Redeeming Rewards And Other Walmart Card Benefits
Capital One offers many easy ways to redeem your rewards, and you can do so at any time and in any amount. Award options include statement credits, travel reservations, gift cards, and during online checkout at Walmart.com. Or, you can use your rewards to pay for recent purchases using Capital One’s Purchase Eraser.
While these cards don’t break much new ground technologically, they do have a few interesting features. For example, you can apply for these cards using the Walmart app, or even over text message. And these cards are integrated into the Walmart Pay mobile wallet, so you don’t even need to take your card with you to go shopping.
Bankrates Takeis The Capital One Walmart Rewards Card Worth It
For many, Walmart is more than a retailerits the primary hub for groceries, home goods, auto care and more. There are over 5,300 Walmart stores in the U.S., which makes this card offer very appealing. With unlimited 5 percent cash back on purchases at Walmart.com, which includes grocery pickup and delivery, theres a lot of upside for those who do all their shopping at the superstore.
For those who are not near a Walmart or prefer to do their shopping at a variety of stores, however, it may not make sense to get this card. Instead, consider adding a card to your wallet that offers rewards in broader categories that match your spending habits.
The information about the Capital One Walmart Rewards® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
How Much Are Points Worth
Whether you use your rewards for cash back, a check, gift cards or travel, points are worth one cent apiece. When covering purchases and requesting a check, you can choose how many points you want to redeem for cash back. For gift cards and travel rewards, you must have enough points to cover the full redemption cost.
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Capital One Walmart Rewards Mastercard Benefits
In terms of benefits, you earn 5% back in Walmart Stores for your first 12 months if you use your card with the smartphone-enabled Walmart Pay. Beyond the introductory period, you can earn 5% back when you buy from Walmart’s website or app, 2% back from Walmart stores, gas stations, restaurants and travel, and 1% back everywhere else you use your card.
Cardholders of the old Synchrony Bank Walmart Rewards Card can still use their card until their new Capital One card arrives either later this year or in early 2020 at that time, they would need to activate and use the new card.
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Using The Walmart Mastercard At Sams Club
You can use the Walmart MasterCard in any store that accepts MasterCard, including Sams Club, Sams Club online, and many others. You can use it in grocery stores, airlines, restaurants, and any other place with a MasterCard sign.
When you use this card at Sams Club or any other store, you get several rewards. For starters, you get five percent for all purchases on Walmart.com and a two percent rebate on Walmart stores. When you use the card for restaurants and travel premises, you get a two percent rebate and one percent for any other purchase you make using the card.
The only challenge with using the card at Sams Club is that you only get a one percent rebate for all purchases and payments you make at Sams Club. Due to this, members at Sams Club prefer to use the Sams Club card to make their purchases.
Where Can I Use A Walmart Gas Card Using The Walmarts Rewards Card
The Walmart Reward card has terms that are different from that of the MasterCard. However, you can still use it in stores that accept MasterCard. Some of the places where you can use your card include:
All Sams Club branded gas stations
In-store purchases at Sams Club
Walmart stores anywhere in the United States
Walmart gas stations
Murphy USA gas stations
You cannot use the Walmart Rewards Card for Sams Club online purchases. You also cannot use it for in-store vendors or for Sams Club app purchases. When you use this card, you will enjoy five percent rebates for shopping at Walmart.com and two percent rebates for shopping at Walmart stores.
There are no special rebates for when you use the card at any of the Walmart-branded stores. This is the only disadvantage of using this card compared to the MasterCard.
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The Bottom Line On Walmart And Credit Cards
If you’re a regular Walmart shopper, then applying for a Walmart credit card can be a smart way to earn valuable cashback rewards. Both of the cards offer high rewards rates, and neither option charges an annual fee. Which Walmart credit card is best for you depends on your credit score and spending habits.
Unlimited Cash Back
Where Cant I Use My Walmart Credit Card
The Walmart Rewards credit card cannot be used anywhere other than Walmart or associate companies, excluding purchases made at Samsclub.com or on the Sams Club app.
Alternatively, the Capital One Walmart Rewards cannot be used anywhere that does not accept MasterCard providers.
Costco, for example, does not accept MasterCard , therefore rejects competitor providers such as MasterCard.
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Where You Can Use Walmart Credit Cards
Most credit cards can be used anywhere the card network is accepted, but some cards have limitations. Credit cards with restricted use are known as private-label cards or store cards and can only be used at the namesake brand’s properties.
Since the Walmart Rewards Card is a private-label card, you can only use the card at Walmart properties, which include Walmart.com, the Walmart app, Walmart stores and Murphy USA gas stations.
On the other hand, the Capital One Walmart Rewards® Card can be used anywhere Mastercard is accepted.
If you’re looking for a credit card that can be used anywhere, the Capital One Walmart Rewards® Card provides more flexibility than the Walmart Rewards Card.
Walmart Rewards Card Vs Citi Double Cash Card 18 Month Bt Offer
The Citi® Double Cash Card lets you Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It also comes with $0 annual fee.
If you make a majority of your purchases online at Walmart, the Walmart Rewards Card may make sense for you. Otherwise, it may be wise to pick up a card like the Citi® Double Cash Card that gets 2% everywhere. Similar to the Walmart Rewards Card, the Citi® Double Cash Card does not come with an initial welcome offer or higher rewards amount. For the first 12 months, earning 5% in-store with the Walmart Rewards Card might be more attractive if you make a lot of Walmart purchases.
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Credit One Bank Platinum Visa For Rebuilding Credit
This offer is currently not available.
Like the idea of carrying around a platinum card, but think you lack the credit score? Well, the Credit One Bank® Unsecured Visa® for Rebuilding Credit could be the right card for you. With no minimum credit score requirement, even those with the worst credit scores can qualify.
You do need to have a verifiable income, but, if approved, youll have access to at least the minimum $300 credit line. This card comes with an annual fee of $0 to $75 the first year and $0 to $99 each year thereafter depending on your creditworthiness, in addition to monthly account fees.
Capital One Walmart Rewards Mastercard Vs Other Major Store Cards
The rewards structure on the Capital One® Walmart Rewards Mastercard® is relatively similar to two other cards aimed at those who place an emphasis on value pricing, getting most of their shopping done at one spot, or both.
The earns 5% back on Amazon.com and Whole Foods Market purchases 2% back at restaurants, gas stations and drugstores and 1% back on everything else. The catch? Although the card itself has an annual fee of $0, you have to be an Amazon Prime member to apply, which costs $119 annually . A Prime membership comes with free shipping and all manner of unrelated perks you can’t get elsewhere, but there is no such membership fee requirement for the Capital One® Walmart Rewards Mastercard®.
If youre weighing the Capital One® Walmart Rewards Mastercard® against the Target REDcard Credit Card, the most notable difference is that the Target REDcard Credit Card offers a 5% discount at checkout at Target or Target.com, as opposed to 5% cash back on brand purchases. This makes a Target REDcard valuable and easy to use for Target loyalists, but there are no incentives for shopping outside of the Target brand, giving it less appeal as an everyday card.
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How Does Walmart+ Compare To Amazon Prime
All in all, Amazon Prime offers better value, even though the subscription is more expensive $119 per year compared to $98 for Walmart+. Considering the countless perks that come with Prime membership, from video streaming to free eBooks to unlimited photo storage, you may get more bang for your buck with Amazon.
Who Is Eligible For Walmart+ Benefits
Currently, free unlimited delivery benefits are limited to consumers who live near a physical Walmart store. You can still use mobile scan-and-go services when you shop at Walmart, and you can still unlock member prices on fuel, but you can’t take advantage of grocery deliveries from Walmart. If you’re not sure whether you can unlock Walmart+ benefits, check your zip code on the site.
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Which Stores Can I Use My Walmart Credit Card At
The Capital One Walmart Rewards Card powered by MasterCard can be used anywhere that accepts MasterCard payment methods.
Since almost every store in America accepts MasterCard, customers can use their Capital One Walmart Rewards Card at stores such as Kroger, Home Depot, Macys, Whole Foods, and Meijer, to name just a few.
Additionally, these cards can be used at restaurants, bars, cinemas, online stores, or any store that accepts MasterCard.
Capital One Walmart Rewards Card* Vs Citi Double Cash Card
If the idea of having to remain loyal to just one store makes your head hurt, consider a workhorse like the Citi Double Cash, which earns an 2% cash back on all purchases1% when purchases are made and another 1% when theyre paid off. It carries no annual fee.
While it doesnt earn an extra 5% back on purchases at Walmart or elsewhere, earning a steady 2% on everything could match or exceed the extra rewards on Walmart purchases. If you want cash back and only one card in your wallet, a card earning 2% cash back is likely the best you can do. Another idea? Pair the two cards together and use the Walmart Rewards card exclusively at that store and use the 2% cash back card for all other spending.
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Walmart Rewards Card Review
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The Walmart Rewards Card, a store card issued by Capital One, lets consumers earn lucrative rewards on Walmart purchasesespecially those made online. If you shop at Walmart.com or spend a lot in the discount retailers brick and mortar stores, this card could be a good addition to your wallet.
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Capital One Walmart Rewards Card* Vs Costco Anywhere Visa Card By Citi*
Costco often competes with Walmart in major markets, and its co-branded card, the Costco Anywhere Visa Card offers strong cash-back rewards too. The Costco card has no annual fee but does require a Costco membership to apply . While it doesnt provide the 5% incentive for online purchases that the Walmart Rewards card does, it offers better rewards in other categories: 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and eligible travel purchases, 2% cash back on all other purchases from Costco and Costco.com and 1% cash back on all other purchases
One potential drawback: You can only redeem your rewards once a year and it has to be in person at a Costco customer service counter. The rewards for online purchases are significantly less than the Walmart card but the gas, dining and travel earnings are higher. Whether to choose this card over the Walmart card will depend on how and where your household spends.
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Capital One Walmart Rewards Mastercard
- Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
- Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
- Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
- Limited rewards for in-store shopping
- No intro APR period
This card earns 2% cash back on every purchase: 1% when you buy and 1% when you pay it off. There’s no sign-up bonus, but the annual fee is $0.
0% intro APR on Balance Transfers for 18 months
0% intro APR for 14 months on purchases and balance transfers
0% intro APR for 15 months on purchases and balance transfers
Recommended Credit Score
|690850good – excellent|
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Is There An App For The Walmart Credit Card
You can add your Walmart Rewards Card to the Walmart mobile app. This can be a great way to use Walmart Pay for shopping at Walmart. During the first 12 months of having the Walmart Rewards Card, using your card with Walmart Pay allows you to get 5% cash back at Walmart stores in addition to at walmart.com.
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What Benefits Do Sams Club Members Get
As a member of Sams Club, you will enjoy huge discounts with everything you shop. You also get benefits from tax services. Members will enjoy these benefits from more than 10,000 stores around the country.
There are several other benefits and rewards, including deals on travel, vehicle maintenance, and health insurance available at Sams Club. You can see more benefits at the Sams Club online store or call a customer care personnel to understand the benefits you will enjoy.
Members can join the club at different membership levels. You can pick the basic membership, which costs $45 a year, or the more advanced at Sams Plus Membership at $100 a year. The Sams Plus Membership allows members extended shopping hours and offers them $10 cashback for every $500 they spend in a year.
Cibc Dividend Visa Infinite
With the Dividend Visa Infinite, CIBC offers a strong contender in the cash back credit card category, especially for drivers, and even more so if you add your grocery bill to this card. With a return of 4% on gas and groceries, this card is designed to put money back in your pocket. There are a few other bonus categories through which to earn cash back, including 2% on daily transit , so itll get you rewards on all modes of transit, as well as 2% on dining and recurring payments.
- Annual fee: $120
Interest rates: Purchases 20.99%, cash advances 22.99%, balance transfers 22.99% .
- Earn rate on gas: 4%
- Rewards on other purchases: 4% cash back on groceries, 2% on dining, daily transit and recurring bills, and 1% back on everything else.
- Welcome bonus: Get 10% cash back for all purchases on your first four statements, or first $2,500 in purchases . After that, the earn rate becomes 4% on gas and grocery purchases and 1% cash back on everything else.
- Additional benefits: Emergency travel medical car rental collision and loss damage insurance mobile device insurance plus save up to $0.10 per litre at participating Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
- Income required: $60,000 or $100,000 as a household
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