| Credit Card | Best for | Annual Fee | Min. Credit Recommended |
| OnePay Walmart Credit Card | Store Credit Card | $0 | Good |
| American Express Platinum Card® | Walmart Credits | $895 | Good |
| Blue Cash Everyday® Card from American Express | Online Shopping | $0 | Good |
| Bank of America® Customized Cash Rewards credit card | First-Year Promotion | $0 | Excellent |
| Wells Fargo Active Cash® Card | Flat Rewards Rate | $0 | Good |
| Capital One QuicksilverOne Cash Rewards Credit Card (see Rates & Fees) | No Credit | $39 | Limited History |
| Bank of America® Customized Cash Rewards Secured Credit Card | Below Average Credit | $0 | Bad |
Methodology for Selecting the Best Credit Cards for Walmart Purchases
To identify the best credit cards for Walmart, WalletHub’s editors regularly compare more than 1,500 credit card offers to determine which have the potential to save Walmart shoppers the most money via rewards and other benefits, after subtracting any membership fees. We then highlight the cards with the lowest two-year cost and the highest WalletHub Ratings.
WalletHub’s Key Rating Components
Two-Year Cost: 38% – We compare each card’s annual fee with the rewards a typical cardholder can earn over a two-year period, with a focus on value generated from Walmart purchases.
Rewards: 29% – We assess each card’s rewards structure, including base earning rates, rates applicable to Walmart purchases (both in-store and online), other bonus categories, redemption flexibility, and overall savings potential.
Editor’s Rating: 12% – Our editors analyze how each card stacks up against popular alternatives, focusing on overall value and Walmart-specific benefits.
Fees: 11% – We review all associated costs, including annual fees and foreign transaction fees. Cards with lower or easily offset fees receive higher marks.
User Reviews: 7% – We factor in feedback from cardholders about things like the ease of redeeming rewards, experiences with customer service and billing, and their overall satisfaction.
Other Features: 3% – We consider benefits that add real value for Walmart shoppers, integration with Walmart Pay, extended warranties and purchase protection on everyday items, and any perks that make frequent Walmart purchases more convenient or cost-effective.
How Two-Year Cost Is CalculatedTwo-year cost is used to approximate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of the most common financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on Bureau of Labor Statistics data.
