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What Credit Cards Can Be Used At Walmart In Canada?

Best Walmart Mastercard (and the better alternatives)

Cory Santos Credit card editor

Fact checked by Scott Birke

Looking for a Walmart credit card? Does a Walmart Mastercard earn you the best rewards for your needs? We compare these options to other credit cards to see what's the best fit for your budget needs and wants.

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With a Walmart credit card, you can earn and redeem in brick-and-mortar Walmart stores or at Walmart.ca.

Finding the right Walmart credit card depends on what kind of Walmart shopper and how much you spend at Walmart vs. other retailers. Canadians have no shortage of rewards cards to consider, and there are some other options might be more lucrative than the official Walmart Mastercards, depending on your shopping habits.

Best Walmart credit card options

Best Walmart credit card with easy approval

$45 Reward Dollars†

Welcome Bonus

$315

First Year Value

$270

Annual Value

Welcome Bonus: Earn up to $45 Reward Dollars when you spend $50 using the provided shopping pass†, make one purchase at Walmart and one purchase elsewhere†, and by going paperless†.

Apply Now On Fairstone Bank of Canada's Secure Site

The official Walmart Rewards™️ Mastercard® is a great way to begin saving instantly at Walmart stores across Canada. Its earn rate is strong considering its $0 annual fee: each purchase at any Walmart store (or Walmart.ca) earns 1.25% back in Walmart Reward Dollars. Purchases made elsewhere earn these rewards at a rate of 2%. Walmart Reward Dollars are redeemable online and at the register in any Walmart, where cardholders can simply tap their card and redeem as little as $5 instantly. Customers can also order a Walmart credit card for their spouse or partner at no extra charge and will get up to 25 Walmart Reward Dollars the first time they sign up.

Though its earn rates are good for such an accessible, no annual fee card, it does have a notable achilles heel: Reward Dollars can only be redeemed at Walmart itself, so it’s somewhat inflexible compared to regular cash back cards, which usually allow you to redeem your cash back directly against your card’s balance.

Best Walmart Mastercard for use at Walmart.ca

Walmart Rewards™ World Mastercard®

$45 Reward Dollars†

Welcome Bonus

$315

First Year Value

$270

Annual Value

Welcome Bonus: Earn up to $45 Reward Dollars when you spend $50 using the provided shopping pass†, make one purchase at Walmart and one purchase elsewhere†, and by going paperless†.

If you're someone who frequently shops online at Walmart.ca, grabbing the Walmart Rewards World Mastercard could be a smart move.

Picture this: every time you fill up your online shopping cart, you're earning more than double the rewards rates on your Walmart hauls (it's also a bit better on your gas purchases). Plus, imagine not fretting over the cost of a coffee maker breaking down shortly after purchase or the annoyance of unexpected foreign transaction fees during your travels. With the World Mastercard, you're covered with extended warranties and potentially no foreign transaction fees, among other perks. It's tailored for you, the savvy shopper who maximizes every dollar spent.

Choosing this card means you're looking beyond just rewards. You value the peace of mind that comes with additional protections on your purchases and the convenience of a card that matches your lifestyle and spending habits. It's about making your money and your rewards work harder for you. So, if your shopping list often leads you to Walmart and you enjoy the finer things in card benefits, the World Mastercard is your ally, ensuring every swipe or tap brings more value back into your pocket.

Best non-Walmart credit card with no annual fee

5% cash back

Welcome Bonus

$401

First Year Value

$276

Annual Value

Welcome Bonus: Get up to 5% cash back in your first 3 months and a 0.99% introductory interest rate on Balance Transfers for 9 months with a 2% transfer fee.† Expires Jun 01, 2025

Apply Now On BMO's Secure Site

The BMO CashBack® Mastercard® is the ideal fit for people who prefer not to pay an annual fee for their credit card and who shop a lot at Walmart Supercentres, where the Mastercard’s 3% (up to a monthly max of $500) cash back on groceries. Cash back can be redeemed against your card statement whenever you want, which is a particularly flexible policy.

That said, keep in mind that the card will earn a relatively meagre 0.5%* at regular Walmart discount stores, so it’s not such a boon unless you do the lion’s share of your Walmart shopping in Supercentres. If you find that you’re spending more than $500 per month on groceries it probably makes sense to pay an annual fee for an upper-tier card with a higher earn rate.

Disclosures:

  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best premium Walmart Mastercard

up to 10% cash back

Welcome Bonus

$1,025

First Year Value

$570

Annual Value

Welcome Bonus: Get up to 10% cash back in your first 3 months, $75 cash back bonus when you spend $25,000 in your first year, and the $120 annual fee waived in the first year†. Expires Jun 01, 2025

Apply Now On BMO's Secure Site

The BMO CashBack® World Elite®* Mastercard®* has an amped-up 5% cash back rate for up to $500 spent on groceries per month* (i.e., up to $25 in cash back per month). Those who max out that monthly limit at Walmart Supercentres can earn up to $300 in cash back over the course of a year, which is way more than double the card’s $120 (annual fee waived in the first year*).

Unfortunately its base cash back earn rate, which will apply to regular Walmart stores, is only 1%*. That said, its welcome offer is among the strongest offered by any cash back card in Canada, and items you buy with the card benefit from some of the best extended warranty and purchase protection coverage offered by any credit card in Canada as well.  

Disclosures:

  • *Terms and conditions apply.
  • BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best Amex for use at Walmart with no annual fee

bonus 5% back

Welcome Bonus

$438

First Year Value

$338

Annual Value

Welcome Bonus: Earn a bonus 5% cash back on purchases in your first 3 months (up to $2,000 in purchases).

Apply Now On American Express' Secure Site

The regular SimplyCash® Card from American Express (not to be confused with the SimplyCash® Preferred Card from American Express below) works well for saving money at Walmart or any of the other Canadian stores where Amex cards are accepted.  

Earn 2% cash back on eligible gas purchases in Canada, 2% cash back on eligible grocery purchases in Canada (up to $300 cash back annually), and 1.25% cash back on all other eligible purchases. Though this makes it even with the Walmart’s Mastercard at Walmart stores, unlike the official Walmart card, the cash back you earn with this Amex card can be redeemed directly against your card balance. SimplyCash® Card from American Express cardholders will also appreciate that the card has no annual fee.

Though the insurance benefits for the standard SimplyCash® Card from American Express aren’t as impressive as the insurance benefits for the Preferred card version, you’ll still get coverage for travel accidents, as well as extended warranties and insurance on newly purchased items.

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best Walmart credit card from American Express

bonus 10% cash back

Welcome Bonus

$742

First Year Value

$492

Annual Value

Welcome Bonus: Earn a bonus 10% cash back on purchases in your first 3 months (up to $2,000 in purchases).

Apply Now On American Express' Secure Site

Though its annual fee of $119.88 is on the higher end, the earn rate makes it easy to earn this much and more in one year. Earn 4% cash back on eligible gas station purchases in Canada, 4% cash back on eligible grocery store purchases in Canada (up to $1,200 cash back annually) and 2% cash back on all other purchases. Add in a suite of comprehensive travel insurance and shopping coverage and this Amex card really starts to look like “the complete package.”

Disclosures:

  • Contact American Express for the most up-to-date referral bonus figures.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Best Walmart Mastercard with no foreign exchange fees

$324

First Year Value

$0

Annual Value

Apply Now On Rogers Bank's Secure Site

The Rogers Red World Elite® Mastercard® has a high 1.5% flat cash back rate on all purchases in Canadian dollars, which makes it a great option for earning back at regular, non-Supercentre Walmart stores in Canada. Its 3% cash back on USD purchases also makes it ideal for snowbirds who shop at any Walmart store in the United States. This means that while you travel (or shop online at foreign eCommerce retails that accept US dollars), you’ll earn 0.5% above the universal 2.5% foreign transaction fees.

For such a comprehensive cash back deal, it’s surprising that the card has no annual fee. The cash back you earn is more flexible than Walmart’s Mastercard as well, as it can either be redeemed as a statement credit once yearly, or on-demand via the Mastercard app Pay with Rewards. A cherry on top comes in the form of a nice insurance package, which includes coverage for new purchases, rental vehicles, emergency medical needs and trip interruption and cancellation.

Just remember that the card’s annual income requirements can be prohibitive. It also has a rare annual $15,000 spending requirement just to maintain eligibility for the card; spend less than that and your card may be cancelled or demoted to another Rogers card with less favourable cash back rates.

Walmart top tip: Price matching

Walmart Canada has a price matching policy. If you find a lower advertised price on an identical product, they'll match it. It's like being able to shop at multiple stores without leaving Walmart.

What credit cards does Walmart Canada accept?

Walmart is a flexible retailer in that all credit and debit cards are accepted in any of its stores, including Visa, Amex, and Mastercard. Though there was a minor dispute between Visa and Walmart Canada in 2017 over interchange fees, the situation has since been resolved. Visa was briefly banned in some stores in Ontario, but the companies reached a compromise that saw the return of Visa as an accepted payment method at any Walmart in Canada.

Here's a full rundown of the credit card types Walmart Canada accepts:

  • Visa: The everywhere-you-want-to-be card is definitely welcome at Walmart. It's like the popular kid at school – everyone knows it, everyone accepts it.
  • Mastercard: Another heavyweight in the credit card world, Mastercard is as welcome at Walmart as poutine at a Canadian picnic.
  • American Express: Yep, the Green Card (and all its colorful siblings) gets the green light at Walmart too. It's like bringing your fancy friend to a casual party – totally cool.
  • Walmart Rewards Mastercards: Walmart's very own plastic fantastic! It's like having a VIP pass to savings, but without the velvet rope.
  • Discover: While not as common in Canada, if you've got one, Walmart will usually welcome it with open arms (and open cash registers).
  • Interac debit: Okay, not technically a credit card, but worth mentioning. It's like bringing cash to the party, but without the bulky wallet.

Walmart has been spreading across Canada since it first crossed the border in 1994. As of 2025, Walmart operates over 400 stores across the country, serving an impressive 1.5 million customers everyday.. We're talking a mix of Supercenters (the big kahunas with groceries and all) and your classic Walmart stores.

But Walmart is far more than just 400 physical stores. The Walmart Canada online presence continues to grow, with record profits year-over-year as Canadians continue to flock to the Arkansas-based retail giant. 

In a 2024 study, Walmart Rewards ranked seventh in the Affection Index, showing that shoppers are developing quite the crush on this retail giant. The only Canadian credit card rewards programs that outscored Walmart Rewards were PC Optimum (1st place), Metro's moi program (third) and BMO AIR MILES (fifth). 

Walmart, like other major Canadian corporations (we're looking at you Canadian Tire) Walmart is actually a collection of brands:

  • Great Value: The MVP of Walmart's own-brand lineup! It's like the Swiss Army knife of store brands – versatile, reliable, and always there when you need it. From groceries to household essentials, Great Value's got your back without breaking the bank.
  • Equate: Walmart's health and beauty sidekick! It's like having a personal care fairy godmother, but instead of a wand, she's got affordable shampoos, vitamins, and band-aids. 
  • George: The fashion-forward member of the Walmart clan! It's like having a stylist in your shopping cart, offering trendy threads for the whole family without the designer price tag. 
  • Parent's Choice: From diapers to baby food, it's got new parents covered.
  • Mainstays:  Furniture, decor, and all those little things that make a house a home, without making your wallet cry.
  • Ol' Roy: The tail-wagging treat for your four-legged friends! Named after Sam Walton's beloved hunting dog, it's like giving your pup a piece of retail history with every bite.
  • Pen+Gear: The superhero of school and office supplies! It's like having a personal assistant for all your writing, organizing, and doodling needs, minus the coffee runs and scheduling conflicts.
  • Onn: Walmart's tech-savvy cousin! It's like having a gadget guru in your pocket, offering everything from headphones to tablets without the need for a second mortgage. High-tech meets low price – now that's a smart combo!
  • Ozark Trail: The outdoorsy adventurer of the bunch! It's like having a wilderness guide, but instead of leading you through the forest, it's leading you to great deals on camping and outdoor gear. Happy trails, indeed!
  • Special Kitty: The feline-friendly member of the family! It's like catnip for your budget, offering everything your whiskered overlord demands without hissing at your wallet.

Is Walmart considered a grocery store by credit cards?

Though you can use a Visa, Amex, or Mastercard to make purchases at all Walmart stores, Visa and Amex don’t categorize any type of Canadian Walmart as a grocery store. Reports from shoppers indicate Mastercard is the only card processor that treats Walmart Supercentres as grocery stores (Merchant Category Code 5411), though it still treats ‘regular’ Walmart locations as warehouses/wholesale stores.

Why is this important? If you shop frequently at Walmart Supercentres you can pile up a heap of rewards/cash back by paying with a Mastercard that has a high grocery earn rate. But if you tend to shop at regular Walmart stores it makes more sense to go with a credit card that has a high base earn rate on all purchases.

Learn more about Merchant Category Codes (MCCs) and how to use them to your benefit.

Pros and cons of a Walmart credit card

Pros
  • Many no fee options: Most Walmart credit cards in Canada don't charge an annual fee.
  • Welcome bonuses: Many Walmart credit cards offer decent welcome bonuses that can help you quickly accelerate your savings upon opening an account.
Cons
  • Walmart Rewards are minimal: While the dedicated Walmart credit cards allow you to earn points on Walmart purchases, the earn rates aren't impressive.
  • Limited use outside Walmart: The Walmart Rewards credit cards might not earn as many points on purchases outside of Walmart, limiting their value.
  • Basic insurance: Walmart credit cards provide average insurance benefits but better coverage can be found elsewhere.

Summary of Walmart credit card picks

Walmart credit card Fees and details Get started
Walmart Rewards™️ Mastercard® Annual fee: $0
Income requirement: $12,000
Rewards/Cash Back at Walmart: Up to 1.25%
Apply now
Walmart Rewards™️ World Mastercard® Annual fee: $0
Income requirement: $100,000 household
Rewards/Cash Back at Walmart: Up to 3% 		Apply now
BMO CashBack® Mastercard®* Annual fee: $0
Income requirement: $15,000
Rewards/Cash Back at Walmart: Up to 3% 		Apply now
BMO CashBack® World Elite®* Mastercard®* Annual fee: $120 (annual fee waived in the first year*)
Income requirement: $80,000
Rewards/Cash Back at Walmart: Up to 5%* 		Apply now
SimplyCash® Card from American Express Annual fee: $0
Income requirement: n/a
Rewards/Cash Back at Walmart:1.25% 		Apply now
SimplyCash® Preferred Card from American Express Annual fee: $119.88 ($9.99 per month. Additional cards are free.)
Income requirement: n/a
Rewards/Cash Back at Walmart: 2% 		Apply now
Rogers Red World Elite® Mastercard®
Annual fee: $0
Income requirement: $80,000 personal, $150,000 household
Rewards/Cash Back at Walmart:1.5% cash back 		Apply now

Walmart top tip: Plan your purchases and save

Ever notice how certain items go on sale at specific times at Walmart? That's no coincidence! For example, electronics often get marked down in January (post-holiday clear-out), and outdoor gear usually goes on sale as summer winds down.

Walk out of Walmart with more savings

Walmart shoppers are consummate bargain hunters, and the easiest way to save an extra 1%–5% on top of Walmart’s super-low prices is to pay with the right credit card. Just remember the following:

  1. 1 Walmart’s own credit cards are great for saving on Walmart purchases, but the rewards they earn are less flexible than what you’ll get from standard cash back cards.
  2. 2 All Canadian credit cards are accepted at Walmart, but not all card processors categorize Walmart stores in the same way.
  3. 3 When shopping at Walmart Supercentres it’s smart to use a Mastercard with a high earn rate on groceries.
  4. 4 When shopping at regular Walmart discount stores it’s smart to use any credit card with a high base earn rate on all purchases.

Choosing a Walmart credit card in Canada depends on your personal taste and financial appetite. If you're a frequent Walmart shopper and always pay your balance in full, it could be a match made in retail heaven. But if you tend to carry a balance or don't shop at Walmart often, you might want to swipe left on this card option.

Remember, the best credit card is the one that fits your lifestyle like your favorite pair of jeans – comfortable, practical, and doesn't leave you feeling squeezed at the end of the month. So, weigh those pros and cons carefully, and may your financial decisions be as wise as your bargain-hunting skills!

Walmart Mastercard FAQs

  • What are the benefits of the Walmart Rewards™ Mastercard® in Canada?

    +

    The Walmart Rewards™ Mastercard® offers several benefits to Canadian shoppers:

    No Annual Fee: Cardholders are not required to pay an annual fee.

    Rewards Program: Earn higher cash back in Walmart Reward Dollars on purchases made at Walmart stores and Walmart.ca. Purchases made elsewhere earn a lower rate of cash back.

    Welcome Bonus: New cardholders can receive a bonus in Walmart Reward Dollars upon meeting specific spending criteria.

  • How can I redeem Walmart Reward Dollars earned with the Walmart Rewards™ Mastercard®?

    +

    Walmart Reward Dollars accumulated with the Walmart Rewards™ Mastercard® can be redeemed in the following ways:

    In-Store: Inform the cashier at checkout that you'd like to apply your Reward Dollars to your purchase. Redemptions can be made in $5 increments.

    Online: When shopping on Walmart.ca, sign in to your account and select your Walmart Rewards™ Mastercard® as the payment method. During checkout, you'll have the option to apply your available Reward Dollars to your order.

    This flexibility allows cardholders to easily use their rewards for a variety of products available at Walmart.

  • Are there alternative credit cards that offer better rewards for shopping at Walmart in Canada?

    +

    Yes, there are alternative credit cards that may offer more lucrative rewards for shopping at Walmart in Canada, depending on your spending habits:

    BMO CashBack® Mastercard®: This no-annual-fee card offers cash back on grocery purchases, which can be beneficial if you shop at Walmart Supercentres that are categorized as grocery stores. However, it's important to note that regular Walmart discount stores may not be classified as grocery stores, resulting in a lower cash back rate for those purchases.

    SimplyCash® Card from American Express: This card provides cash back on eligible gas and grocery purchases (up to a certain annual limit) as well as cash back on all other purchases. Acceptance of American Express cards at Walmart stores may vary, so it's advisable to confirm with your local store.

    These alternatives can be more rewarding for consumers who spend significantly on groceries and other categories, but it's essential to consider factors like store acceptance and how Walmart is categorized by the credit card issuer.

Sources

Cory Santos Credit card editor

Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.

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