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Capital One|Personal
Capital One Walmart Rewards Mastercard
4/5
Annual Fee
$0
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Is this card worth it?
Annual fee
$0
Best for
Cashback
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Statement credits
1- Walmart Rewards redemption ratio is 1
Walmart Rewards redemption ratio is 1:1 (1 cent per 1 Walmart Reward point) when redeemed as a statement credit applied against eligible Walmart purchases (Walmart.com or in-store) or applied to your Capital One Walmart Rewards Mastercard statement balance through the Walmart account dashboard; Walmart Rewards are not transferable to airline or hotel loyalty programs and cannot be redeemed for cash, check, or non-Walmart gift cards
Perks & memberships
3- Authorized users$0 annual fee on the primary card and on authorized users; Capital One does not charge an annual fee on the Walmart Rewards Mastercard, consistent with the card's positioning as a retailer loyalty product (the closed-loop in-store Walmart Rewards Card, which is not a Mastercard, also has $0 annual fee, but only the Mastercard version is usable away from Walmart)
- Card networkNetwork: Mastercard, issued on the Mastercard World tier per Capital One's card art and benefits guide (the card carries the Mastercard World designation, not the higher World Elite tier; this matters for the Mastercard network-level benefits package the cardholder is eligible for)
- Authorized usersAuthorized users may be added at no additional cost and any Walmart Rewards earned on authorized-user spend post to the primary cardmember's Walmart Rewards balance; the primary cardmember remains responsible for all charges
Travel & purchase protections
2- $0 fraud liability: you are not responsible for unauthorized charges, per Capital One's standard fraud protection policy applied to all consumer credit cards including the Walmart Rewards Mastercard
- Mastercard World benefits (network-level): cell phone protection, ID theft protection, Mastercard Travel & Lifestyle Services concierge, and Priceless Experiences are available via Mastercard's World tier benefits guide where Mastercard offers them (terms, conditions, and exclusions apply per the Mastercard Guide to Benefits applicable to Capital One World cards; the Walmart Rewards Mastercard is not on the higher World Elite tier so it does not get World Elite-only perks)
More benefits & fine print (10)ShowHide
- Earn 5% back in Walmart Rewards on purchases at Walmart.com, including grocery pickup and delivery orders placed through Walmart.com or the Walmart app (per Capital One's Walmart card product terms; this 5% rate applies to digital orders regardless of payment method on Walmart.com and is the headline category that justifies holding the card for Walmart-loyal households)
- Earn 5% back in Walmart Rewards on in-store purchases at Walmart for the first 12 months after account opening, but only when you pay using Walmart Pay in the Walmart app with the Walmart Rewards Mastercard set as the funding source (per Capital One's terms; after the first 12 months, in-store purchases drop to the 2% Walmart-stores tier even if paid with Walmart Pay, which is a meaningful cliff to plan around)
- Earn 2% back in Walmart Rewards on in-store purchases at Walmart and Murphy USA / Walmart fuel stations (per Capital One's Walmart card terms; the 2% in-store rate is the steady-state rate after the 12-month Walmart Pay 5% intro window expires for swipe / tap / chip-insert transactions at the physical store)
- Earn 2% back in Walmart Rewards at restaurants and on dining purchases anywhere Mastercard is accepted (per Capital One's Walmart card terms; this is a real category bonus away from Walmart, distinguishing the Mastercard version from the closed-loop Walmart Store Card which earns no rewards outside Walmart properties)
- Earn 2% back in Walmart Rewards on travel purchases, including airlines, hotels, car rentals, cruise lines, and travel agencies, anywhere Mastercard is accepted (per Capital One's Walmart card terms; the 2% travel rate applies to merchant-coded travel purchases off Walmart property and is competitive with the base rate on many no-annual-fee travel cards)
- Earn 1% back in Walmart Rewards on all other purchases, with no rotating categories, no activation requirements, and no annual caps on the 5% / 2% bonus tiers (per Capital One's Walmart card terms)
- Walmart Rewards do not expire as long as the account remains open and in good standing (per Capital One's Walmart card terms; closed or charged-off accounts forfeit any unredeemed rewards balance)
- Digital wallet support: Apple Pay, Google Pay, and Samsung Pay enabled; the card is also provisionable into Walmart Pay inside the Walmart app, which is the required payment rail to earn the 5% intro in-store rate during the first 12 months
- Eno virtual card numbers: free virtual card number service from Capital One's Eno assistant for safer online checkout; generate single-merchant virtual numbers that can be paused or deleted without affecting your physical Walmart Rewards Mastercard number
- 24/7 customer service via phone, the Capital One mobile app, and online chat; card lock / unlock, transaction alerts, dispute filing, and rewards redemption are supported in the Capital One mobile app, while Walmart-specific rewards redemption and management is handled through the Walmart account dashboard
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