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Walmart Rewards Guide

23 data points

Top 5 Credit Cards by Earning Rate at Walmart

U.S. BankShopper Cash Rewards Visa Signature
6% cash backWith Bonus Earning
BancorpPayPal Debit Card
5% cash backWith Bonus Earning
CitiThankYou Mastercard
3X ThankYou points
ChaseSapphire Preferred
3X Ultimate Rewards points
CitiShop Your Way Mastercard
3% cash back
Groceries

Date

2026-07-20fromFlyerTalkFlyerTalk

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 ThankYou Points

GroceriesOnline Purchase

Bank & Card

USA flag

Citi ThankYou Mastercardvia Walmart Scan & Go logoWalmart Scan & Go

Date

2026-03-09

Giftcard Purchased

Visa

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

300 USD3X

Rewards

900 ThankYou Points

Groceries

Bank & Card

Date

2026-02-26fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Groceries

Date

2026-02-25fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% (With Bonus Earning)

Rewards

5 Cash

Online PurchaseRetail

Date

2026-02-09fromDoctor of CreditDoctor of Credit

Giftcard Purchased

Walmart

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

500 USD2X

Rewards

1000 ThankYou Points

Online PurchaseRetail

Date

2026-02-02

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com/

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Retailer

Date

2026-01-15

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com/

Reward Details

Amount

Earning Rate

100 USD6% Cash Back (With Bonus Earning)

Rewards

6 USD

Online Grocery

Bank & Card

USA flag

Chase Sapphire Preferredvia Walmart Scan & Go logoWalmart Scan & Go

Date

2026-01-03

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

21.47 USD3X

Rewards

64.41 Ultimate Rewards Points

Superstores

Date

2025-09-30

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Wholesale Clubs

Date

2025-09-25

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Online Purchase

Date

2025-09-24

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

GroceriesOnline Purchase

Bank & Card

USA flag

Citi Shop Your Way Mastercardvia Walmart Scan & Go logoWalmart Scan & Go

Date

2025-09-24

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

49.23 USD3% Cash Back

Rewards

1476.9 Shop Your Way Points

Online Shopping

Bank & Card

Date

2025-09-22fromDoctor of CreditDoctor of Credit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Groceries

Date

2025-09-13fromRedditReddit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Groceries

Date

2025-09-13fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Online Shopping

Bank & Card

Date

2025-09-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD3% Cash Back (With Bonus Earning)

Rewards

1.5 USD

Groceries

Date

2025-09-10

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

80.39 USD3% Cash Back

Rewards

2.41 OneKey Cash

Online Grocery

Bank & Card

USA flag

Chase Sapphire Preferredvia Walmart Scan & Go logoWalmart Scan & Go

Date

2025-07-25fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Online Grocery

Bank & Card

USA flag

Chase Sapphire Preferredvia Walmart Scan & Go logoWalmart Scan & Go

Date

2025-07-25fromRedditReddit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X

Rewards

300 Ultimate Rewards Points

Supercenter

Date

2025-06-18

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Online Shopping

Bank & Card

Date

2025-05-09fromDoctor of CreditDoctor of Credit

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD

Other

Date

2024-11-07fromDoctor of CreditDoctor of Credit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1 USD

Online Retail

Date

2024-05-06fromDoctor of CreditDoctor of Credit

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD3% Cash Back

Rewards

3 USD


Quick Rewards Guide for Walmart

💡 Top Performing Card: The community-verified best credit card for Walmart purchases is the U.S. Bank Shopper Cash Rewards Visa Signature. Transactions on this card consistently earn 6% cash back (With Bonus Earning) by coding in the "Retailer" category.

🔍 Merchant Category Coding (MCC): Walmart transactions most frequently code as "Groceries" (or sometimes "Groceries, Online Purchase / Online Purchase, Retail / Retailer / Online Grocery / Superstores / Wholesale Clubs / Online Purchase / Online Shopping / Supercenter / Other / Online Retail"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Walmart, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Walmart code as on credit cards?

Based on community data points, Walmart transactions primarily code under the "Groceries" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Walmart?

The U.S. Bank Shopper Cash Rewards Visa Signature is highly recommended, as it has been verified to earn 6% cash back (With Bonus Earning) on Walmart. Any card offering 3% or more cash back (or 3x points) on "Groceries" purchases will also deliver excellent value.

Q:Does Walmart code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Walmart usually codes as "Groceries" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.