Can You Use a Walmart Credit Card Anywhere?

Last Updated on 09/02/2020 by GS Staff

[otw_shortcode_dropcap label=”Q: ” size=”large” border_color_class=”otw-no-border-color”][/otw_shortcode_dropcap] Can you use a Walmart credit card anywhere?

[otw_shortcode_dropcap label=”A: ” size=”large” border_color_class=”otw-no-border-color”][/otw_shortcode_dropcap] Walmart offers two choice for their credit cards. You can obtain the Walmart Rewards Card or the Capital One Walmart Rewards MasterCard.

The Walmart Rewards Card can only be used at Walmart owned stores. These stores include Walmart,, and Murphy USA gas stations.

The Walmart MasterCard can be used anywhere that MasterCard is accepted. This may include Walmart, Amazon, gas stations, or wherever else you can use MasterCard.

APR & Fees

Below we have provided the APR and fees associated with the Walmart Rewards Card and the Walmart Rewards MasterCard.

Credit CardCapital One Walmart Rewards MasterCardWalmart Reward Credit Card
Annual Percentage Rate (APR) Purchase Transactions17.99%, 23.24%, or 26.99% based on creditworthiness. Variable rate. 26.99%. Variable rate.
Cash Advance APR26.99% (Variable) Does Not Apply
Grace PeriodDue date is at least 25 days after the close of each billing cycle.Due date is at least 25 days after the close of each billing cycle.
Late FeeUp to $39.00Up to $39.00
Cash Advance Fee3% of the cash advance (not less than $10.00)Does Not Apply
Annual Fee$0$0


While the Walmart credit cards might feature a higher than average APR for certain cardholders, the cards do come with some perks. Below we have listed some of the main benefits that come with the cards.

  • 5% back on & Walmart app, Grocery Pickup and Delivery
  • 2% back at Walmart stores, Walmart & Murphy USA Fuel Stations
  • 2% Restaurants & Travel (for Walmart Mastercard only)
  • 1% back anywhere Mastercard is accepted (for Walmart Mastercard only)


Image – Mike Mozart via flickr