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Find the best Walmart credit cards without impacting your credit score

Apply with confidence. In under 60 seconds, CardFinder narrows down your top matches without impacting your credit score, no SIN required.

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Compare Canada's best Walmart credit cards

The best rewards cards for
  • all reward types
  • cash back
  • store credit
  • travel
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards

Food & transit


  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other

Purchase interest: 20.99%  |  Cash advance: 23.99%  |  Balance transfer: 23.99%

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Ratehub's top credit card picks

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Walmart credit cards overview

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Walmart Financial offers two no-fee credit cards in Canada, both of which earn Walmart Rewards Dollars when you spend at Walmart as well as everywhere else you shop.

The Walmart Rewards Mastercard

  • $0 annual fee
  • 1.25% in Walmart Dollars on all Walmart purchases (online and in-store
  • 1% in Walmart Dollars spent everywhere else
  • Income requirement: none

The Walmart Rewards World Mastercard

  • $0 annual fee
  • 3% on all purchases from 
  • 1.25% on all purchases made in-store at physical Walmart stores 
  • 1.25% at any gas station
  • 1% everywhere else
  • Income requirement: $100,000 as a household

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. 


Other Walmart Financial services

Besides Walmart's two credit cards, 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 Walmart credit cards 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 credit card, you have the option of getting an Extended Warranty Plan that protects all eligible Walmart credit card 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.

Mikael Castaldo, Senior Business Manager of Everyday Banking

Mikael is a Senior Business Manager at and the driving force behind our Everyday Banking Team. He knows everything there is to know about the best credit cards and bank accounts, and works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 1,200,000 monthly users get matched with the right plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at

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