Compare Walmart Credit Cards

Canada’s biggest discount store and largest retailer now offers frequent shoppers the chance to get even more savings while they shop. The Walmart Rewards MasterCard is a rewards credit card that lets you earn “cash”, which can be redeemed for purchases made in stores. Take a look at how it works below.

Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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What type of rewards do you want to earn for every dollar you spend? Is cash back important to you? Would you prefer gift cards or store credit? What about free flights and hotels? Think about what's most important to you and what would help your budget the most, then look for the best cards to offer that reward. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. There are many different credit card reward programs available. If you have a preferred reward program, such as Aeroplan Miles, select your choice using the dropdown. Note that each card only uses one reward program. Enter the dollar amount you spend each month on your credit card. Edit your monthly spend by each spending category in the 'monthly spending by category' tab below.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you carry a balance on your credit card each month? This isn't how much you spend on your card, but how much you typically carry over into a new month. If so, write that amount here, so we can calculate how much interest you'll be charged.

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There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Some rewards credit cards have an annual income requirement. Enter either your personal or household annual income here, as it may affect which credit cards you are able to apply for.

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Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account. If you are currently carrying a balance on another credit card, you may want to take advantage of a balance transfer promotional offer with one of the credit cards listed below. Enter the amount you would transfer to the new card, to find out what the promotional interest rate and period are.

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Some credit cards come with an annual fee and some do not. The general rule for this is that the greater the rewards, the larger the annual fee. The annual fee is charged once per year and is added to your credit card statement. If you don't mind paying an annual fee, select I don't mind. If you'd prefer not to pay to use a credit card, select None. Do you have a preference of whether you want a Visa, MasterCard or American Express card? Select which network you'd prefer, or select "All" if you don't have a preference.
There are a number of lenders and companies that issue credit cards - and they aren't just financial institutions. If you would prefer to get a credit card from one specific credit card issuer, choose the one you want. Otherwise, select All banks. Most credit cards have a minimum credit score requirement. Select your credit score to filter your credit card results based on your credit score and which cards you are most likely to be approved for. If you aren’t sure what your credit score is, select “Not sure”, and your results will be filtered without taking your credit score in to account.
Monthly spending by category
Monthly spending by category

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Credit card Purchase Interest Rate Balance transfer rate Annual fee Net reward (1st year) Monthly interest fee Monthly interest fee Required deposit
19.89% $0 $195 Get details
For a LIMITED time only, you will receive a FREE gift card from RateHub.ca to Starbucks, Homesense/Winners, or Amazon.ca upon approval of this card. Click “Get details” for more info.
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Walmart credit card overview

Walmart Financial offers one credit card, the Walmart Rewards MasterCard, which lets you earn Walmart Rewards every time you use your card to make a purchase. When you use your card at Walmart stores, you earn 1.25% of your purchases; you can also earn 1% everywhere else you shop. Walmart Rewards are earned in dollar equivalents, not a point system, making it easier to know how much you have to redeem for purchases instantly at the cash register of any Walmart store. For example, if you spend $300 a month at Walmart and $800 a month everywhere else you shop, you would earn approximately $11.75 per month, or $141 per year in Walmart Rewards. These rewards can be redeemed in $5 increments and do not have an expiration date. The Walmart Rewards MasterCard also offers special introductory bonuses, such as $15 in Walmart Rewards for getting the card and $10 for choosing paperless monthly statements.


Other Walmart Financial services

Besides the Walmart Rewards MasterCard, Walmart Financial offers balance protection plans, extended warranty plans, product protection plans, gift cards, and provides money transfers in their stores through a partnership with Western Union.

Walmart Financial’s Balance Protection Plan for the Walmart Rewards MasterCard can cover your payments, should you become unemployed (through no fault of your own), disabled or you are hospitalized. Your entire balance would be paid off in case of critical illness (stroke, heart attack, cancer) or if you or your spouse passes away. Coverage is approximately $0.85 per $100 of your monthly statement balance (plus taxes), if you carry a balance of $25 or more.

For purchases made with your Walmart Rewards MasterCard, you have the option of getting an Extended Warranty Plan that protects all eligible Walmart Rewards MasterCard purchases for up to two additional years past the manufacturer’s warranty. This plan costs $3.99 per month (plus applicable taxes), in any month you carry a balance of $25 or more.

Walmart Financial also provides an optional Product Protection Plan for all purchases made in store or online that can replace a failed or damaged product for one to two years. The Product Protection Plan is available for general merchandise, including desktop computers, laptop computers, pre-paid
mobile phones and more.


More on Walmart Financial

Walmart Financial is a division of Walmart Canada Corp., owned by Walmart Stores, Inc., which was established in 1994. Walmart has over 9,000 discount retail stores in 28 countries, employs 2.2 million associates worldwide and serves more than 245 million customers each week. It is Canada’s largest retailers, next to Costco, Shoppers Drug Mart, Canadian Tire and Home Depot.


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