Best Cards for Wally World: Capital One Walmart Rewards Card Review

With 5% cash back on Walmart online items and 2% cash back on dining and travel, this card has solid returns on everyday purchases – but just like the others. storage card from Amazon and Target, make sure you’re brand loyal before you sign up. Tag Rating *:

* Card Ratings are based on the opinions of TPG editors and are not influenced by the card issuer.

While Amazon can be thought of as the everything store, you might be surprised to learn that Walmart is actually the largest retailer in the world when it comes to overall revenue.

With thousands of essential items online and in-store, you can very well shop at Walmart – and nowhere else.

If you fall into this demographic, then you should take a closer look at the Capital One Walmart Rewards Card for its solid earnings potential. While there are some others cashback card well worth considering, let’s dive deeper into this Capital One Walmart card to see if it fits your lifestyle.

Information about the Capital One Walmart Rewards Card has been independently obtained by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Who is this card for?

If your neighborhood Walmart or Walmart.com is your must-go shopping destination, this card could very well be right for you. The giant – the world’s largest retailer – sells almost everything.

One big caveat and to be honest, one downside, is that to get the full 5% back on purchases on Walmart after the first year, you have to shop at Walmart.com or order groceries online for pickup or delivery.

Related reading: How to make sure you earn bonus points on grocery purchases

If that doesn’t sound like you, there are better long-term cashback card alternatives – or ways of pairing one card with another (which we’ll cover shortly) for a bigger payout. your money.

On the plus side, this card doesn’t have any foreign transaction fees, and technically it doesn’t travel cardit offers 2% cashback on food and travel purchases.

This card is for people with Credits from “good” to “excellent”.

Our conclusion is that this Capital One card is an appropriate – but still solid – product for Walmart employees who don’t always shop in person.

You’ll get 5% cashback at Walmart stores for the first 12 months when you use your Walmart Rewards card with Walmart Pay. After the first year, that number will return to 2% – standard refunds ratings when buying anything in store at Walmart.

Let’s say you spend an average of $300 per month at the store. That 5% annual refund is $180, while 2% cashback is $72. With this welcome offer, you’ll essentially earn $108 during your first year of card ownership.

Not available 0% referral APR or refunds coupons on this Walmart Rewards card.

The biggest draw here is the unlimited 5% cashback at Walmart.com which includes Grocery pick up and delivery.

Additionally, the Walmart card offers higher earnings on select bonus categories. Get 2% back at restaurants and on travel, and 2% back at Walmart stores and at Walmart and Murphy USA fuel stations. You’ll get 1% back anywhere else that accepts Mastercard.

As mentioned, Walmart in-store purchases 5% net for the first year of card ownership as long as you also pay with your smartphone and Walmart Pay.

Income Summary:

• 5% cashback on purchases made at Walmart.com or in the Walmart mobile apps.
• 2% cash back on purchases at Walmart stores in the US and Puerto Rico, and at Walmart and Murphy US gas stations.
• 3% cash back when you use Walmart Pay on purchases made at Walmart stores during the first 12 months of account opening, for a total of 5%.
• 2% cash back on gift card purchases at Walmart (online, app, Walmart Pay, and in-store).
• 1% back everywhere else.

With this Mastercard Capital One card, you can not only use it anywhere that accepts Mastercard, but also get many standard benefits:

• No foreign transaction fees: There is no charge for purchases outside the US.
• Free Concierge Service: Get personalized assistance with dining, entertainment and travel.
• Warranty extension: Get additional warranties on eligible items purchased with your card.
• 24-hour tour assistance service: If your card is lost or stolen, you may be able to receive an emergency replacement card and a cash advance.
• Travel accident insurance: Get automatic coverage for covered loss when you use your card for travel purchases.

How to redeem

With this Capital One Walmart Rewards Card, you technically earn points worth one cent, each redeemable for any amount at any time. This flexibility is especially helpful as some cards require you to reach a minimum threshold before being allowed to redeem.

Your options include:

• Credit statement: Apply the bonus as a statement credit to your account balance.
• Includes a purchase: Use the rewards on any recent purchases you’ve made with your card.
• Gift card: Redeem for gift cards from Walmart or other retailers.
• In exchange for travel: Redeem for trips and travel purchases you make with your card.

Because this is a cashback cardall your earnings are at fixed valueso while flexibility is appreciated, know that you will always exchange a penny for each portion.

No other annual fees, cashback card options to consider with other retailers and banks. With some of these cards, such as Chase Freedom Flex℠you have the option of combining rewards towards a more lucrative transferable currency such as Chase the ultimate reward points if you also keep Chase Sapphire Preferred Cardthe Chase Sapphire Reserve or Ink . Business Preferred Credit Card.

Amazon Prime Rewards Visa Signature Card

You can’t talk about Walmart without mentioning the big retailer Amazon. With 5% cashback on purchases on Amazon and Whole Foods and 2% cashback at restaurants, gas stations, and pharmacies, this is a card that makes sense for Amazon and Whole Foods enthusiasts.

Information about the Amazon Prime Rewards Visa Signature Card has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

REDcard Goals

A goal is another goal supermarket with a wide variety of products. With this card, you get 5% off your purchases at Target – both in-store and online – which can save you a pretty penny. Plus, cardholders get 5% off at Starbucks locations inside Target along with free two-day shipping. Unlike the Walmart card, your 5% includes in-store purchases but no other category rewards.

Information about the Goal REDcard has been independently collected by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Citi® Double Cash Card

Forget about bonus categories and store cards for a moment. A simple and useful cashback card is Citi Double Cash Card. This card gives you 2% cash back (1% when you buy and another 1% when you pay). There are no limits and you can even transfer your cash back Citi ThankYou points when combined with a card like Citi Premier® Card.