Can You Use a Walmart Credit Card Anywhere?

Wal-Mart Stores, Inc. (NYSEARCA: WMT) offers two types of credit cards: the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card. While the Capital One Walmart Rewards Mastercard can be used at any retailer that accepts Capital One, the Walmart Rewards Card is only accepted at Walmart and Sam’s Club stores, including their associated gas stations and website. Walmart website. The Walmart Rewards Card cannot be used for purchases online at samsclub.com, or on the Sam’s Club app, or for purchases from in-store vendors.

Capital One is the new Walmart Rewards card provider, since October 11, 2019; previously, Synchrony Bank administered the cards.

Key points to remember

  • There is a new Capital One Walmart Rewards Mastercard for all purchases, including Walmart and a Walmart Rewards card for purchases made only at Walmart; the maps were deployed on October 11, 2019.
  • Former Synchrony Bank Walmart rewards cards are replaced by Capital One; consumers do not need to apply for a new card, but must create an online account with Capital One; the details are here.
  • With both cards, members earn 5% for 12 months on all Walmart affiliate purchases when associated with Walmart Pay; after that, the return is 5% on the Walmart website or app and 2% at stores or gas stations.
  • For the Capital One Walmart Rewards Mastercard only, there is also a 1% reward earned for so-called everyday purchases.
  • The APR is between 17.99% and 26.99% for the Capital One Mastercard, depending on your credit, and a flat rate of 26.99% for the Walmart card only.

Capital One Walmart Rewards Mastercard Details

As of November 2019, the Capital One Walmart Rewards Mastercard has no annual fee. This card has a annual percentage rate of charge (APR) for purchase, cash and transfers between 17.99% and 26.99%, depending on creditworthiness. The cash advance The APR is 26.99% variable and the balance transfer fee is 3% of the amount of each balance transferred that shows at a special promotional rate, and zero for balances transferred at the transfer APR rate. Fees for cash advances are 3% or $10, whichever is greater.

Late payment fees can be as high as $39, depending on how many recent late payments you’ve had. The card comes with $0 fraud protection against unauthorized user charges and a FICO score verify when registering for online statements.

26.99%

The maximum APR for using the Capital One Walmart Rewards Mastercard or Walmart Rewards Card.

Benefits of the Capital One Walmart Rewards Mastercard

In terms of benefits, you earn 5% back at Walmart stores for your first 12 months if you use your card with smartphone-enabled Walmart Pay. Beyond the introductory period, you can earn 5% back when you shop on Walmart’s website or app, 2% back on Walmart Stores, Gas Stations, Restaurants and Travel, and 1% cashback wherever you use your card.

Walmart Rewards Card Details and Benefits

As of November 2019, this card can only be used at Walmart stores, online and in the Walmart app, gas stations, and Sam’s Club stores. The card comes with an APR of 26.99% and is subject to late payments of up to $39.

The card offers similar benefits to the Capital One Walmart Rewards Mastercard, except the benefits do not extend to so-called everyday purchases. The introductory offer is to earn 5% back when used at Walmart stores in combination with Walmart Pay, for the first 12 months. After that, you’ll earn 5% back when you shop on Walmart’s website or app, and 2% back on Walmart. shops, gas stations, restaurants and travel.

If you’re not a frequent Walmart shopper and are looking for something more versatile, you might want to start looking. rewards credit cards which are not limited to a specific number of stores.

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