Best Walmart Credit Cards in Canada for 2025

Walmart is a big deal in Canada, and if you are one of the 1.2 million customers who shop there daily, the best Walmart credit cards can help you earn some real cash back.

Walmart Canada was established in 1994 and has more than 400 stores across the country. The retailer also has a strong online shopping presence through its Walmart.ca store.

Like Loblaws’ Real Canadian Superstore chain and its PC Financial Mastercard, Walmart also has its own branded Mastercard – Walmart Rewards Mastercard and Walmart Rewards World Mastercard.

In addition to Walmart Rewards Mastercard credit cards, you can shop using a credit card from any major credit card issuer, including Visa, Mastercard, and American Express, when shopping at the retailer.

This post covers some of the best credit cards for shopping at Walmart and earning rewards in 2025.

The Best Credit Cards For Shopping At Walmart

If you regularly shop at Walmart for groceries and other household purchases, these credit cards can help you rack up rewards. 

From no-fee credit cards to cards with annual fees, you can earn cash back or travel rewards from everyday spending.

Walmart Rewards Mastercard

The Walmart Rewards Mastercard offers a straightforward 1.25% earn rate for purchases at Walmart (online and in-store) and a 1% reward rate for purchases everywhere else.

The card has no annual fees and comes with up to a $25 welcome bonus as follows:

• $15 bonus after you make two qualifying purchases with your card (one purchase at Walmart and one purchase elsewhere)
• $10 bonus when you sign up for electronic statements

1 Walmart Reward Dollars is equivalent to $1 and can only be redeemed to pay for purchases at Walmart stores.

You can redeem your Walmart Reward Dollars starting at $5. Supplementary cards for other family members are free.

• Annual fee: $0
• Welcome bonus: Up to $25
• Maximum reward rate: 1.25%
• Income eligibility: $12,000
• Interest rates: 19.89% on purchases and balance transfers; 21.49% on cash advances

The Walmart Rewards Mastercard does not provide travel insurance coverage or purchase protection.

SimplyCash Card from American Express

This no-fee card offers a flat cash back rate of 1.25% on most purchases and up to 2% on groceries. Similar to the Tangerine credit card, there is no limit to the cash back you can earn.

New cardholders get a welcome bonus of 4% cash back in the first 6 months (up to $200 cash back). In addition to cash back rewards, you also enjoy purchase protection, extended warranty, and travel accident insurance.

• Annual fee: $0
• Welcome offer: 4% cash back for six months
• Maximum reward rate: 1.25% flat-rate
• Income eligibility: N/A
• Interest rates: 19.99% on purchases and 21.99% on cash advances

While American Express cards are not as widely accepted as Visa or Mastercard, the SimplyCash card has an enviable combination of rewards and insurance coverage for a no-fee card.

You can also learn about the card in this SimplyCash Card from American Express review.

Tangerine World Mastercard

The all-new Tangerine World Mastercard offers a similar cash back rate to the Tangerine Money-Back card, plus some VIP perks.

You earn 2% unlimited cash back in up to three different categories, including grocery shopping at Walmart Supercentres and 0.50% cash back on all other purchases.

This no-fee credit card offers the following perks:

• Access to more than 1 million Wi-Fi hotspots around the world
• Rental car collision/loss damage for up to 31 consecutive days
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey with access to VIP lounges in over 1,000 lounges worldwide
• Mobile device insurance up to $1,000
• 1.95% balance transfer rate for up to 6 months

If your personal annual income is $60,000 or higher, the Tangerine World Mastercard is a better option than its plain-vanilla alternative, and it also has $0 annual card fees.

Learn more about the card in this Tangerine World Mastercard review.

Tangerine Money-Back Credit Card

This no-fee credit card is one of the best cash back credit cards in Canada.

The Tangerine Money-Back card pays 2% cash back on up to three categories of spending, including groceries at Walmart and 0.50% on every other purchase.

One highlight of this card is that you earn unlimited 2% cash back for the categories you select, and earnings are paid out monthly. There is also no annual card fee.

Categories of spending that qualify for the 2% cash back rate are groceries, restaurants, gas/motel, furniture, recurring bills, drugstore, home improvement, entertainment, and public transportation.

You can apply cash back earned to pay off a statement balance or transfer it into your Tangerine Savings Account.

New cardholders can take advantage of a 1.95% balance transfer rate for months, and the Tangerine credit card provides a free extended warranty and purchase protection coverage.

• Annual fee: $0
• Welcome offer: 1.95% balance transfer for 6 months; earn extra 10% cash back ($100 value) for a limited time
• Maximum reward rate: 2%
• Income eligibility: $12,000
• Interest rates: 19.95% on purchases, balance transfers, and cash advances

MBNA Rewards Platinum Plus Mastercard

If you want travel rewards while shopping for groceries, you should check out the MBNA Rewards Platinum Plus Mastercard. 

The card offers 2 points per $1 spent on eligible gas, groceries, and restaurant purchases, with a $5,000 cap on each category. For all other purchases, you earn 2 points per $1.

Also, you earn 4 points per $1 spent on grocery, gas, and restaurant purchases during your first 90 days, subject to the $5,000 category cap.

MBNA rewards points can be redeemed for travel, cash back, merchandise, gift cards, and more.

The highest redemption value (i.e. 100 points = $1) applies when you redeem your points for travel.

Lastly, the MBNA Rewards Platinum Plus also offers purchase protection and extended warranty benefits.

• Annual fee: $0
• Welcome offer: 10,000 points
• Income eligibility: N/A
• Interest rate: 19.99% on purchases; 22.99% on balance transfers; 24.99% on cash advances

Walmart Rewards World Mastercard

This credit card is Walmart’s latest credit card for earning rewards when you shop at the store and elsewhere. Like its entry-level counterpart, the Walmart Rewards World Mastercard also has no annual fees.

This card offers:

• Annual fee: $0
• Welcome bonus: Up to $25
• Maximum reward rate: 3%
• Income eligibility: $100,000 household income
• Interest rates: 19.89% on purchases and balance transfers; 21.49% on cash advances

You earn 3% at Walmart.ca, 1.25% at Walmart stores and when you purchase gas, and 1% on everything else.

Also, this card offers purchase protection and extended warranty coverage.

Walmart Canada Credit Card FAQ