Walmart runs on Oct. 5-11 this year for its Deal Days sale, and the right credit card can stack rewards on top of the discounts — sometimes in the form of airline miles rather than plain cash back. The Points Guy has rounded up six cards worth considering, and the short version is this: how you shop at Walmart (in store vs online, weekly groceries vs occasional big-ticket buys) should decide which one you get.
The standout for regular Walmart shoppers is the OnePay CashRewards Mastercard. It earns 5% back on Walmart purchases with a Walmart+ membership, or 3% without, plus 1.5% on everything else. There's no annual fee, and a welcome offer of $35 cash back plus 3% on non-Walmart purchases in the first 90 days runs through Dec. 31.
If you actually want travel value rather than cash, two cards are worth a look. The Capital One Venture Rewards earns a flat 2 miles per dollar everywhere, including Walmart, with a 75,000-mile welcome bonus after $4,000 spend in three months and a $300 credit on Capital One Travel bookings — handy for a big electronics purchase or holiday haul. The Chase Freedom Flex is the wildcard: its rotating 5% quarterly categories sometimes include Walmart (capped at $1,500 per quarter), and its cash back can be converted into transferable points if you pair it with a premium Chase card like the Sapphire Preferred — effectively turning grocery runs into flights and hotels.
The American Express Platinum takes a different route: instead of rewarding the purchases themselves, it covers a Walmart+ membership with up to $155 a year in statement credits, unlocking free grocery delivery on orders over $35, free shipping and gas discounts. At a steep $895 annual fee it only makes sense if you'll use its wider lounge, hotel and dining credits too.
Rounding out the list are the no-annual-fee Citi Double Cash (a simple 2% back, split 1% at purchase and 1% at payment) and the Amex Blue Cash Everyday, which earns 3% on eligible online retail purchases at Walmart.com up to $6,000 a year — though in-store Walmart buys only earn 1%.
One catch the piece flags: Walmart usually doesn't code as a supermarket, so cards promising bonus grocery rates often pay only base rewards there. A flat-rate card can beat a category card at the checkout. And whatever card you use, clicking through a shopping portal like Rakuten first can layer extra rewards on top — check Cashback Monitor to compare current rates before you buy.
