Capital One Walmart Rewards® Mastercard®
Basic Information
Program ID: walmart
Issuer: Capital One
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 11:57
Last Scraped: 01/15/2026 06:50
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $200.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: N/A - No dedicated Capital One Walmart program for 2026
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: No dedicated Capital One Walmart rewards program exists for 2026. The Capital One Walmart Rewards Mastercard was discontinued. Walmart purchases on general Capital One cards typically earn their base rate (e.g., 1x-2x miles or 1.5% cash back) unless a specific card's bonus category (like groceries for SavorOne, which usually excludes superstores) applies.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - Program does not exist. For general Capital One cards, points/miles do not expire as long as the account is active.
Transfer Partners: N/A - Program does not exist. For general Capital One cards, transfer partners vary by card (e.g., Venture X offers numerous airline and hotel partners).
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Capital One Walmart Rewards Mastercard is expected to offer a sign-up bonus, typically a statement credit (e.g., $50-$100) after spending a specified amount (e.g., $200-$500) within the first 3 months of account opening. Eligibility requirements include being at least 18 years old, a U.S. resident with a valid SSN or ITIN, and meeting Capital One's creditworthiness criteria (generally good to excellent credit for the Mastercard version, fair to good for a potential store-only variant). Capital One is known for an unofficial 'one-card-per-6-months' application rule, meaning applicants who have opened another Capital One card recently may be denied. They also consider the number of recent credit inquiries and new accounts across all issuers, though less strictly than Chase's 5/24 rule. Existing Capital One cardholders are subject to internal limits on total credit extended and the number of active accounts.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, rapid accumulation of credit across multiple issuers, high credit utilization, bust-out risk, frequent balance transfers or cash advances without clear repayment, and abuse of promotional offers or return policies. Capital One is particularly sensitive to patterns indicating potential fraud or high-risk behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong rewards for frequent Walmart shoppers, especially online. No annual fee is a plus. Versatile as a Mastercard.
Top Negative Feedback:
Rewards outside of Walmart are less competitive. Can be difficult to maximize value if not a primary Walmart shopper.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Capital One Quicksilver Cash Rewards Credit Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $360.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% Walmart (online/in-store) / 40% General Spend
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0