Credit score for walmart capital one card

Offer status

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Walmart has had its own store credit card for years, but recently, the retail giant decided to team up with Capital One for a new and improved version of its rewards card. The Capital One® Walmart Rewards™ Mastercard® comes with an updated rewards rate and some benefits we don't often see with store cards, so it could be a valuable option if you like to shop at Walmart.

Great for: Walmart shoppers

Rating image, 3.50 out of 5 stars.

Credit Score:
Good (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

17.99% - 26.99%, , variable

Rewards Info IconCircle with letter I in it. 5% back on purchases online at Walmart, including Grocery Pickup and Deliver, 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, 1% back on other eligible purchases

1% - 5% back

Welcome Offer Info IconCircle with letter I in it. 5% back on in-store purchases for the first 12 months

5% back

• A compelling offer for Walmart fans, but not a fit for anyone seeking a one-card wallet with versatile rewards

• • Big Walmart rewards
  • No annual fee
  • Consumer and travel protections
  • No foreign transaction fee
  • No intro APR offer

• • Earn unlimited rewards every day, everywhere on purchases in and out of Walmart
  • Earn unlimited 5% back on purchases online at Walmart, including Grocery Pickup and Deliver
  • Earn unlimited 2% back on purchases in Walmart stores, 2% back on restaurants and travel purchases, and 1% back on all other purchases everywhere else Mastercard® is accepted
  • Introductory offer: Earn 5% back on purchases in Walmart stores when you use this card for Walmart Pay for the first 12 months after approval
  • Redeem rewards to cover recent purchases, or redeem for travel, gift cards, statement credits and more
  • $0 annual fee
  • No foreign transaction fees

This credit card is a good fit for: Walmart shoppers who visit the store at least once a month and want to earn bonus cash back there.

Top perks

Diverse cash back program: Cardholders receive 5% back on Walmart.com purchases, including grocery pickup and delivery, as well as in-store purchases made through the Walmart Pay app, although the app rate promo is only for the first 12 months (2% thereafter). Travel and restaurants earn 2% back. Other purchases earn at the base rate of 1% back.

No annual fee: Cardholders can harvest the full value of rewards earned by avoiding an annual fee.

Price protection: If you purchase a new item and find it for a lower price within 120 days, you may be reimbursed for the difference.

Extended warranty coverage: This automatically doubles the original manufacturer's warranty and store brand/purchased warranty when each is 24 months or less, for a total of up to 48 months.

Rental car insurance: With MasterRental Insurance, you're covered against damage to rental vehicles, including physical damage and theft.

Baggage delay insurance: If your baggage is delayed by four hours or longer on a covered trip, this coverage will reimburse you for emergency purchases of essential items.

Trip cancellation/interruption insurance: If your trip is canceled or interrupted because of a covered accident or illness, your Walmart credit card can reimburse you for the unused, non-refundable portion of your common carrier passenger fare.

No foreign transaction fee: Cardholders can use this card in other countries without paying extra fees on each swipe.

Learn more: Best No Foreign Transaction Fee Credit Cards

• If you want a higher cash back rate on all U.S. supermarkets: The Blue Cash Preferred® Card from American Express gets you 6% cash back at U.S. supermarkets on up to $6,000 of annual spending, which is about as generous as it gets if you spend a lot on groceries. You'll also get 3% cash back at U.S. gas stations and you can earn a big statement credit welcome offer (terms apply for the welcome offer and rewards). In exchange for sky-high cash back rates, you do have to pay a $95 annual fee (see rates and fees), so do the math to make sure your spending justifies the fee.
• If you want generous flat-rate cash back on purchases: If you prefer a card with no annual fee, or don't spend a lot on groceries, the Citi® Double Cash Card – 18 month BT offer earns a flat rate of 2% cash back -- 1% on purchases and 1% when you pay your bill. It also comes with a generous balance transfer offer for those who are paying off debt.

Learn more: Best Grocery Credit Cards

As of Oct. 03, 2022

Blue Cash Preferred® Card from American Express	Citi® Double Cash Card – 18 month BT offer
Rating image, 5.00 out of 5 stars. 5.00 stars Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor	Rating image, 5.00 out of 5 stars. 5.00 stars Info IconCircle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
Read Full Review	Read Full Review
Rates & Fees
Credit Rating Requirement: Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.	Credit Rating Requirement: Good/Excellent (670-850) Info IconCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Welcome Offer: Welcome Offer info Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. $350	Welcome Offer: Welcome Offer info Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. $200 cash back
Rewards Program: Info IconCircle with letter I in it. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. 1% - 6% cash back	Rewards Program: Info IconCircle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay Up to 2% cash back
Intro APR: Purchases: 0%, 12 months Balance Transfers: 0%, 12 months	Intro APR: Intro APR Tooltip N/A Purchases: N/A Balance Transfers: 0%, 18 months
Regular APR: 16.99%-27.99% Variable	Regular APR: 16.99% - 26.99% (Variable)
Annual Fee: $95	Annual Fee: $0
Highlights: Earn a $350 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 16.99%-27.99%. Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 Plan It fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a fixed monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $13.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required. $95 Annual Fee. Terms Apply.	Highlights: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Apply Now for Blue Cash Preferred® Card from American Express On American Express' Secure Website. Terms apply	Apply Now for Citi® Double Cash Card – 18 month BT offer On Citi's Secure Website.
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What could be improved

Limited 5% promo cash back rate: The credit card would have more versatility if the 5% cash back rate lasted beyond 12 months for in-store purchases.

No 0% intro APR: Cards intended for routine shopping are more valuable when offering a 0% intro APR on purchases.

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Suggested credit score

This credit card is right for you if:

Do you spend at least $100 at Walmart per month? If so, you should apply for this credit card.

However, you will have a decision to make after you've had the card for a year. At that point, the card will earn you only 5% back on Walmart.com purchases. That works if you can make the majority of your Walmart purchases through the website, but if not, you should look at other cash back credit cards with more diverse bonus categories.

Although you can redeem your rewards for travel through Capital One, this isn't a travel card. If travel benefits are what you're after, you should check out travel rewards cards instead.

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