Walmart Rewards® Mastercard®

Capital One Mastercard Pending

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14

Benefits

6

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: walmart

Issuer: Capital One

Card Name: Walmart Rewards® Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 11:57

Last Scraped: Feb 06, 2026 13:35

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 6 Categories
PENDING
Category Rate Type Description Annual Cap Status
Walmart.com Purchases 5x Cash Back Purchases made at Walmart.com, including pickup and delivery. No Cap
Walmart In-Store Purchases 2x Cash Back Purchases made in Walmart stores. No Cap
Gas 2x Cash Back Purchases made at Walmart and Murphy USA gas stations. No Cap
Dining 2x Cash Back Restaurant purchases. No Cap
Travel 2x Cash Back Travel purchases. No Cap
All Other Purchases 1x Cash Back All other purchases not covered by higher reward rates. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% at Walmart.com (including pickup & delivery), 2% in Walmart stores, at Walmart gas stations, on travel, and at restaurants

Quarterly Rotating: No

Expiration Policy: Your cash back rewards don't expire for the life of the account.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $25 for statement credit or check.

Benefits & Protections (Detailed) 14 Total
PENDING
Dining 1
2% back on restaurant purchases
2% back

Earn 2% back on purchases made at restaurants.

Financial 2
No annual fee
No annual fee

Enjoy all the benefits of the Capital One Walmart Rewards Mastercard without paying an annual fee.

CreditWise from Capital One
Free access

Access your credit score and tools to help you monitor your credit, available for free to everyone, not just Capital One cardholders.

Lifestyle 1
Capital One Mobile App

Manage your account 24/7, pay your bill, view transactions, and set up alerts from your mobile device.

Security 5
Fraud coverage
$0 fraud liability

You're not responsible for unauthorized charges if your card is lost or stolen.

Account alerts

Get email or text alerts if Capital One detects unusual activity on your account.

Virtual Card Numbers

Generate a unique virtual card number for online purchases to help protect your actual card number from being compromised.

Security alerts

Get alerts for potential fraud and suspicious activity.

Card lock

Instantly lock your card from the Capital One Mobile app if it's lost or stolen.

Shopping 3
5% back at Walmart.com & in the Walmart app
5% back

Earn 5% back on purchases made at Walmart.com and in the Walmart app, including pickup and delivery.

2% back in Walmart stores & at Walmart Fuel Stations
2% back

Earn 2% back on purchases made in Walmart stores (excluding Walmart.com and the Walmart app) and at Walmart Fuel Stations.

1% back on all other purchases
1% back

Earn 1% back on all other purchases made everywhere else Mastercard is accepted.

Travel 2
2% back on travel purchases
2% back

Earn 2% back on purchases made for travel.

No foreign transaction fees
No foreign transaction fees

Use your card for purchases made outside the United States without incurring foreign transaction fees.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $0.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Promo Financing: Special Financing

Promo Duration: 6 months

⚠️ If you do not pay the full promotional balance by the end of the promotional period, interest will be charged from the purchase date.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Capital One Walmart Rewards Mastercard typically requires excellent/good credit (FICO score 700+), US residency, and a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Capital One generally restricts new card approvals to one every 6 months and may deny applications if you have opened too many accounts recently across all issuers. A common bonus for the Walmart card is a statement credit (e.g., $50-$100) after meeting a small spend threshold within the first 3 months, or enhanced rewards on initial Walmart purchases. Repeat bonuses for the same product may be restricted if you've held the card recently.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Capital One cards relative to reported income, rapid application for multiple credit cards (especially Capital One products), excessive credit inquiries, abuse of rewards or return policies, suspicious spending patterns (e.g., large, unusual purchases followed by immediate payments), or defaulting on payments.

Cliff Effect Rules: Capital One generally limits new card approvals to one every 6 months. There is a soft limit of typically 2-3 personal Capital One credit cards. While not a strict 'once per lifetime' bonus restriction like the Venture X, repeat bonuses on the same product may be denied if the card was held too recently. Capital One also considers the total number of new accounts opened across all issuers when evaluating applications.

Special Events: Black Friday/Cyber Monday sales, Walmart+ membership promotions, seasonal sales (e.g., Back-to-School, Holiday), exclusive cardholder discounts or early access to sales, and special financing offers on large purchases.

Holiday Promos: New Year's, Valentine's Day, Easter, Mother's Day, Father's Day, Independence Day, Back-to-School season (July-August), Halloween, Thanksgiving/Black Friday/Cyber Monday (November), Christmas/New Year's Eve (December).

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards for frequent Walmart shoppers, especially online purchases. Easy to manage through Capital One app and good for building credit.

Top Negative:
Rewards structure can be confusing, lower rewards outside of Walmart, some users report average customer service or limited credit line increases.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Capital One Platinum Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $220.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: March 2024