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Capital One® Walmart Rewards™ Mastercard®

Credit needed
Excellent, Good
APR
17.99%, 23.24%
Annual Fee
$0

Card Summary

The Capital One Walmart Rewards Mastercard allows frequent shoppers to stock up on reward points from purchases made at the retail giant.

You will receive 5% cashback at Walmart.com, 5% cashback on your first year of Walmart.com mobile payments, and then 2% for every subsequent year. There are also 2% cashback on travel and dining; and 1% on any other eligible purchases.

There is no foreign transaction fee and there are no annual fees.

Based on creditworthiness, the standard APR of Capital One Walmart Rewards Mastercard can be variable at 17.99%, 23.24%, or 26.99%.

Extended warranty protection, travel insurance and assistance services are some of the card benefits.

Card Summary - Cons

Rates and fees

Issuer Name
Capital One
Penalty APR
None
Credit Needed
Excellent, Good
Balance Transfer Fee
We may charge you a promotional interest of 3% for each balance transferred. Transfer balances at the Transfer APR are exempted from this charge.
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 3%, depending on the cash advance amount.
APR
17.99%, 23.24%
Foreign Transaction Fee
N/A
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Here’s a smart way to pay off

Capital One

The Best Features

Reward Program: Walmart.com will give you 5% cashback; 5% on your first year of Walmart.com mobile payments, Walmart Pay; 2% on each subsequent year; 2% on travel and dining; and 1% on any other eligible purchases.

Flexible redemption options: Capital One Walmart rewards, Mastercard rewards can be redeemed at any time for statement credits, gift certificates, Walmart.com, or travel purchases.

Rewards

Sign up bonus

APR Requirements

Drawbacks

There is no introductory rate of 0%: The Capital One Walmart Rewards Mastercard does not offer a 0% APR on purchases and balance transfers.

Based on creditworthiness, the standard APR can be variable at 17.99%, 23.24%, or 26.99%.

High interest rates: customers who have poor credit may end up paying a steep interest rate. Based on creditworthiness, the variable APR for this card is 17.99%, 23.24%, or 26.99%.

Highlights

Walmart.com: Get 5% cash back, pickup or delivery. Get 2% cash back at Walmart, restaurants, and when you travel.

Accepted Mastercards: 1% Cashback, everywhere Else get 5% cash back in Walmart stores for the first 12 months after your approval.

You can redeem for cash. You can cover a purchase. You can redeem gift cards at Walmart and other retailers.

Benefits

The Capital One Walmart Rewards Mastercard offers many benefits, including:

Concierge service
Protection under an extended warranty
Travel accident insurance
Services for travel assistance
Zero dollar fraud liability coverage

Comparative Analysis with Other Cards

Capital One Walmart Rewards Mastercard vs. Amazon Rewards Visa Signature Card

Annual Fee: There is no annual fee for the card.

Reward: For the first year, the Capital One Walmart Rewards Mastercard earned 5% cashback at Walmart.com. The store's mobile wallet Walmart Pay gives 5% back, and then 2% for every subsequent year. There is also a 2% cash back offer on purchases made in-store. You can get 2% cash back on travel and dining, and 1% on any other purchases.

Amazon Rewards Visa Signature Card holders earn 3% cashback at Amazon.com, Whole Foods Market and gas stations, as well as 2% at restaurants and drugstores. All other purchases are eligible for 1%. Your earnings on Amazon.com/Whole Foods Market can jump up to 5% if you have an Amazon Prime Membership.

Sign up bonus: The Capital One Walmart rewards Mastercard does not offer a sign up bonus. After approval, the Amazon Rewards Visa Signature card offers a $60 Amazon.com gift card. After approval, the gift card's value will be increased to $100 if your Amazon Prime membership is eligible.

Benefits: Capital One Walmart Rewards Mastercard Benefits include travel accident insurance, concierge service, extended warranty protection and travel assistance.
Amazon Rewards Visa Signature Card customers have access to a variety of travel and purchase protection benefits, including an extended warranty protection and baggage reimbursement.

Capital One Walmart Rewards Mastercard Vs. Bank of America Cash Rewards credit cards

Annual Fee: There is no annual fee for the card.

Reward: For the first year, the Capital One Walmart Rewards Mastercard earned 5% cashback at Walmart.com. The store's mobile wallet Walmart Pay gives a 2% return, and then 5% for every subsequent year. 2% is given back on purchases made in-store. 2% on travel and dining; and 1% on any other purchases.

Bank of America Customized cash Rewards credit card offers 3% cashback in any category you choose, including gas, online shopping and travel. You also get 2% back from grocery stores and wholesale clubs. Each quarter cardholders earn 3% and then 2% on purchases up to $2,500, with an additional 1% each subsequent quarter.

Sign up bonus: The Capital One Walmart rewards Mastercard does not offer any sign-up bonuses. After you have made at least $1,000 of purchases within the first 90-days of opening your account, The Bank of America Customized cash Rewards credit card will give you a $200 bonus cash.

Benefits: Capital One Walmart Rewards Mastercard holders receive benefits like extended warranty protection and travel accident insurance. They also get travel assistance services, concierge service, and travel assistance. Bank of America Customized cash Rewards cardholders receive free monthly access to FICO credit scores and no fraud liability.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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Capital One