directly into your PayPal balance. It’s a pure no-frills offering with no welcome bonus or intro APR offer, and nearly no other card benefits. Considering there is no annual fee, this is a standout cash back credit card, provided you don’t mind transacting via PayPal to unlock the 3% cash back.
Pros & Cons
- Cash rewards never expire
- 3% back on PayPal purchases and 2% on everything else with no earning restrictions or rotating categories to manage
- Very high APR
- No intro APR offer
- Foreign transaction fee: 3% of each transaction in U.S. dollars
Card Details
- No annual fee
- Earn unlimited 3% cash back on purchases when using PayPal at checkout
- Earn 2% cash back on all other purchases
- Redeem rewards to your PayPal balance with no redemption threshold
- Rewards don’t expire and there are no limits to how much you can earn
- You must have an account with PayPal to apply for the PayPal Cashback Mastercard
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for a Walmart+ Membership
The Platinum Card® from American Express
On American Express's Website
3.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On American Express's Website
5X Reward Rate
Earn 5 Membership Rewards Points per dollar on prepaid hotels booked with American Express Travel and on flights booked directlyRead More
Welcome Bonus
Earn 80,000 points
Annual Fee
$695
Regular APR
See Pay Over Time APR
Credit Score
Good,Excellent(700 - 749)
Our Expert Take
The Platinum Card is destined for frequent travelers who intend to fully leverage the rich set of luxury travel benefits and Platinum Concierge service. In the right hands, the classic status card’s staggering annual fee is well justified.
Expert Commentary
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Ben Nickel-D'Andrea
Ben Nickel-D'Andrea
Credit Cards Writer
Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages, and travels the world for the love of it. You'll find him flying up front in first or business class all over the world and enjoying food from fine dining to street fare.Ben unpacks the complex network of loyalty programs across the credit card and travel industries with his simple and easy-to-understand, yet relatable, explanations. A nature enthusiast at heart, he lives in Seattle with his husband Jon and their beagle.
Credit Cards Writer
Being an Amex Platinum cardholder grants access to the International Airline Program, which can save you money on first and business-class seats on more than 20 airlines, as well as premium economy tickets for you and up to seven traveling companions. Start your search on the Amex Travel website to find international flights departing or arriving in the U.S. for any of those premium cabins.
Pros & Cons
- High reward potential on flights and hotels booked through American Express Travel
- Multiple credits can help justify the fee
- Comprehensive airport lounge access
- Luxury travel benefits and elite status with Hilton and Marriott with enrollment
- Very high annual fee
- Maximizing the statement credits takes some work and could be impractical for many
- Reward rate outside of travel is sub-par for a premium card
Card Details
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
- $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
- Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best for Fair Credit
Walmart Rewards Card *
2.7
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Up to 5% Cash Back
5% cash back in Walmart stores for the first 12 months. After that, earn 5% cash back at Walmart.com, includingRead More
Welcome Bonus
N/A
Annual Fee
$0
Regular APR
29.99% variable
Credit Score
Fair(650 - 699)
Our Expert Take
If you do the bulk of your grocery shopping at Walmart stores, the [pid=”328195″] is an easy way to give yourself a built-in discount every time. It’s limited to spending at Walmart, so it’ll appeal to a small segment—but if that’s you, it can help you save with no annual fee.
Pros & Cons
- No annual fee
- 5% back on Walmart online and in-app spending
- 2% back on Walmart gas purchases
- No ongoing rewards for shopping in-store
- APR is on the high side
- Limited to spending at Walmart
Card Details
- Earn 5% cash back in Walmart stores for the first 12 months when using the card with Walmart Pay
- After that, earn 5% cash back at Walmart.com, including pickup and delivery
- Earn 2% cash back in Walmart stores and select gas stations and 1% cash back at Sam’s Club and Sam’s Club gas stations
- Rewards can be redeemed for cash back, purchases, gift cards or travel
- No annual fee
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
