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Walmart Rewards<sup>™</sup> Mastercard®

Walmart Rewards<sup>™</sup> Mastercard®

WalmartMastercardCash Back

on Walmart's website

Annual Fee
$0
Welcome Bonus
Up to$25
cash back
Bonus Value
$25
Estimated value
1st Year Value
$248
✓

Pros

  • ✓Welcome Bonus: $25
  • ✓Airport lounge access
  • ✓No annual fee
✗

Cons

  • ✗Foreign Transaction Fee (2.5%)
  • ✗No purchase protection

Our Review

With the Walmart Rewards Mastercard, you can earn 3% cash back on all your purchases at Walmart and Walmart.ca. Everywhere else, you get 1% cash back.

Plus, you pay no annual fees. And you can get up to $25 cash back as a welcome bonus.

Rewards

All Spending

1x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries1.00%
$400/month
Restaurants1.00%
$160/month
Gas1.00%
$300/month
Recurring1.00%
$300/month
All other spending1.00%
$700/month

Cashback earned

$223

$/yr

Estimated Value

$223

After Fees

+$223

1st Year Value

$248

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 1.00%$48
Restaurants$1,920/yr × 1.00%$19
Gas$3,600/yr × 1.00%$36
Recurring$3,600/yr × 1.00%$36
All other spending$8,400/yr × 1.00%$84
Total annual spend$22,320
Monthly spend$1,860
Average earn rate1.00%
Total cashback earned$223

Interest Rates

  • Purchase Rate
    21.89%
  • Cash Advance
    22.97%
  • Foreign Transaction Fee
    2.5%

Perks & Benefits

★

Airport Lounge

0 visits/year

Terms & Conditions

Card Features

  • 3% cash back online at Walmart.ca and for purchases at Walmart
  • 1% cash back everywhere else

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Walmart. All trademarks are property of their respective owners.