The Capital One Walmart Rewards Card gives up to 5% cashback on Walmart.com purchases. Save more while shopping with no annual fee.
Earn 1% to 5% cashback on groceries, gas, and online orders. Get 5% cashback for 12 months with Walmart Pay.
Keep reading to learn how to apply, maximize your rewards, and make the most of this cashback card.
About the Capital One Walmart Rewards Card
The Capital One Walmart Rewards Card is a no-annual-fee option that offers up to 5% cashback on Walmart purchases.
This makes it a strong choice for frequent Walmart shoppers who want to earn rewards on everyday spending.
With flexible redemption options, cardholders can use rewards for statement credits, travel, gift cards, or direct deposits. Plus, cashback earnings never expire, allowing users to accumulate points and redeem them at their convenience.
Main card details
Type: Credit card
Annual Fee: $0
Cash Back: Up to 5% on Walmart.com, 2% in-store & gas, 1% everywhere else
Intro Offer: 5% cashback at Walmart stores with Walmart Pay for 12 months
APR: 17.99%-29.74% variable
Minimum Credit Limit: $300
Additional Perks: Travel redemption, flexible cashback options
Advantages
No Annual Fee
You can enjoy all the cashback benefits without worrying about yearly costs, making this a budget-friendly option for frequent Walmart shoppers.
5% Cash Back on Walmart.com and App
Earn an impressive 5% cashback on online orders for pickup and delivery, allowing you to maximize savings on groceries, electronics, and household essentials.
Extra 5% on In-Store Purchases with Walmart Pay
For the first 12 months, using Walmart Pay in-store earns you an additional 5% cashback, making every shopping trip even more rewarding.
Disadvantages
Limited Rewards Outside Walmart
Cashback rates drop significantly to just 1% on non-Walmart purchases, making it less valuable for those looking for an all-purpose rewards card.
Introductory Walmart Pay Bonus Expires
The 5% cashback boost on in-store purchases with Walmart Pay is only valid for the first 12 months, reducing long-term value.
Why Choose the Capital One Walmart Rewards Card?
This card offers 5% cashback on Walmart.com purchases and an introductory 5% in-store cashback when using Walmart Pay. These rewards help shoppers maximize savings on groceries, electronics, and more.
Additionally, the card provides 2% cashback at Walmart stores, restaurants, and gas stations, making it useful beyond online shopping. The no-annual-fee structure ensures that all rewards go directly back into your pocket.
Is the Capital One Walmart Rewards Card Worth It?
For those who frequently shop at Walmart, this card delivers excellent value with its high cashback rates and no annual fee. The introductory in-store bonus enhances its appeal for new cardholders.
However, for shoppers who buy from multiple retailers, a general rewards card may offer broader benefits. If most of your spending is outside Walmart, other cards might provide better overall value.
Yes, Capital One allows potential applicants to check for pre-approval with no impact on their credit score. This helps determine eligibility before officially applying.
Once approved, the card typically arrives within 7–10 business days. You can track your delivery status through your Capital One account.
No, the Capital One Walmart Rewards Card does not charge foreign transaction fees. This makes it a great choice for international shopping without extra costs.
Yes, rewards can be redeemed for statement credits, travel, gift cards, or applied directly at checkout when shopping online at Walmart.com, providing flexible redemption options.
– High Rewards & Zero Fees –
This card is perfect for Walmart shoppers, offering high cashback with no annual fee.
Applying for the Capital One Walmart Rewards Card
The application process is straightforward and can be completed online in just a few minutes. Applicants must provide personal details, including income and credit score, to determine eligibility.
Once submitted, approval decisions are typically quick, and successful applicants receive their cards within 7–10 business days. With no annual fee, this card is a cost-effective way to earn cashback on Walmart purchases.
New cardholders can maximize rewards with the 12-month introductory 5% cashback offer when using Walmart Pay. This feature boosts savings on everyday essentials while making transactions seamless.
Required Documents
- Government-issued ID
- Social Security Number
- Proof of income
- Employment details
How to Apply for the Capital One Walmart Rewards Card
- Visit the Capital One website and find the Walmart Rewards Card page.
- Click “Apply Now” and fill in your personal information.
- Review the terms and submit your application.
- Wait for instant approval or further review if needed.
- Receive your card and start earning cashback immediately.