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Walmart.com Rewards Guide

6 data points

Top 5 Credit Cards by Earning Rate at Walmart.com

Bank of AmericaCustomized Cash Rewards
3% cash backWith Bonus Earning
CitiThankYou Mastercard
2X ThankYou points
CardlessBilt Obsidian Card
1X points
CitiShop Your Way Mastercard
1% cash backWith Bonus Earning
ChaseSapphire Preferred
1X Ultimate Rewards points

Walmart.com

USA

Online PurchasesRetail

Date

2026-07-28fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

Walmart

Purchase Type

🌐

Online Purchase

https://www.walmart.com

Reward Details

Amount

Earning Rate

100 USD2X

Rewards

200 ThankYou Points

Additional Notes

Confirmed in Doctor Of Credit - https://www.doctorofcredit.com/what-works-eligible-categories-for-the-citi-sears-card/#comment-2376711 - regular gift cards at Walmart.com worked for me, retail & onlineRead more

Walmart.com

USA

Discount store

Date

2026-02-12

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.walmart.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Bilt Points

Walmart.com

USA

Online PurchaseRetail

Date

2025-11-28fromDoctor of CreditDoctor of Credit↗

Giftcard Purchased

Retail

Purchase Type

🌐

Online Purchase

Reward Details

Amount

Earning Rate

10 USD1% Cash Back (With Bonus Earning)

Rewards

100 Shop Your Way Points

Additional Notes

Confirmed in Doctorofcredit - https://www.doctorofcredit.com/what-works-eligible-categories-for-the-citi-sears-card/#comment-2199597Read more

Walmart.com

USA

Wholesale Clubs

Date

2025-05-25fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.walmart.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1kb3l59/comment/mpryne3/Read more

Walmart.com

USA

Wholesale Clubs

Date

2025-05-25fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

www.walmart.com

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1kb3l59/comment/mpryne3/Read more

Walmart.com

USA

Online Shopping

Date

2025-01-30fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.walmart.com/

Reward Details

Amount

Earning Rate

50 USD3% Cash Back (With Bonus Earning)

Rewards

1.5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1ic2vy7/comment/m9n4i2t/Read more

Quick Rewards Guide for Walmart.com

💡 Top Performing Card: The community-verified best credit card for Walmart.com purchases is the Bank of America Customized Cash Rewards. Transactions on this card consistently earn 3% cash back (With Bonus Earning) by coding in the "Online Shopping" category.

🔍 Merchant Category Coding (MCC): Walmart.com transactions most frequently code as "Retail, Online Purchases" (or sometimes "Discount store / Online Purchase, Retail / Wholesale Clubs / Online Shopping"). 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.com, 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.com code as on credit cards?

Based on community data points, Walmart.com transactions primarily code under the "Retail, Online Purchases" 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.com?

The Bank of America Customized Cash Rewards is highly recommended, as it has been verified to earn 3% cash back (With Bonus Earning) on Walmart.com. Any card offering 3% or more cash back (or 3x points) on "Retail, Online Purchases" purchases will also deliver excellent value.

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

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