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The 12 Best Credit Cards for Shopping at Walmart [2024]

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Most Americans shop at Walmart, which accounts for nearly 10% of all consumer retail spending in the U.S. With 10,500+ stores worldwide, millions of employees, and exceptional pricing, it’s easy to see why Walmart is a brand most Americans know.

You’ll want to ensure you’re optimizing your purchases if you do a lot of your shopping at Walmart, whether for groceries, home improvement, pharmaceuticals, or business.

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 pivot to the best business credit cards.

Before we do that, let’s talk about what you need to look for in a credit card for Walmart. 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. But first, you should understand most Walmart purchases do not code as grocery or supermarket unless you make an in-store purchase at a Walmart Neighborhood Market.

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.

So what else is left? You’ll want to focus most of your attention on credit cards that award points on non-bonused categories or everyday purchases.

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 6 Best Personal Cards for Shopping at Walmart

Card Summary

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Card

Welcome Bonus and Annual Fee

Benefits When Shopping at Walmart

Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in your first 3 months.
  • Annual fee of $0
  • 5% cash-back up to $1,500 in combined purchases on quarterly categories (which has included Walmart in the past)
Citi Double Cash® Card
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
  • 2% cash-back on all purchases (1% when you buy, 1% when you pay, earned as ThankYou Points)
Capital One Venture Rewards Credit Card
  • LIMITED TIME OFFER: Enjoy $250 to use on Capital One Travel in your first year, plus earn 75,000 bonus miles after spending $4,000 on purchases within the first 3 months.
  • Annual fee of $95 (rates & fees)
  • 2x miles on all purchases
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back.
  • Annual fee of $0
  • 1.5% cash-back on all purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
The Amex EveryDay® Preferred Credit Card
  • Earn 15,000 points after you make $2,000 in purchases in the first 6 months.
  • Annual fee of $95 (rates & fees)
  • 1x points at Walmart, but could be increased to 1.5x points if you make more than 30 transactions in a given billing month
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)
  • 3% cash-back (on up to $6,000 in purchases yearly) on U.S. online retail purchases

Chase Freedom Flex℠

Chase Freedom Flex®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Learn More(at Chase's secure site)
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
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
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
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 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 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
Financial Snapshot
  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Our best credit card for shopping at Walmart is the Freedom Flex card, which offers some incredible benefits.

New cardmembers of the Freedom Flex card are eligible for a welcome bonus to start your rewards journey.

But what’s really special about this credit card is the ability to earn up to 5% cash-back on your spending:

  • 5% cash-back up to $1,500 in combined purchases on quarterly categories 
  • 5% cash-back on travel purchases through Chase Travel
  • 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. 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.

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, such as 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 Chase transfer partners to book amazing travel like Emirates first class.

Citi Double Cash® Card

Citi Double Cash® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

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!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 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
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Rewards Center

Citi ThankYou Rewards

The Citi Double Cash card is our runner-up credit card because of its exceptional rewards across the board. 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 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 Citi 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.

If you have a ThankYou Rewards credit card such as the Citi Strata Premier℠ Card or the Citi Prestige® Card, you can massively expand the value you can get for your points by accessing all of Citi’s hotel and airline transfer partners for flights like Etihad first class and Lufthansa first class, greatly increasing the value of your points.

Converting your points this way can increase their value by 60%, up to around 1.6 cents each. That means that your Citi Double Cash card would net you approximately 3.2% return on spend on your Walmart purchases, in addition to all other purchases.

Capital One Venture Rewards Credit Card

LIMITED TIME OFFER
Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at Capital One's secure site)
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy $250 to use on 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 equal to $1,000 in travel.
$250 Capital One Travel Credit + 75,000 miles
$1,600
$95
19.99% - 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.
Good to Excellent Credit (670-850)

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
  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
Cons
  • Enjoy $250 to use on 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 equal to $1,000 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®
  • 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
Financial Snapshot
  • APR: 19.99% - 29.99% (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 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 or damaged luggage reimbursement, Master RoadAssist, and no foreign transaction fees (rates & fees).

You’ll also find useful perks like purchase assurance, a low $95 annual fee (rates & fees), 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.

Chase Freedom Unlimited®

UP TO $300 BACK
Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at Chase's secure site)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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!
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
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.

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 Travel℠
  • 3% back on dining and drugstore purchases
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 Travel℠, 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 travel purchased through Chase Travel℠, 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, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card is the sister card of the Freedom Flex card. Although they’re similar, there are key differences.

Much like the Freedom Flex card, you will not pay an annual fee for the Freedom Unlimited card. You’ll also find a decent welcome offer when you sign up. The Freedom Unlimited card is superior to the Freedom Flex card for most purchases because it earns 1.5% cash-back compared to 1% cash-back.

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 offers 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 Amex EveryDay® Preferred Credit Card

The Amex EveryDay® Preferred Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 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!

Learn More(at Amex's secure site)All information about The Amex EveryDay® Preferred Credit Card has been collected independently by Upgraded Points.

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.

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 $2,000 in purchases in your first 6 months.
15,000 points
$95
0% introductory APR for the first 12 months on purchases and balance transfers,Variable APR of 18.24% to 28.24% 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 $2,000 in purchases in your first 6 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% intro APR on purchases and balance transfers for 12 months from the date of account opening, then a variable APR, 18.24% to 28.24%.
  • 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 and balance transfers,Variable APR of 18.24% to 28.24% applies thereafter
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars
Rewards Center

American Express Membership Rewards

The Amex EveryDay Preferred card is an excellent option for shopping at Walmart, assuming you can use it frequently.

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 increase 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

The Amex EveryDay Preferred card also comes with important benefits such as purchase protection, return protection, extended warranty coverage, roadside assistance, secondary car rental insurance, travel accident insurance, and baggage insurance.

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 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 transfer partners for luxury flights and hotels.

You can also redeem your Amex points for cash-back, gift cards, travel bookings through AmexTravel.com, merchandise, and charity.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(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.

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
19.24%-29.99% Variable,0% on purchases for 15 months
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)

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
  • 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.
  • 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%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • 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: 19.24%-29.99% 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 is an interesting choice for shopping at Walmart. 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 anyway, 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)
  • Get a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card to spend $9.99 or more each month on a subscription to the Disney Bundle. Valid only at DisneyPlus.com, Hulu.com, or Plus.espn.com in the U.S.
Hot Tip:

While the Capital One Walmart Rewards® Mastercard® and Walmart Rewards™ Card might seem ideal for Walmart purchases, the cards we recommend typically have a much better return with transferrable rewards or cash-back.

The 6 Best Business Cards for Shopping at Walmart

If you regularly shop at Walmart for business, this next section is dedicated solely to you Since Walmart is a huge supplier of many goods, you can make the most of trips to the mega-retailer.

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

Card Summary

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Card

Welcome Bonus and Annual Fee

Benefits When Shopping at Walmart

The Blue Business® Plus Credit Card from American Express
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Annual fee of $0 (rates & fees)
  • 2x points on everyday business purchases, up to $50,000 in purchases per year (1x points after that)
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 1.5% cash-back on all your purchases
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Purchase protection, extended warranty
Capital One Spark Miles for BusinessInformation collected independently. Not reviewed by Capital One.
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that
  • 2x miles on every purchase
  • Purchase protection, extended warranty
Capital One Spark Miles Select for BusinessInformation collected independently. Not reviewed by Capital One.
  • Earn a one-time bonus of 20,000 miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • Annual fee of $0
  • 1.5x miles on every purchase
  • Purchase protection, extended warranty
The American Express Blue Business Cash™ Card
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Annual fee of $0 (rates & fees)
  • 2% cash-back on all eligible purchases (up to $50,000 per calendar year), then 1% after that
American Express® Business Gold Card
  • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $375 (rates & fees)
  • 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year)
  • Up to $155 back annually for a monthly Walmart+ membership upon enrollment

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex's secure site)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
$330
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
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 (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

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
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 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: 18.49% - 26.49% 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.
Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is our first choice because you can earn 2x Amex Membership Rewards points on everyday business purchases for 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 in a calendar year.

Plus, the Amex Blue Business Plus card comes with a 0% introductory APR promotion, secondary rental car coverage, purchase protection, extended warranty, and access to Amex Offers (rates & fees).

This no-annual-fee credit card also grants access to a transferable rewards program. With Amex offering the most valuable points out there, it’s easy to see why this no-annual-fee credit card is hugely popular.

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(at Chase's secure site)
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 $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% 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)

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
Cons
    • 3% foreign transaction fee
  • 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
  • Member FDIC
Financial Snapshot
  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

The Ink Business Unlimited card is an impressive card option. It’s considered the “business version” of the Freedom Unlimited card, but it’s 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.

Capital One Spark Miles for Business

Capital One Spark Miles for Business
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 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
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
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases
Financial Snapshot
  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

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. Cardholders get a $100 Global Entry or 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.

Capital One Spark Miles Select for Business

Capital One Spark Miles Select for Business
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

(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
  • Foreign Transaction Fees: 
Rewards Center

Capital One Miles

The Capital One Spark Miles Select card is very similar to the Capital One Spark Miles card.

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 American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 year.

Learn More(at Amex's secure site)
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.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$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
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 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%
  • 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

Another great American Express business card for Walmart purchases is the Amex Blue Business Cash card. 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 is that your cash back is automatically credited to your statement, so you don’t need to worry about redemptions!

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

American Express® Business Gold Card

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% 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 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
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! 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
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle 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 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Our final entry is the recently revamped 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):

  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! 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)

While many of these categories aren’t particularly useful for Walmart specifically, the U.S. gas station category is intriguing, especially if your line of work includes a hefty amount of driving.

On top of the earnings bonuses, 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¢ discount per gallon on fuel. So, not only will your business save money if you order frequently from Walmart, but you also have the ability to save a significant amount of money each time you fill up and earn 4x points per dollar spent at the pump each time you visit.

Hot Tip:

While The Platinum Card® from American Express is not a top earner at Walmart (earning 1x Membership Rewards point per dollar spent at Walmart), cardholders also have access to a complimentary Walmart+ membership as an exclusive benefit!

Final Thoughts

When you first think about shopping at Walmart, you might think that Walmart falls under the label of a grocery store or supermarket, so you might look for a card like the American Express® Gold Card or the Blue Cash Preferred® Card from American Express.

However, you’ll be surprised to know that Walmart doesn’t typically fall under these categories, rendering these cards of limited value when used at Walmart.

So we did the research and helped you decide which credit cards are best for shopping at Walmart.

Whether you’re shopping at Walmart for yourself, your family, or your business, there’s 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 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 Citi Double Cash® Card 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.
The information regarding the Citi Strata Premier℠ Card was independently collected 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.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Preferred® Card from American Express, click here.

Frequently Asked Questions

What are the best credit cards for shopping at Walmart?

Our favorite personal credit cards for shopping at Walmart are the Freedom Flex card, Citi Double Cash card, Capital One Venture card, Freedom Unlimited card, 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, Ink Business Unlimited card, Capital One Spark Miles card, Capital One Spark Miles Select card, Amex Blue Business Cash card, and the Amex Business Gold card.

Does Walmart take American Express?

Yes! Walmart accepts Visa, Mastercard, American Express, and Discover. It also accept debit cards, gift cards, and even PayPal (online).

Can you get cash-back on a Walmart credit card?

Yes, the rewards you earn with the Capital One Walmart card and Walmart card are cash-back. However, before you use either Walmart credit card, think about signing up for one of the better credit cards in our guide.

Which credit cards offer free Walmart+?

Walmart+ is complimentary for those who have the Amex Platinum card or Amex Business Gold card and enroll. The credit covers the cost of the standard $12.95 monthly fee.

What credit cards does Walmart accept?

Walmart accepts Visa, Mastercard, Discover, and American Express. You can also pay with PayPal online.

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About Stephen Au

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