Walmart Card Review 2025: Is It Worth It for Everyday Shoppers?

Coding Rhodes Follow Apr 25, 2025 · 6 mins read

Walmart Card Review 2025: Is It Worth It for Everyday Shoppers?

🔍 Types of Walmart Cards

There are two main Walmart Cards available in 2025:

Walmart Store Card – Can be used only at Walmart and Walmart.com
Walmart Capital One Mastercard – Can be used anywhere Mastercard is accepted

Both cards offer similar reward systems for Walmart purchases, but the Mastercard version gives you added flexibility.

Quick Comparison Table:

| Feature | Store Card | Mastercard | |————————|——————-|———————| | Use Outside Walmart | ❌ No | ✅ Yes | | Cash Back on Walmart.com | 5% | 5% | | Cash Back in-store | 2% | 2% | | Annual Fee | $0 | $0 | | Intro Offer | 5% back via Walmart Pay for first 12 months | ✅ Same |

💳 Key Features and Rewards

Walmart Card rewards chart showing cashback percentages for online and in-store purchases

The rewards program is straightforward and appealing for Walmart shoppers:

5% back on Walmart.com including grocery pickup and delivery
2% back in Walmart stores, restaurants, and travel
1% back on other purchases (Mastercard only)
Intro offer: 5% back in-store via Walmart Pay for the first 12 months

Redemption Options:

Statement credits
Walmart gift cards
Travel or merchandise

There’s no minimum redemption threshold, and your rewards never expire as long as your account is active.

💸 Fees and Interest Rates

One major concern with store credit cards is the APR. Here’s what to expect:

Annual Fee: $0
APR: Variable APR around 19.99% to 26.99% depending on credit
Late Payment Fee: Up to $40
Foreign Transaction Fee: 3% (Mastercard only)

If you plan to carry a balance, it’s best to consider a lower-interest card.

🧑‍💼 Who Should Consider the Walmart Card?

The Walmart Card is ideal for:

Frequent Walmart.com shoppers
Walmart grocery pickup/delivery users
Individuals looking to build or rebuild credit
Shoppers who always pay in full to avoid interest

Not recommended for:

People who rarely shop at Walmart
Those who carry a balance frequently

📝 How to Apply for the Walmart Card

Applying is simple and can be done online or in-store. Here’s how:

Visit Walmart Credit Card Site
Choose between the Store Card or Mastercard
Fill out the secure application with your personal info
Receive a decision within minutes

Approval Tips:

Have a credit score of 640 or higher
Ensure no recent delinquencies or high utilization
Report stable income

If approved, you may be offered the Store Card first, depending on your creditworthiness.

🧑‍🤝‍🧑 User Testimonials

“I love using the Walmart Mastercard for groceries and online deals—it adds up fast!” — Tanya R.

“I started with the Store Card to build credit. Now I’m using the Mastercard version for travel points too.” — Jerome L.

“The 5% back on Walmart.com is unbeatable, especially for large family grocery orders.” — Michelle B.

📱 Managing Your Walmart Card

Walmart Card rewards chart showing cashback percentages for online and in-store purchases

Capital One offers a great mobile app for managing your card. Features include:

Real-time transaction alerts
Credit score monitoring
Easy reward redemption
Card lock for security

The app is available on both iOS and Android, and it integrates well with the Walmart app.

📊 Comparing Walmart Card with Other Retail Cards

Feature	Walmart Card	Amazon Prime Card	Target RedCard
Online Cash Back	5%	5%	5%
In-Store Cash Back	2%	5% (Amazon stores)	5%
Annual Fee	$0	$0 (with Prime)	$0
Accepted Everywhere	Mastercard only	Yes	No (Target-only)
Bonus Categories	Yes	Limited	Limited

The Walmart Card stands out for online grocery savings and intro rewards but lags in universal usability compared to Amazon’s and Target’s offers.

🎯 Pros and Cons of the Walmart Card

✅ Pros:

No annual fee
High rewards on Walmart.com
Strong introductory bonus
Good for rebuilding credit

❌ Cons:

High APR
Limited use with Store Card
Foreign transaction fees

🧠 Expert Tips to Maximize Walmart Card Rewards

Always pay in full to avoid interest
Use Walmart Pay in-store for 5% back the first year
Combine with Walmart+ membership for free delivery
Redeem rewards regularly for groceries or household items

❓ FAQ: Walmart Card Review

Q1: Can I use the Walmart Store Card anywhere?

A: No. The Store Card can only be used at Walmart stores and online. If you want broader usage, apply for the Walmart Mastercard.

Q2: What credit score is needed for the Walmart Card?

A: Typically, a score of 640+ is recommended. Approval is based on multiple factors beyond credit score.

Q3: Is the Walmart Card good for building credit?

A: Yes, if used responsibly. On-time payments and keeping your balance low can help boost your score.

Q4: Are there annual fees?

A: No, both the Walmart Store Card and Walmart Mastercard have no annual fee.

Q5: Can I earn cash back with the Walmart Card?

A: Yes. The Walmart Mastercard offers up to 5% back on Walmart.com purchases, and lower rates in-store and elsewhere.

Q6: Can I upgrade from the Store Card to the Mastercard?

A: Yes, with consistent responsible usage, you may receive an offer to upgrade.

Q7: Does Walmart offer cardholder-only promotions?

A: Yes, occasionally Walmart gives exclusive discounts or early access deals to cardholders.

🏁 Final Verdict

The Walmart Card is a solid choice for loyal Walmart shoppers looking to earn rewards and save money. With no annual fee, attractive cash-back rates on online purchases, and decent introductory offers, it’s a smart addition for budget-savvy households.

However, if you frequently shop outside of Walmart or carry a balance often, consider a general-purpose rewards card with a lower APR and broader redemption options.

If you’re ready to take advantage of exclusive Walmart perks, the Walmart Card just might be worth it for your everyday spending in 2025.