Walmart Is No Longer The Exclusive Issuer of its Credit Cards - Here Are Good Alternatives

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card lets you choose two retailers per quarter for 6% cash back (on the first $1,500 in combined purchases for that quarter). That means you can choose Walmart and one other preferred retailer every quarter and earn up to$90 cash back—for $360 cash back a year.

That’s more than enough to pay the card’s $95 annual fee and still make some serious money. Plus, you’ll get 3$1,500 in purchases per quarter) in one other category, including wholesale clubs, gas and EV charging stations, or bills and utilities), and 1.5% cash back on everything else.

That means, even if you choose two other retailers in a given quarter, you’d earn 1.5% cash back on all Walmart purchases with the U.S. Bank Shopper Cash Rewards® Visa Signature® Card, at the very least.

• Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening
• Choose two retailers per quarter for 6% cash back
• 3% cash back n one other category, including wholesale clubs, gas and EV charging stations, or bills and utilities
• 1.5% cash back on everything else
• Earn more cash back at online stores
• Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center
• Pay over time with a U.S. Bank ExtendPay® Plan
• Get your cash back as a statement credit, a rewards card, merchant gift cards or direct deposit
• Annual fee: $95 ($0 intro year)
• Balance transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due
• Cash advance fee: 5% of each advance amount, $10 minimum
• Foreign transaction fee:

  Earn a $300 bonus after you spend $2,000 in eligible purchases within the first 120 days of account opening

  Choose two retailers per quarter for 6% cash back

  3% cash back n one other category, including wholesale clubs, gas and EV charging stations, or bills and utilities

  1.5% cash back on everything else

  Earn 5.5% cash back on prepaid hotel and car reservations booked directly in the Rewards Travel Center

  Pay over time with a U.S. Bank ExtendPay® Plan

  Pay over time with a U.S. Bank ExtendPay® Plan (get your cash back as a statement credit, a rewards card, merchant gift cards or direct deposit)

  Annual fee: $95 ($0 intro year)

  Balance transfer fee:

  Cash advance fee:

  Foreign transaction fee:

If you want a card that rewards your spending at Walmart, but you also have plenty of other retailers you shop with, you may find the Chase Freedom Flex® Credit Card more suited to your needs. Each quarter, the Freedom Flex has a rotating bonus category, and you’ll earn 5% cash back (up to $1,500 in the category).

The last time Walmart was one of the eligible categories was Q4 2022—and that’s the gamble with this card. You never know what category will be selected. Chase doesn’t announce the bonus category for a specific quarter until half a month before that quarter begins.

That said, you can expect great rewards categories every quarter, with 5% cash back on purchases such as gas and EV charging, Amazon, dining, travel, groceries, gym memberships, and more.

But even if you don’t love a specific quarter’s 5% category, there’s still reason enough to keep this one in your wallet. You’ll always earn:

• 5% on travel purchased through Chase Travel.
• 3% on dining and drug store purchases.
• 1% on everything else.

That means the Chase Freedom Flex® Credit Card isn’t just good for Walmart spending—it’s good for all kinds of spending throughout the year. Plus, there’s no annual fee.

• Earn 10% cash back on grocery store purchases (excluding Target® and Walmart®)*Opens offer details overlay on up to $12,000 spent in the first year.
• Earn 5% cash back on up to $1,500 on combined purchases in bonus categories each quarter you activate. Plus, earn 5% cash back on travel purchased through Chase TravelSM, 3% on dining including takeout and drug stores, and 1% on all other purchases.
• 0% intro APR for 15 months from account opening on purchases and balance transfers.†Opens pricing and terms in new window After the intro period, a variable APR of 20.49%–29.24%.†Opens pricing and terms in new window Balance transfer fee applies, see pricing and terms for more details.
• $0 annual fee.
• Balance transfer fee: Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: Either $10 or 5% of the amount of each transaction, whichever is greater.
• Foreign transaction fee: 3% of the amount of each transaction in U.S. dollars.

The Citi Double Cash® Credit Card is straightforward—no rotating bonuses, no limits on cash back per quarter, and no annual fee. You’ll earn 1% cash back on all purchases, including at Walmart, and you’ll earn another 1% cash back once you’ve paid off that purchase.

This is great for Walmart shoppers for multiple reasons: Rather than incentivize you to spend more in a given quarter, it simply rewards you for doing the normal weekly or monthly shopping you’d do at Walmart. On top of that, it motivates you to pay off your credit card quickly—before the high interest rate starts to kick in.

And because the Citi Double Cash® Credit Card is available to fair-credit borrowers, this secondary 1% cash back as you pay can be an important incentive. Paying off your credit card in full every month to maximize your cash back payout means your credit score could improve through lower credit utilization and on-time payments.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus 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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, 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).

If you want a simple credit card for all your Walmart purchases, there’s nothing easier than the Capital One Quicksilver Cash Rewards Credit Card. You’ll earn a 1.5% flat cash back rate on everything at Walmart—and everywhere else.

You don’t have to worry about rotating bonus categories, and, unlike the Double Cash card, you don’t have to worry about paying off the card to take full advantage of the rewards rate.

The Capital One Quicksilver is one of the best cash back credit cards for beginners. It really helps you learn the ropes of credit card rewards, though you may eventually want to graduate to a tiered rewards credit card that can offer you better earnings at Walmart and other retailers.

Introductory Offer:

• Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening
• 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that (balance transfer fee applies)

Card Rewards:

• Earn unlimited 1.5% cash back on every purchase, every day
• $0 annual fee and no foreign transaction fees
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options (terms apply)
• No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won’t expire for the life of the account and there’s no limit to how much you can earn

Member FDIC

• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

The American Express Blue Cash Everyday® Card is a great card to have for groceries and gas. You’ll earn 3% cash back on each, on up to $6,000 in purchases a year, and there’s no annual fee. The catch? Walmart doesn’t qualify as a grocery store, even if that’s where you purchase your food.

So why include it as a best credit card for Walmart? Because Blue Cash Everyday also offers 3% cash back on U.S. online retail purchases, up to $6,000, and that includes Walmart. If you do a lot of online shopping (via Walmart, Amazon.com, or any other retailer), you could earn up to$180 a year in cash back from online purchases—plus more cash back from other categories.

This Amex card also comes with plenty of other, non-Walmart benefits. Our favorite? The annual $84 Disney Bundle credit (that’s$7 back each month for streaming services such as Disney+, ESPN, and/or Hulu, as long as your bill is $9.99 a month or greater).

Introductory Offer:

• Receive a $200 statement credit after spending $2,000 on your new Card within the first 6 months.
• No Annual Fee.
• Benefit from 0% introductory APR on purchases and balance transfers for 15 months from account opening. After that, the APR will be variable, ranging from 18.74% to 29.74%.

Card Rewards:

• Earn 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1% thereafter.
• Get 3% Cash Back on U.S. online retail purchases, up to $6,000 per year, then 1% thereafter.
• Enjoy 3% Cash Back at U.S. gas stations on up to $6,000 per year, then 1% thereafter.
• Cash back is received as Reward Dollars, which can be redeemed as a statement credit or at Amazon.com checkout.

Additional Benefits:

• Considering the Disney Bundle (Disney+, Hulu, and ESPN+)? Get $7 back each month as a statement credit after spending $9.99 or more on an eligible subscription (subject to auto-renewal) with your Blue Cash Everyday® Card. Enrollment required.
• Receive 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.

Fees:

• Balance transfer fee: balance_transfer_fees
• No Annual Fee.
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

If you have bad credit—or no credit history at all—you aren’t left out of cash back rewards at Walmart. The Chase Freedom Rise® Credit Card is available to consumers at the beginning of their credit journey and those who need to repair their credit.

While there’s no sizable bonus, you can earn $25 if you enroll in automatic payments. There’s no annual fee, and you’ll be able to track your credit score within the Chase app.

And the best part? You’ll earn 1.5% cash back on all purchases, including at Walmart.

Card Benefits:

• Increase your approval chances: Maintaining a Chase checking or savings account with a balance of at least $250 can boost your chances of getting approved for Chase Freedom Rise®.
• Earn Cash Back: With Chase Freedom Rise®, build your credit while earning 1.5% cash back on all purchases. Cash Back rewards never expire as long as your account is open, and there’s no minimum to redeem.
• Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account. Simply choose a date and amount to ensure your Credit Card gets paid on time.
• Credit Limit Increase: As a Chase cardmember, you’ll be evaluated for a credit line increase as soon as 6 months. Your credit line is the maximum amount you can spend on your Freedom Rise® Card.
• Free Credit Score: Track your credit score and learn how to improve it with Chase Credit Journey.
• No Annual Fee: Enjoy all the great features of your Freedom Rise® card without paying an annual fee.

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