13 cards ranked
Best credit card to use at Walmart.
Online Shopping
Walmart is the country's largest grocer and one of its largest general retailers, but it sits in an awkward spot for credit-card rewards. Most cards' grocery 3-5% bonuses explicitly exclude Walmart (it codes as a discount store, not a supermarket), and Walmart's gas stations code as Walmart, not gas. Walmart.com purchases code as online shopping on most cards, which opens up the strongest non-co-branded earn rates — in-store purchases generally fall back to flat-rate cashback unless you're using a Walmart-issued card.
Picks without a tag earn at Walmart both in-store and online. Watch for theOnline onlytag — those bonuses only apply on walmart.com.
- #1U.S. BankEarns 6% at WalmartIf selected as one of your 2 quarterly retailers (up to $1,500/quarter, then 1.5%)6%
- #2Blue Cash EverydayOnline onlyAmerican Express3% on online shopping (up to $6,000/year, then 1%)U.S. online retail purchases3%
- #33%
- #42%
- #52%
- #6First Electronic Bank2% flat-rate cashbackUp to 4% with higher crypto balances on Coinbase; requires Coinbase One membership2%
- #7Elan Financial Services2% flat-rate cashbackWhen deposited into an eligible Fidelity account2%
- #8American Express2% flat-rate cashbackUnlimited 2% cash back on eligible purchases2%
- #9Navy Federal2% flat-rate cashbackIssued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%2%
- #102%
- #112%
- #122%
- #132%
Last updated May 17, 2026