The 10 Best Credit Cards for Shopping at Walmart [2026]

If you often shop at Walmart, whether for groceries, home improvement, pharmaceuticals, or business, you should use a card that can optimize your rewards earning and benefits. This guide shares the best credit cards for shopping at Walmart, from personal to small-business cards.

10 Best Cards for Shopping at Walmart: Overview

What To Look for in a Credit Card for Shopping at Walmart

Most Walmart purchases do not code as grocery or supermarket unless you make an in-store purchase at a Walmart Neighborhood Market. That means credit cards that earn bonus points at grocery stores or supermarkets generally do not work at Walmart. Consider credit cards that award points on nonbonus categories or everyday purchases.

Bottom Line:

The only way to consistently earn 3% or 5% cash-back on Walmart purchases year-round is with the OnePay CashRewards card. However, you can earn up to 2x points or 2% cash-back with other credit cards that may be a better fit for your needs overall.

Best Personal Cards

OnePay CashRewards Card

For people who frequently shop at Walmart and want to maximize earning cash-back on those purchases, there is the OnePay CashRewards Card.

Walmart+ members with the card earn unlimited 5% cash-back on Walmart purchases, in stores and online. Not a Walmart+ member? The earnings rate is an unlimited 3% cash-back. All other purchases earn 1.5% cash-back. The OnePay CashRewards card does not have an annual fee, and cash-back is earned as OnePay points.

Unlimited 3% or 5% cash-back on every Walmart purchase is hard to beat. However, the only redemptions for OnePay points are as a statement credit or to use them for cash-back if you bank through OnePay, and you must have at least 25 points to redeem. That makes the OnePay CashRewards card extremely limiting for rewards. If you want more flexibility, such as the ability to transfer points to airline and hotel partners to book travel, another card may be a better.

Capital One Venture Rewards Credit Card

LIMITED-TIME OFFER

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn more than $1,000 in Travel Bonuses with a limited-time $300 Capital One Travel stays credit, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening—that's more than $1,000 in travel value. 

$300 Travel Credit + 75k miles

UP's Offer Valuation*:

$1,650

Annual Fee

$95

APR

Purchases: 19.74% - 28.74% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.74% - 28.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture card is one of the most consistent travel rewards credit cards, offering a simple way to earn transferable rewards.

Along with its huge welcome offer bonus, cardholders earn an unlimited 2x Capital One miles on all purchases, not just at Walmart.

Cardholders get a Global Entry or TSA PreCheck application fee credit, lost or damaged luggage reimbursement, roadside assistance, and no foreign transaction fees. The card also offers useful perks, including purchase assurance, a low $95 annual fee, and access to the Capital One Miles program.

Why We Like Earning Capital One Miles

We like earning Capital One miles because they are transferable, so you can transfer your miles to travel partners for luxury travel bookings. You can redeem Capital One miles for reduced value via statement credits, travel purchases, gift cards, and more.

Chase Freedom Unlimited^®

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening

$200

UP's Offer Valuation*:

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• Enjoy 5% cash back on travel purchased through Chase Travel℠, 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 1.5% on all other purchases.
• No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.49% - 27.99%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card has a welcome offer and no annual fee. It’s a great go-to card for Walmart because it earns at least 1.5% cash-back on all purchases.

It offers purchase protection, extended warranty, zero-liability fraud protection, secondary rental car coverage, and much more.

You can convert your cash-back to Ultimate Rewards points if you hold any Ultimate Rewards credit card, such as the Chase Sapphire Preferred card, Chase Sapphire Reserve^®, or Ink Business Preferred^® Credit Card.

Why We Like Earning Chase Ultimate Rewards Points

If you have the Freedom Unlimited card as your only Chase card, your rewards are in the form of cash-back, which you can redeem for statement credits, travel through the Chase travel portal, Amazon, gift cards, and more.

But if you also have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred^® Card, you can convert your rewards from 1.5% cash-back to 1.5x Ultimate Rewards points. That means you can effectively earn 1.5x Ultimate Rewards points at Walmart, with the potential to get more value when you transfer points to Chase transfer partners.

Hot Tip:

If you’re a Walmart shopper who needs to build or establish credit, consider the Chase Freedom Rise^® credit card. It earns 1.5% cash-back on all purchases and offers shopping benefits such as extended warranty and purchase protection.

Blue Cash Everyday^® Card from American Express

SPECIAL OFFER

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

You may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options. Terms Apply.

As High As $200 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:

As High As $200

Annual Fee

$0

APR

19.74%-28.74% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Apply and find out your welcome offer. As High As $200 cash back after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. Cash Back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.74%-28.74%.
• Plan It^® makes it easy to split up large purchases into equal monthly payments with a fixed fee, plus you still earn rewards the way you usually do! Here’s how: Select a purchase of $100 or more in your online account or the American Express^® App. Choose from up to 3 plan duration options. Review and confirm.
• Earn 3% Cash Back on Groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%). 3% Cash Back on U.S. Online Retail purchases, on up to $6,000 per year in purchases (then 1%) 3% Cash Back on Gas at U.S. gas stations, on up to $6,000 per year in purchases (then 1%) Cash back is received as Reward Dollars that can be redeemed for a statement credit or for other select options.
• With the $84 Disney Streaming Credit, you can earn up to $7 back per month as a statement credit when you use your enrolled Blue Cash Everyday^® Card from American Express Card to purchase a subscription, including a bundle subscription, on DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites, with no minimum purchase requirement. Subscription is subject to auto-renewal.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.74%-28.74% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Cash Everyday card earns 1% cash-back when you shop in stores, but you can earn 3% cash-back (up to $6,000 in purchases each year) when you shop at Walmart.com.

It offers nice perks for a simple cash-back card.

• 3% cash-back at U.S. online retailers (up to $6,000 in purchases each year; 1% cash-back after that)
• 3% cash-back at U.S. supermarkets (up to $6,000 in purchases each year; 1% cash-back after that)
• 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year; 1% cash-back after that)
• Up to a $7 monthly statement credit after using your enrolled card for a subscription purchase, including a bundle subscription purchase, at Disneyplus.com, Hulu.com, or Stream.ESPN.com U.S. websites

Best Business Cards

Let’s walk through the best business credit cards to maximize your spending and shopping at Walmart.

The Blue Business^® Plus Credit Card from American Express

The Amex Blue Business Plus card earns 2x Amex Membership Rewards points on everyday business purchases for up to $50,000 in purchases per year (1x points after that).

It has secondary rental car coverage, purchase protection, extended warranty, and access to Amex Offers (enrollment required).

This no-annual-fee credit card also offers access to airline and hotel transfer partners for Membership Rewards. It also has 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% (rates & fees).

Ink Business Unlimited^® Credit Card

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.99% - 24.99% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

The Ink Business Unlimited card is considered the business version of the Freedom Unlimited card. It starts with a welcome offer and a 0% introductory APR and offers ongoing value with unlimited 1.5% cash-back on all purchases.

Benefits include purchase protection, extended warranty, zero-liability fraud protection, and primary rental car coverage.

Just like the Freedom Unlimited card, you have the option to convert your 1.5% cash-back to 1.5x Ultimate Rewards points if you have an Ultimate Rewards credit card, such as the Chase Sapphire Preferred card.

Capital One Venture Business Card

Capital One Venture Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One Venture Business Card

Welcome Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

100,000 miles

UP's Offer Valuation*:

Up to $1,800

Annual Fee

$95

APR

24.74%

Why We Like This Card

The Capital One Venture Business card is a great fit for business owners looking for a well-rounded travel rewards card that offers an uncomplicated earn structure, a handful of useful benefits, and a reasonable annual fee.

Pros & Cons

Pros

• Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
• Earn 2x miles on all other purchases
• $50 annual travel credit for bookings through Capital One Business Travel

Cons

• Charges a $95 annual fee
• Limited travel protections

Read Full Review

Card Highlights

• Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck^® every four years. Terms and conditions apply
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• $95 annual fee
• Free employee cards which also earn unlimited 2X miles from their purchases
• Top rated mobile app

Financial Snapshot

• APR: 24.74%
• Foreign Transaction Fees: 

The Capital One Venture Business card has a generous welcome offer and unlimited 2x Capital One miles on every purchase.

It also earns 5x Capital One miles on hotel, vacation rental, and rental car bookings through Capital One Business Travel. Cardholders get up to a $120 Global Entry or TSA PreCheck application fee credit every 4 years, up to $50 annual travel credit for bookings made through Capital One Business Travel, free employee cards, and no foreign transaction fees.

This travel rewards business credit card also offers zero liability on unauthorized purchases, extended warranty coverage, and more.

Capital One VentureOne Business Card

Capital One VentureOne Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One VentureOne Business Card

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Offer Valuation*:

Up to $900

Annual Fee

$0

Pros & Cons

Pros

• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee

Cons

• Doesn’t offer business bonus categories
• Not as rewarding as other business cards that earn 2x points or 2% back

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee
• Hertz Gold Plus Rewards Five Star status
• No foreign transaction fees
• Rental car insurance

Financial Snapshot

• Foreign Transaction Fees: $0

The Capital One VentureOne Business card has no annual fee and earns 1.5 Capital One miles per $1 spent.

There’s no foreign transaction fee, extended warranty coverage, roadside assistance, and access to Capital One Miles transfer partners.

The American Express Blue Business Cash^® Card

Terms Apply / Rates & Fees

The American Express Blue Business Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Apply Now(at Amex's secure site)

The American Express Blue Business Cash^® Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each calendar year.

Welcome Offer

As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

As High As $500. Find Out Your Offer.

UP's Offer Valuation*:

As High As $500

Annual Fee

No annual fee

APR

16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash^® Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros & Cons

Pros

• 2% cash-back on the first $50,000 of purchases each calendar year, then 1% back thereafter
• No annual fee
• Travel and purchase protection

Cons

• Not ideal for those who spend a lot on a specific category like groceries or gas

Read Full Review

Card Highlights

• As High As a $500 Statement Credit after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% – 28.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend above your credit limit* with Expanded Buying Power.
• * The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• Apply to know if you’re approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted
• No Annual Fee. Terms Apply. Learn More.

Financial Snapshot

• APR: 16.99% - 28.74% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Another great American Express business card for Walmart purchases and simple cash-back rewards is the Amex Blue Business Cash card. It earns 2% cash-back on all eligible purchases (up to $50,000 per calendar year), then 1% after that. This credit card offers no-frills cash-back that’s automatically credited to your statement.

Other benefits include extended warranty coverage, secondary rental car coverage, purchase protection, and access to Amex Offers (enrollment required).

American Express^® Business Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in the top 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in the top 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Your Offer Could Be As High As 200,000 Points. Apply And Find Out Your Offer. You may be eligible to earn as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

Your Offer Could Be As High As 200,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $4,400

Annual Fee

$375

APR

17.99% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards^® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
• Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
• Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
• The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
• Terms Apply

Financial Snapshot

• APR: 17.99% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Another business card to consider is the Amex Business Gold card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  •  U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

Many of these categories aren’t particularly useful for Walmart purchases, but the U.S. gas station category can be helpful if your work involves a lot of driving.

Cardmembers receive up to $155 back annually for a monthly Walmart+ membership upon enrollment. Being a member entitles you to several perks, including free shipping on any purchase amount and a 10 cent discount per gallon on fuel.

Hot Tip:

The Platinum Card^® from American Express is not a top earner at Walmart (earning 1 Membership Rewards point per $1 spent at Walmart), but cardholders get a complimentary Walmart+ membership. Starting January 24, 2027, the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® will offer a complimentary annual Walmart+ membership.

Final Thoughts

Walmart purchases don’t typically qualify for grocery store bonus rewards, but you can still earn cash-back, points, or miles when you shop there. A flat-rate rewards card may be your best bet if you want to earn elevated rewards at Walmart and get access to flexible rewards programs and benefits.

Also consider cards that offer Walmart+ membership benefits. Even though these cards don’t earn elevated rewards at Walmart, the membership benefits can help you save if you’re a frequent Walmart shopper.