The Walmart Credit Card is designed to give you savings on every purchase. When you apply Walmart credit card benefits save more, you can earn cashback and rewards on all your spending.
It comes in two types — Walmart Rewards™ Mastercard® and Walmart Rewards™ World Mastercard®. Each version offers solid benefits to help you shop smarter and save more.
Understanding the Walmart Credit Card
Understanding the Walmart Credit Card means knowing how it fits your shopping and financial goals. This section explains the types, benefits, and functions of the card in simple terms.
Walmart Rewards™ Mastercard®
This is the basic version designed for most users who shop regularly at Walmart. It comes with no annual fee and helps you earn reward dollars with every purchase.
You can redeem points easily online or in-store, making it simple to save while you shop. It’s ideal for customers who want rewards without added costs.
Walmart Rewards™ World Mastercard®
This card is for users with a higher income who want additional benefits. It provides the same cashback rates but adds premium features such as extended warranties and purchase protection.
You also get longer Delivery Pass benefits and enhanced global coverage. It’s built for frequent shoppers who value extra perks.
Reward Dollars and Flexibility
Every transaction earns Walmart Reward Dollars™ that can be used as cash at Walmart. The rewards never expire as long as your account remains active.
You can check your balance or redeem points at checkout or through Walmart.ca. This gives you full control of your savings every month.
Global Security and Acceptance
Both Walmart credit cards are backed by Mastercard’s worldwide network. You can use them anywhere Mastercard is accepted, ensuring convenience while traveling or shopping online.
They also include Zero Liability Protection for unauthorized transactions. This makes every purchase safe and worry-free.
Key Benefits of the Walmart Credit Card
The rewards structure is designed to maximize your spending power, particularly if you shop regularly at Walmart or Walmart.ca. Both cards deliver impressive value through reward points and zero annual fees.
- 3% in reward dollars for purchases made at any Walmart store in Canada or on Walmart.ca.
- 1% back on all other purchases wherever Mastercard is accepted.
- No annual fee, making it easy to maintain and budget-friendly.
- Welcome bonus of $25 reward dollars when you spend $75 or more within the first 30 days.
- Free Delivery Pass for 3 months (Mastercard) or 6 months (World Mastercard).
These features make the card ideal for frequent Walmart shoppers who want effortless cashback rewards and added conveniences like online order benefits.
Walmart Credit Card Rewards and Redemption
Understanding how rewards and redemptions work helps you get the most from your Walmart Credit Card. This section covers how to earn and redeem your Walmart Reward Dollars™ efficiently.
Earning Walmart Reward Dollars™
You earn rewards on every eligible purchase made with your card. Each dollar spent at Walmart earns 3% back, while other Mastercard purchases earn 1%.
The rewards accumulate automatically in your account without any extra steps. This makes earning simple and consistent for all cardholders.
Redeeming and Tracking Rewards
Redeeming your Walmart Reward Dollars™ is fast and easy through Walmart.ca or in-store checkout. One reward dollar equals one Canadian dollar, giving you real cash value.
You can track and manage rewards through your Walmart account online. Regular use for essentials like groceries and fuel can add up to substantial annual savings.
Additional Features and Card Protections
These card protections help you shop with confidence. Below is a list explaining the main security and protection benefits that come with both Walmart credit cards.
- Zero Liability Protection – Prevents you from being held responsible for unauthorized transactions on your account. It ensures that fraudulent charges are fully covered by the issuer. This feature provides you peace of mind every time you make a purchase.
- Mastercard Global Services™ – Offers emergency assistance, including card replacement and cash advance access worldwide. This service is available anytime, making travel and daily spending safer.
- Free Extended Warranty (World Mastercard®) – Doubles the manufacturer’s warranty on eligible purchases up to one additional year. It’s valuable for electronics, appliances, and other major items.
- Purchase Assurance (World Mastercard®) – Protects purchases against theft or accidental damage for up to 90 days. This benefit adds an extra layer of protection for your new items.
Interest Rates and Fees
Understanding the cost structure helps you control your finances better. Both cards have a 21.89% interest rate on purchases and 22.97% for cash advances.
You can enjoy a 21-day grace period if you pay your full balance each month. There are no annual fees, giving you long-term savings and flexibility.
How to Apply for the Walmart Credit Card?
Applying for the Walmart Credit Card is fast and straightforward. You can follow these simple steps to apply successfully for your Walmart Credit Card:
- Visit Walmart.ca/creditcard or go to a Walmart store and find the credit services desk.
- Fill out the online application form with your personal and financial details.
- Provide supporting documents such as proof of identity and income (if applying for the World Mastercard).
- Submit the application and wait for an instant decision, which usually takes a few minutes.
- Receive your card by mail within 7–10 business days and activate it immediately.
These steps make it convenient to start earning rewards without long waiting times or complex approval processes.
Managing Your Walmart Credit Card
Walmart provides user-friendly tools to help you manage your account effectively. You can access your statements, make payments, and track rewards through the online account portal or mobile wallet app.
Contactless payments and mobile compatibility with Apple Pay, Google Pay, and Samsung Pay add flexibility and convenience.
Keeping your account in good standing helps you build a positive credit history. Paying on time and staying within your limit ensures you avoid interest charges and maintain your eligibility for future credit upgrades.
Ways to Save More with the Walmart Credit Card
Using the Walmart Credit Card strategically can help you maximize rewards and long-term savings. You can easily combine rewards with existing promotions to multiply your benefits.
For example, pairing the 3% cashback with Walmart’s Rollback deals or online discounts amplifies your savings. Consistent use for household expenses, groceries, and gas ensures you earn rewards faster.
Always pay your balance before the due date to avoid interest charges that can offset your cashback gains. Over a year, these simple habits can help you accumulate significant savings.
Customer Service and Contact Details
Walmart ensures cardholders receive responsive and accessible support. If you have questions or need assistance, you can reach out to the Walmart Rewards Mastercard service team.
- 1-888-331-6133 (Available 24/7)
- Mailing Address: Walmart Rewards Mastercard, P.O. Box 3000, Desjardins Station, Montreal, QC H5B 1A1
Support is also available through your online account dashboard, where you can message customer representatives securely.
Why the Walmart Credit Card Is Worth It?
The Walmart Credit Card gives you genuine value on your everyday spending. It combines strong cashback rewards, free delivery perks, and no annual fees—making it ideal for budget-conscious shoppers.
Applying takes only minutes, and with responsible use, you’ll see real savings each month. This card stands out as one of the most practical tools for saving more while shopping smarter.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Walmart Financial or Mastercard before applying or using the card.
