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Most Americans shop at Walmart, which accounts for nearly 10% of all consumer retail spending in the U.S.1 And with 10,500+ stores around the world, millions of employees, and exceptional pricing, it’s easy to see why Walmart is a brand that almost every American knows.
If you do a lot of your shopping at Walmart, whether it’s groceries, home improvement, or pharmaceutical needs, you’ll want to make sure you’re optimizing your purchases.
In this guide, we’ll show you the best credit cards for shopping at Walmart. We’ll start with the best personal credit cards, then we’ll pivot to the best business credit cards.
Before we do that, let’s talk about what exactly you need to look for in a credit card for Walmart. Pay close attention because chances are you’ll be surprised!
What To Look For in a Credit Card for Shopping at Walmart
Let’s talk about what you need to look for in a credit card for shopping at Walmart. Let’s first make a shocking assertion: most Walmart purchases do not count as grocery or supermarkets.
This might be a big revelation to you, but Walmart is considered a warehouse store, similar to Costco and BJ’s.
What that means for our purposes is that any credit cards that earn bonus points at grocery stores or supermarkets will generally not work for Walmart.
Bottom Line: Unfortunately, there aren’t any ways to consistently earn 4x or 5x points on Walmart purchases year-round. But if you’re strategic, you can earn 1.5x to 2x points and occasionally even 5x points.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
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 cardapplication.
Good to Excellent (670-850)
The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.
The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
No annual fee
Excellent cell phone insurance
Ability to pool points
Mastercard World Elite benefits
Cons
3% foreign transaction fees in U.S. dollars
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.
5% cash-back on travel purchases through Chase Ultimate Rewards
5% cash-back on Lyft purchases through March 2023
3% cash-back on dining and drugstore purchases
1% cash-back on all other purchases
The most relevant is the quarterly categories. Basically, Chase selects a few categories of merchants every quarter that are eligible to earn 5% cash-back, and Walmart has been included in the past!
That means that you could potentially earn 5% cash-back on Walmart purchases if it aligns with Walmart being a quarterly category.
In addition to earning up to 5% cash-back, you’ll get an introductory 0% APR period, 3 months of complimentary DoorDash DashPass membership, secondary rental car coverage, trip cancellation and interruption insurance, purchase protection, extended warranty protection, and even cell phone protection ($800 per claim and $1,000 per year with up to 2 claims in a 12-month period and a $50 deductible per claim).
You’ll get all of these benefits for no annual fee!
Why We Like Earning Chase Ultimate Rewards Points
If you have the Freedom Flex card as your only Chase card, your rewards will be in the form of cash-back, which you can redeem for statement credits, travel through the Chase travel portal, Amazon, gift cards, and more.
However, if you also have an Ultimate Rewards credit card like the Chase Sapphire Preferred® Card, you can convert your cash-back to Ultimate Rewards points at a ratio of 1% to 1x points, which means you can earn up to 5x Ultimate Rewards points with this no-annual-fee card!
That’s spectacular because according to our valuations, earning 5x Ultimate Rewards points is approximately equivalent to a return on spend of 10%.
The value of Ultimate Rewards points is among the highest out there because you can transfer your Ultimate Rewards points to the Chase transfer partners to book amazing travel like Emirates first class.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
None
$0
19.24% - 29.24% Variable
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 cardapplication.
Fair to Excellent (580-850)
The Citi® Double Cash Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Pros
Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
Flexible redemption options
No annual fee
Cons
No bonus categories
3% foreign transaction fees
Lack of premium travel benefits
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Financial Snapshot
APR: 19.24% - 29.24% Variable
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
The Double Cash card is our runner-up credit card because of its exceptional rewards across the board.
What we mean by that is that this no annual fee credit card earns 2% cash-back (1% at purchase and 1% when you pay, earned as ThankYou Points).
Your rewards are completely uncapped, so you aren’t limited to a maximum amount every quarter or year.
This credit card comes with a 0% introductory APR promotion, fraud protection, zero liability for unauthorized purchases, a 1-time late fee pass, flexible pay dates, and access to Citi Private Pass for event tickets.
Also, this credit card is a World Elite Mastercard with all the full benefits conferred by Mastercard.
Why We Like Earning Citi ThankYou Rewards Points
The Double Cash card earns points that can be redeemed for cash-back, travel through the Citi Travel Portal, or transfers to JetBlue, Choice, or Wyndham. You can also use these points for statement credits, checks, gift cards, or direct deposit at a 1 cent per point value.
Converting your points this way can increase their value by 60%, up to around 1.6 cents each. That means that your Double Cash card would net you approximately 3.2% return on spend on your Walmart purchases, in addition to all other purchases.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
21.24% - 29.24% (Variable)
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 cardapplication.
Good to Excellent Credit (670-850)
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great sign-up bonus, high rewards rates, and flexible redemption options.
Pros
5x miles per $1 on hotels and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
Global Entry or TSA PreCheck credit
No foreign transaction fees
Access to Capital One transfer partners
Cons
$95 annual fee
Limited elite benefits
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
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 $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
Transfer your miles to your choice of 15+ travel loyalty programs
The Capital One Venture card is one of the most consistent travel rewards credit cards out there. If you’re looking for a simple way to earn transferable rewards, you’ll like this credit card.
After earning a huge welcome bonus, cardholders earn an unlimited 2x Capital One miles on all purchases, not just at Walmart.
It doesn’t end there because you’ll get a Global Entry or TSA PreCheck application fee credit, lost luggage coverage, roadside dispatch, and no foreign transaction fees.
You’ll also find useful perks like purchase security, extended warranty coverage, 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 this program is one of the major transferable rewards programs out there.
The Capital One Venture card earns 2x miles per dollar spent, which is roughly comparable to earning 1.5x points of a different currency such as Citi ThankYou Points. And with this card, you can transfer your miles to travel partners for luxury travel bookings.
Of course, you can redeem Capital One miles for reduced value via statement credits, travel purchases, gift cards, and more.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.
Additional 1.5% cash-back
$0
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 cardapplication.
Good to Excellent (670-850)
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.
Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% 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!
Enjoy 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 Unlimited® 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.
Much like the Freedom Flex card, you will not pay an annual fee. You’ll also find a decent welcome bonus when you sign up for the card. As you can see, the Freedom Unlimited card is superior for all other purchases because it earns 1.5% cash-back compared to 1% cash-back.
That means that the Freedom Unlimited card wins for year-round Walmart purchases, while the Freedom Flex card wins for the times when Walmart appears in the quarterly bonus categories.
Also, the Freedom Unlimited card has a 0% introductory APR promotion on purchases and balance transfers, plus purchase protection, extended warranty, zero liability, fraud protection, secondary rental car coverage, and much more.
And much like the Freedom Flex card, 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.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!
The card gives you the flexibility to carry a balance or pay in full every month. Plus, it provides loads of options for racking up rewards on everyday purchases and a 50% bonus!
Earn 15,000 Membership Rewards® points after you make $1,000 in purchases in your first 3 months.
15,000 points
$95
0% introductory APR for the first 12 months on purchases,Variable APR of 12.99% to 22.99% applies thereafter
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 cardapplication.
Good to Excellent (670-850)
All information about Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.
Credit cards can provide a convenient way to pay for the items you use every day. If you have The Amex EveryDay® Preferred Credit Card, you can shop away and get rewarded in the process.
You’ll find a great option in this card if you use it often and you’re also looking for solid travel rewards. This is especially the case at U.S. supermarkets, since you can earn 3x points per dollar you spend.
Earn 15,000 Membership Rewards® points after you make $1,000 in purchases in your first 3 months.
Earn 3x points at U.S. supermarkets, on up to $6,000 per year in purchases (then 1x).
Earn 2x at U.S. gas stations, then 1x on all other purchases
Earn 50% extra points when you make 30 or more purchases with in a billing period.
0% introductory APR for the first 12 months on purchases, then a variable APR of 12.99% to 22.99%.
Annual Fee: $95
Terms apply. For rates and fees of Amex Everyday Preferred Card, click here.
Financial Snapshot
APR: 0% introductory APR for the first 12 months on purchases,Variable APR of 12.99% to 22.99% applies thereafter
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Our very last personal credit card choice for shopping at Walmart is the Amex EveryDay Preferred card. This card is an excellent option for shopping at Walmart, assuming you can use it frequently.
So what does that mean?
Well, the Amex EveryDay Preferred card is unique in the sense that if 30 transactions are made on the card within the billing month, you’ll earn a 50% bonus on your points for the month.
So while you will ordinarily earn 1x Amex Membership Rewards points when shopping at Walmart, it could end up increasing to 1.5x points if you make more than 30 transactions in a given billing month.
The Amex EveryDay Preferred card comes with a modest welcome bonus, plus the ability to earn up to 3x points:
3x points at U.S. supermarkets for the first $6,000 per year, then earn 1x points
2x points at U.S. gas stations
1x points on all other purchases
With the 50% bonus, you can increase that to:
4.5x points at U.S. supermarkets for the first $6,000 per year, then earn 1x points
3x points at U.S. gas stations
1.5x points on all other purchases
The Amex EveryDay Preferred card also comes with important benefits like purchase protection, return protection, extended warranty coverage, roadside assistance, secondary car rental insurance, travel accident insurance, baggage insurance, and more.
Why We Like Earning Amex Membership Rewards Points
The Amex EveryDay Preferred card is the best personal credit card for earning Membership Rewards points for shopping at Walmart.
Amex Membership Rewards are the most valuable transferable points available, worth around 2.2 cents each. That means that if you can earn 1.5x points at Walmart, your return on spend would essentially be 3.3%, though it’s possible to get a redemption value much higher than that.
The way to get outsized redemption value is to use the Amex travel partners for luxury flights and hotels.
You can also redeem your Amex points for cash-back, gift cards, travel bookings through Amex Travel, merchandise, and charity.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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!
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!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
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 cardapplication.
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
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.
Monthly credit towards The Disney Bundle
Monthly credit towards Home Chef
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.
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back 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, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
Terms Apply.
Financial Snapshot
APR: 0% intro APR on purchases for 15 months; then 19.24%-29.99% Variable
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
The Amex Blue Cash Everyday card is an interesting choice for shopping at Walmart. That’s because, while it only earns 1% cash-back when you shop in-store, you’ll earn 3% cash-back (up to $6,000 in purchases each year) when you shop at Walmart.com!
Since many of us do a lot of shopping online anyways, using this card is an easy way to rack up cash-back when shopping at Walmart.com.
The Amex Blue Cash Everyday card is light on travel benefits, but it comes with some nice perks that will appeal to those looking 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 $7 back each month when you spend $9.99 or more on eligible subscriptions to The Disney Bundle which includes Disney+, Hulu, and ESPN+ (enrollment required)
If you regularly shop at Walmart for your business, this next section is dedicated solely to you! Since Walmart is basically a huge supplier of many different goods, it makes sense that your business could require frequent trips there.
So, let’s walk you through the best business credit cards to maximize your spending and shopping at Walmart.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
N/A
N/A
$0
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
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 cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Charges foreign transaction fees
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The Amex Blue Business Plus card is our obvious winner because you can earn 2x Amex Membership Rewards points on everyday business purchases, up to $50,000 in purchases per year (1x points after that).
The earning structure here is incredible, as long as you don’t exceed $50,000 every calendar year.
Plus, the Amex Blue Business Plus card comes with a 0% introductory APR promotion (as shown in the table above), secondary rental car coverage, purchase protection, extended warranty, and access to Amex Offers (rates and fees).
This no-annual-fee credit card is also one of the only ones out there that enable you to access a transferable rewards program. And with Amex offering the most valuable points out there, it’s easy to see why this no-annual-fee credit card is hugely popular.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
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.
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$900
$900
$0
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 cardapplication.
Good to Excellent (670-850)
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 18.49% - 24.49% thereafter
Pros
1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Employee cards at no additional cost
Earn flexible rewards
Cons
3% foreign transaction fee
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
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.
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
The Ink Business Unlimited card is a seriously impressive card option. It draws comparisons to being the “business version” of the Freedom Unlimited card, but it’s actually even more impressive than that.
First, you’ll earn a massive welcome bonus and a 0% introductory APR benefit. Then, you’ll earn a flat 1.5% cash-back on all your purchases without caps, just like the Freedom Unlimited card.
You’ll even get some of the same benefits as the Freedom Unlimited card, including purchase protection, extended warranty, zero liability fraud protection, and more.
But one of the best characteristics of this card is the primary rental car coverage. For comparison, the Freedom Unlimited card’s rental car coverage is secondary.
And 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.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
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 cardapplication.
Good to Excellent (670-850)
The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.
Pros
Unlimited 2x miles per $1 spent on all purchases
5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
2 complimentary visits to a Capital One Lounge per year
Up to a $100 Global Entry or TSA PreCheck credit
Access to Capital One transfer partners
No foreign transaction fees
Free employee cards
Extended warranty coverage
Cons
Annual fee: $0 intro for the first year, $95 after that
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 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
Unlimited 5X miles on hotels and rental cars booked through Capital One 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
Fly through security with one statement credit for either the $85 TSA PreCheck® application fee or the $100 Global Entry application fee
$0 intro annual fee for the first year; $95 after that
Free employee cards which also earn unlimited 2X miles from their purchases
The Capital One Spark Miles card draws a lot of comparisons to the Capital One Venture card, and it’s often said to be its business equivalent.
Indeed, you will earn a generous welcome bonus and unlimited 2x Capital One miles on every purchase.
You’ll also earn 5x Capital One miles on hotel and rental car bookings through Capital One Travel. You will also get a $100 Global Entry/TSA PreCheck application fee credit, free employee cards, and no foreign transaction fees.
This travel rewards business credit card also boasts zero fraud liability, purchase protection, extended warranty, roadside assistance, and more.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
(Information collected independently. Not reviewed by Capital One.)
(Information collected independently. Not reviewed by Capital One.)
$0
0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
The Capital One Spark Miles Select for Business is an excellent option for business owners looking for straightforward earning with no blackout dates, no seat restrictions, and no minimum when redeeming your miles.
Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
Get unlimited 1.5 miles on every purchase with your business credit card with no blackouts or seat restrictions, and no minimum to redeem.
Earn 5X miles on hotel and rental car bookings through Capital One Travel.
Use your miles on flights, hotels, vacation packages and more—you can even transfer miles to any of our 15+ travel partners.
We’ve got you covered with zero fraud liability if your card is lost or stolen. Plus, get automatic fraud alerts via text, email or phone call.
0% intro APR for 9 months; 18.24% – 28.24% variable APR after that.
Financial Snapshot
APR: 0% Intro APR for the first 9 months after account opening,Ongoing APR: 18.24% - 28.24% Variable
However, this card has no annual fee and has a lower earning structure of 1.5x Capital One miles per dollar spent, compared to the Capital One Spark Miles card’s 2x Capital One miles.
In all cases, you’ll have no cap on rewards earnings. The welcome bonus is almost always lower with this card compared to the Capital One Spark Miles card, but it’s definitely a worthwhile option to consider.
You’ll find no foreign transaction fees, purchase protection, extended warranty, roadside assistance, and access to Capital One Miles transfer partners.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 year.
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 year.
N/A
N/A
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
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 cardapplication.
Good to Excellent (670-850)
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
2% cash-back on up to $50,000 in spend, 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
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49% Variable, 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 up to $50,000 per calendar year, then 1%. 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 beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply
Financial Snapshot
APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Our very last business credit card option for shopping at Walmart is the Amex Blue Business Cash card. So if you’re looking for simple cash-back rewards, this card is the best bet for you. This card earns 2% cash-back on all eligible purchases (up to $50,000 per calendar year), then 1% after that.
As you can probably imagine, this credit card offers no-frills rewards. One of the unique features of this card is that your cash-back is automatically credited on your statement, so there are no redemptions you need to worry about!
Other benefits include extended warranty coverage, secondary rental car coverage, purchase protection, and access to Amex Offers.
However, you’ll be surprised to know that Walmart doesn’t normally fall under these categories, rendering these cards of limited value.
So we did the research and helped you figure out which credit cards are the best for shopping at Walmart.
Whether you’re shopping at Walmart for you and your family or your business, there will be a stellar credit card option for your needs.
The information regarding Capital One Walmart Rewards™ card, and Walmart Rewards™ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For the car rental collision damage coverage benefit of The Amex EveryDay® Preferred Credit Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the baggage insurance plan benefit of The Amex EveryDay® Preferred Credit Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the extended warranty and purchase protection benefit of The Amex EveryDay® Preferred Credit Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the return protection benefit of The Amex EveryDay® Preferred Credit Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.
For the car rental collision damage coverage benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the extended warranty and purchase protection benefit of The Blue Business® Plus Credit Card from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
For the car rental collision damage coverage benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the extended warranty and purchase protection benefit of The American Express Blue Business Cash™ Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. The information regarding the Capital One Walmart Rewards™ card and Walmart Rewards™ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Miles Select for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the The Amex EveryDay® Preferred Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.
Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. For rates and fees of the Blue Cash Everyday® from American Express, click here. For rates and fees of The Blue Business® Plus Credit Card from American Express, click here. For rates and fees of The American Express Blue Business Cash™ Card, click here.
Featured Image Credit: BCFC via Shutterstock
Frequently Asked Questions
Our favorite personal credit cards for shopping at Walmart are the Freedom Flex card, the Double Cash card, the Capital One Venture card, the Freedom Unlimited card, the Amex EveryDay Preferred card, and the Amex Blue Cash Everyday card.
Our favorite business credit cards for shopping at Walmart are the Amex Blue Business Plus card, the Ink Business Unlimited card, the Capital One Spark Miles card, the Capital One Spark Miles Select card, and the Amex Blue Business Cash card.
Yes! Walmart accepts Visa, Mastercard, American Express, and Discover. It also accept debit cards, gift cards, and even PayPal (online).
Yes, the rewards you earn with the Capital One Walmart Rewards™ card and Walmart Rewards™ Card are cash-back. However, before you go and use either Walmart credit card, think about signing up for one of the better credit cards in our guide.
Walmart+ is complimentary for those who have the Amex Platinum card. The Amex Platinum card’s Walmart+ credit covers the monthly cost of the standard $12.95 monthly fee.
Walmart accepts Visa, Mastercard, Discover, and American Express. You can also pay with PayPal online.
Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
4 comments
wtf
August 28, 2021
None of these cards include Walmart in-store purchases.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
4 comments
wtf
August 28, 2021
None of these cards include Walmart in-store purchases.
Christine Krzyszton
August 29, 2021
Every card featured in the article earns rewards on purchases made in-store at Walmart.
Alan
November 24, 2021
Yeah! If the moon aligns just right and Mars can be seen next to Venus, we get a 1% discount at Walmart! Great article.
ConsumerRep
May 22, 2022
The BP Visa (issued by Synchrony Bank) card previous to May 2022 would give 3% back on Walmart purchases.
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