Maximize Your Savings: Best Credit Cards for Walmart Shoppers

Walmart is a go-to destination for many shoppers across the United States, offering everything from groceries and household essentials to clothing and electronics at competitive prices. But did you know that by using the right rewards credit card, you can maximize your savings even further? By earning cash back and other benefits, you can make your shopping experience at Walmart even more rewarding. In this article, we’ll highlight the best credit cards for Walmart purchases and how to enhance your earnings through online shopping portals.

Top Credit Cards for Walmart Purchases

1. OnePay CashRewards Card
– Walmart Benefits: Earn 5% cash back on Walmart purchases when you’re a Walmart+ member; otherwise, earn 3%.
– Current Welcome Offer: Get $35 cash back after spending $75 within the first 30 days of opening your account.
– Standout Perks: This card is ideal for frequent Walmart shoppers, especially with the 5% cash back for Walmart+ members. Outside of Walmart, earn 1.5% cash back on all other purchases. Cash back is redeemable as OnePay points, which can be converted into cash or statement credits.

2. American Express Platinum Card
– Walmart Benefits: Up to $155 in statement credits annually for Walmart+ membership, which includes free grocery delivery and more.
– Current Welcome Offer: Potentially earn up to 175,000 bonus points after spending $8,000 within the first six months.
– Standout Perks: This premium card offers multiple statement credits and valuable travel benefits, making it a strong choice for those who shop at Walmart and travel frequently.

3. Chase Freedom Flex
– Walmart Benefits: Offers rotating 5% bonus categories each quarter, which often includes Walmart.
– Current Welcome Offer: Earn $200 cash back after spending $500 in the first three months.
– Standout Perks: This no-annual-fee card provides cellphone protection and other benefits, making it a versatile option for everyday spending.

4. Capital One Venture Rewards Card
– Walmart Benefits: Earn 2 miles per dollar on all purchases, including Walmart.
– Current Welcome Offer: Earn 75,000 bonus miles after spending $4,000 in the first three months.
– Standout Perks: Enjoy unlimited miles on every purchase, along with travel-related perks like no foreign transaction fees and credits for Global Entry or TSA PreCheck.

5. Citi Double Cash Card
– Walmart Benefits: Earn 2% cash back on all purchases (1% when you buy and 1% when you pay).
– Current Welcome Offer: Get $200 cash back after spending $1,500 within the first six months.
– Standout Perks: This straightforward card is perfect for those who want to earn cash back without complicated categories.

6. Walmart Rewards Card
– Walmart Benefits: Earn 6% cash back at two retailers of your choice, including Walmart, on up to $1,500 in eligible spending each quarter.
– Annual Fee: $0 for the first year, then $95.
– Current Welcome Offer: $250 bonus after spending $2,000 in the first 120 days.
– Standout Perks: Choose two retailers to earn higher cash back, making it a flexible option for regular Walmart shoppers.

Choosing the Right Card

When selecting a credit card for Walmart purchases, consider how each card categorizes Walmart. Some cards may classify Walmart as a grocery store, while others may categorize it as a discount or wholesale store. This classification can significantly impact your earnings, so it’s essential to choose a card that aligns with your shopping habits.

Before applying for any credit card, check your credit score to ensure it meets the requirements. Most cards that offer bonus rewards at Walmart typically require a score of at least 670. Additionally, look for prequalification options, such as with the OnePay CashRewards Card, which allows you to check your eligibility without affecting your credit score.

Enhancing Your Rewards with Shopping Portals

To maximize your savings even further, consider using online shopping portals like Rakuten. These platforms offer cash-back opportunities for specific retailers, including Walmart. When you log in and click on an offer, you’ll be redirected to Walmart’s website, where your purchases will be tracked for cash-back rewards.

For example, Rakuten often provides around 2% cash back for Walmart purchases, which can be combined with your credit card rewards for substantial savings. Using a shopping portal aggregator like Cashback Monitor can help you find the best cash-back rates available.

Conclusion

If you frequently shop at Walmart, utilizing one of the credit cards mentioned above can significantly enhance your savings and rewards. By combining credit card bonuses with online shopping portals, you can maximize your cash back and enjoy additional perks. Whether you’re looking for straightforward cash back or more complex rewards, there’s a card out there that suits your shopping style. Happy shopping!