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

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updated: September 25, 2024
edited by Wendy Connett

In May 2024, Capital One and Walmart announced they were ending the partnership that made Capital One the exclusive issuer of Walmart credit cards. The partnership started in 2019 and resulted in two popular Walmart cards: the Capital One Walmart Rewards Card (valid anywhere Mastercard is accepted) and the Walmart Rewards Card (exclusively for purchases at Walmart).

Current Walmart cardholders can continue to use their credit cards as they had previously—and still earn rewards. However, if you don’t already have a Walmart credit card through Capital One, you won’t be able to open one. So what’s the best credit card for frequent Walmart shoppers now that Capital One’s partnership has ended? We’ll explore the best options below.

Looking for a credit card to use when shopping at Walmart in-store or online? One of these six cards will do the trick.

What Credit Cards Does Walmart Accept? Our recommendations

Best for: high rewards
US Bank

U.S. Bank Shopper Cash Rewards Visa Signature Card

Best for: high rewards

U.S. Bank Shopper Cash Rewards Visa Signature Card

Credit score needed
Excellent, Good
Annual fees
$95 ($0 intro year)
Bonus rewards
$300

The U.S. Bank Shopper Cash Rewards® Visa Signature® Card lets you choose two retailers per quarter for 6% cash back (on the first 1,500incombinedpurchasesforthatquarter).ThatmeansyoucanchooseWalmartandoneotherpreferredretailereveryquarterandearnupto1,500 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 95annualfeeandstillmakesomeseriousmoney.Plus,youllget395 annual fee and still make some serious money. Plus, you’ll get 3% cash back (on 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:

Pros:

  • Up to 6% cash back at Walmart and other retailer of your choice.
  • 3% cash back in another preferred category.
  • $300 sign-up bonus.

Cons:

  • $95 annual fee.
  • High potential APR (up to 29.74%).
  • 3% foreign transaction fees.
Best for: flexible spending
Chase

Chase Freedom Flex℠

Best for: flexible spending

Chase Freedom Flex℠

Credit score needed
Excellent, Good
Annual fees
$0
Bonus rewards
$200 bonus

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.

Pros:

  • 5% cash back in rotating categories.
  • 3% cash back on dining and at drug stores.
  • $200 sign-up bonus.

Cons:

  • No insight into upcoming 5% cash back categories (Walmart often not included).
  • High potential APR (up to 29.24%).
  • Low 1% cash back rate for most purchases.
Best for: quick payoffs
Citi

Citi Double Cash® Card

Best for: quick payoffs

Citi Double Cash® Card

Credit score needed
credit_score_needed
Annual fees
annual_fees (Rates & Fees)
Bonus rewards
bonus_miles_full

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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • 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).

Pros:

  • 2% cash back on everything (no categories to track).
  • Incentivizes timely credit card payoff.
  • Available to fair-credit borrowers.

Cons:

  • No special incentives for Walmart shopping.
  • High potential APR
  • Low max cash back rate compared to other Walmart cards.
Best for: easy spending
card_name

Capital One Quicksilver Cash Rewards Credit Card

Best for: easy spending

Capital One Quicksilver Cash Rewards Credit Card

Credit score needed
credit_score_needed
Annual fees
annual_fees
Bonus rewards
bonus_miles

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

Pros:

  • 1.5% cash back on everything (no categories to track).
  • No annual or foreign transaction fees.
  • $200 sign-up bonus.

Cons:

  • No special incentives for Walmart shopping.
  • High potential APR (29.99%).
  • Low max cash back rate compared to other Walmart cards.
Best for: online Walmart shoppers
card_name

Blue Cash Everyday® Card from American Express

Best for: online Walmart shoppers

Blue Cash Everyday® Card from American Express

Credit score needed
credit_score_needed
Annual fees
annual_fees

(Rates & Fees)

Bonus rewards
bonus_miles

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,andthatincludesWalmart.Ifyoudoalotofonlineshopping(viaWalmart,Amazon.com,oranyotherretailer),youcouldearnupto6,000, 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 84DisneyBundlecredit(thats84 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

Pros:

  • 3% cash back on groceries and gas.
  • 3% cash back on online purchases, including Walmart.com.
  • Disney bundle credit.

Cons:

  • Walmart not included in grocery category.
  • High potential APR (29.99%).
  • 2.7% foreign transaction fee.
Best for: building credit
card_name

Chase Freedom Rise®

Best for: building credit

Chase Freedom Rise®

Credit score needed
credit_score_needed
Annual fees
annual_fees
Bonus rewards
bonus_miles_full

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.

Member FDIC

Pros:

  • 1.5% cash back on everything (no categories to track).
  • Available to borrowers with bad credit (or no credit at all).
  • No annual fee.

Cons:

  • No sign-up bonus.
  • No special incentives for Walmart shopping.
  • Low max cash back rate compared to other Walmart cards.

Our Methodology

To determine the best credit cards for Walmart, we analyzed hundreds of credit cards. We prioritized cards with no or low annual fees that were relatively accessible to shoppers with good credit. To mimic the retired Capital One® Walmart Rewards® Card, we focused primarily on cash back credit cards that would pay out a notable rate for shopping specifically at Walmart.

How to choose the best credit card for Walmart

Shop at Walmart regularly and want a credit card that rewards your spending? Here’s how to choose the best Walmart credit card for you:

Think about all the stores you use

Do you use Walmart for just about every purchase, or do you shop at Walmart for some items but other stores (supermarkets, Amazon.com, clothing stores, hardware stores) for other items?

If you’re all-in on Walmart, choose a credit card that doesn’t leave Walmart out of its highest rewards rates. If you shop more flexibly, think about all the different rewards categories you might benefit from.

Consider in-store vs. online spending

Some credit cards reward you more for in-store spending at Walmart. Others are designed for online shoppers. Consider your shopping habits before settling on a specific card.

Calculate how much you spend

Some cards that are good for Walmart may have higher rewards rates but annual fees. Others may pay out less cash back but have no yearly payment. Do the math to figure out which is the better deal based on your spending habits.

Also keep in mind that most flat-rate cash back credit cards have no spending limits. Tiered credit cards with better cash back rates usually have a max amount you can earn in a quarter or year for that spend category.

More on earning rewards at Walmart

Want the greatest savings when shopping at Walmart? Here’s what you need to know about the discontinued rewards card and the still-running Walmart Rewards perk for Walmart+ members.

Capital One Walmart Rewards Card news

On May 24, 2024, Capital One and Walmart announced they were ending a five-year partnership that had made Capital One the exclusive issuer of credit cards for Walmart. To date, Walmart has not announced a new credit card partner. Capital One will still service existing cardholders’ accounts, and cards already issued will still earn rewards as they always did.

How to get the most out of your Walmart card

If you opened a Walmart credit card through Capital One before the partnership was discontinued, you can continue to use the Walmart Mastercard just as you always have. Until Walmart or Capital One says otherwise, you’ll earn 5% cash back on Walmart.com and 2% cash back in Walmart stores and fuel stations, as well as at restaurants and on travel.

If Capital One and Walmart eventually announce the card will no longer earn rewards, we recommend switching to one of the best credit cards for Walmart featured above. However, it’s a good idea to keep the Capital One card open—and simply not use it. This will help your credit score in several ways:

  • Longer average age of credit as long as you keep the card open.
  • Lower credit utilization as long as you don’t use the card (or rarely use it).
  • On-time payment history as long as you regularly pay off the card.

Pros and cons of the Walmart Rewards program

Walmart Rewards are available to Walmart+ members. You don’t need a specific credit card to take advantage of them. Instead, you’ll log in to your Walmart+ account online or through the app, search for bestselling items that are eligible for rewards, and add the reward item to your account.

You’ll earn the rewards when you purchase the item—online or in-store—and can bank those rewards to reduce the price of future purchases.

Pros:

  • Free to use: The Walmart Rewards perk is free to all Walmart+ members.
  • Easy to use: Simply claim the rewards you want in the app, and they’ll automatically enter your account when you purchase the items.
  • Additional savings: You’ll earn rewards dollars toward future purchases, and you can still use your preferred cash-back credit card when making those purchases for additional savings.

Cons:

  • Available to Walmart+ members only: Walmart Rewards are only available to Walmart+ customers. The membership costs 12.95amonthor12.95 a month or 98 a year—plus tax.
  • Spending incentives: You may be incentivized to purchase products you don’t really want or need, simply because you want to earn the rewards.

TIME Stamp: There are still great credit card options for Walmart shoppers

The discontinuation of the Capital One Walmart Rewards Card means regular Walmart shoppers no longer have access to a store-specific rewards credit card, but that doesn’t mean you’re out of luck. Several cash-back credit cards are ideal for shopping at Walmart, both in-person and online. These cards also offer benefits at other stores, as well as restaurants, gas stations, and other common expense categories.

Frequently asked questions (FAQs)

What are Walmart cash rewards?

Walmart+ members can earn Walmart Rewards when purchasing specific items online or in the store. To earn the rewards, members must pre-select those items online or in the app.

Why is Walmart leaving Capital One?

In the press release announcing that Walmart and Capital One would no longer partner on credit cards, the two brands did not give a reason for the dissolution. As of now, Capital One is still servicing the existing credit cards, and cardholders will continue to earn the same rewards.

How do you get Walmart Rewards?

While Walmart and Capital One have ended their partnership, existing Capital One® Walmart Rewards® Card members can continue to collect cash back at this time. In addition, Walmart+ members can earn Walmart Rewards by purchasing specific items they’ve selected online or in the app.

The information presented here is created by TIME Stamped and overseen by TIME editorial staff. To learn more, see our About Us page.

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