Walmart Store Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Walmart Store Card4.6/5

Walmart

Annual fee
$0
Rewards rate
5%-1.5%
Welcome Bonus
$35
Apply Now →on Walmart's website
Regular APR:18.99%-29.99% Variable APR

  • 5%Cash back at Walmart with Walmart+ membership
  • 1.5%Cash back on all other purchases

Welcome Bonus:

New cardholders earn a $35 cash back welcome bonus when approved for a OnePay CashRewards Card and spend at least $75 in purchases within the first 30 days of account opening.

Reward Rate:

As a Walmart+ member you'll earn 5% cash back at Walmart and 1.5% on all other purchases.

APR:

18.99%-29.99% Variable APR

What sets the Walmart Store Card apart is its high cash back rate for Walmart+ members, making it an excellent choice for those who frequently shop at Walmart. The card's no annual fee and welcome bonus further enhance its appeal, providing immediate value to new cardholders.

Pros:

  • No annual fee
  • High cash back for Walmart+ members

Cons:

  • High variable APR
  • Limited to Walmart purchases for maximum rewards
Apply now →

The Walmart Store Card is best suited for individuals who regularly shop at Walmart and are looking to maximize their rewards, particularly Walmart+ members who can benefit from the higher cash back rate. With no annual fee and a welcome bonus, it offers immediate value for frequent Walmart shoppers.

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