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Side-by-side
PenFed Platinum Rewards Visa Signature Card vs Capital One Walmart Rewards Mastercard
Both are cashback travel cards. The PenFed Platinum Rewards Visa Signature Card comes from PenFed at $0/yr; the Capital One Walmart Rewards Mastercard from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | PenFed Platinum Rewards Visa Signature Card | Capital One Walmart Rewards Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | |
| Bonus value (est.) | $128 | - |
| Min spend to unlock bonus | $1,500 in 3 mo | - |
| Issuer | PenFed | Capital One |
| Card category | cashback | cashback |
| Best earning category (Gas) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Read the full review
Capital One Walmart Rewards Mastercard
$0/yr ·
Editorial take: Capital One Walmart Rewards Mastercard
Common questions
- Which card has the bigger sign-up bonus, PenFed Platinum Rewards Visa Signature Card or Capital One Walmart Rewards Mastercard?
- The PenFed Platinum Rewards Visa Signature Card has a public bonus (15,000 bonus points after $1,500 spend in 90 days, worth roughly $128), while the Capital One Walmart Rewards Mastercard doesn't advertise one right now.
- Is the PenFed Platinum Rewards Visa Signature Card's $0 annual fee worth it compared to the Capital One Walmart Rewards Mastercard?
- The PenFed Platinum Rewards Visa Signature Card has no annual fee, so the question is whether the Capital One Walmart Rewards Mastercard's $0 fee is justified by its perks. If you'll use enough of the Capital One Walmart Rewards Mastercard's benefits to clear $0 in value annually, it's worth it; otherwise stick with the PenFed Platinum Rewards Visa Signature Card.
- Can I have both the PenFed Platinum Rewards Visa Signature Card and Capital One Walmart Rewards Mastercard?
- Yes, since they're from different issuers (PenFed and Capital One) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the PenFed Platinum Rewards Visa Signature Card or the Capital One Walmart Rewards Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. PenFed Platinum Rewards Visa Signature Card: $1,500 spend in 3 months. Capital One Walmart Rewards Mastercard: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.