Walmart shoppers in Canada earn rewards when they shop online or in the store using the store’s branded credit card.
The Walmart Rewards Credit card is a no-fee card offered by the retail giant, and you can use it to earn Walmart Reward Dollars plus a welcome bonus when you first sign up.
This card review outlines its benefits, downsides, and alternative cash back credit cards.
Walmart Rewards Mastercard Benefits
Walmart Rewards Mastercard – At a Glance
Rewards: Earn 1.25% cash back at Walmart and 1% cash back everywhere else.
Interest rates: 19.89% for purchases and 21.49% for cash advances.
Annual fee: $0
Min. income required: N/A
1. No Annual Fee: If you are looking for a no-frills cash back credit card and do most of your shopping at Walmart, this card is worth looking at.
It does not have an annual fee, so you won’t have to worry about paying a fee for simply having the card in your wallet.
2. Cash Back Rewards: The Walmart Rewards Mastercard offers a 1.25% cash back rate when you purchase at a Walmart store or online at Walmart.ca.
When you use your card to pay for purchases outside of Walmart, you earn cash back at a 1% rate.
The cash back rewards offered by this card are not shabby; however, you could enjoy better all-around rewards with this list of Walmart Credit Card alternatives.
3. $25 Welcome Bonus: New cardholders can get up to $25 in Walmart Reward Dollars as follows:
- Get $15 when you make two qualifying purchases with your card within 30 days (one purchase at Walmart and the second elsewhere)
- Get $10 when you sign up for electronic statements
You can redeem your Walmart Reward Dollars to pay for purchases at Walmart (in-store or online) starting at a minimum of $5.
Walmart Rewards Mastercard Downsides
This Walmart Mastercard does not offer access to free insurance coverage or benefits.
Also, you can only redeem cash back rewards by purchasing at Walmart. There is no option to use it to pay off your statement balance.
Walmart Rewards Mastercard Alternatives
Credit cards that pay a higher cash back rate on grocery purchases include:
1. Tangerine Money-Back Credit Card
Tangerine Money-Back Credit Card
Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases.
Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value); 1.95% balance transfer rate for 6 months.
Interest rates: 19.95% for purchases, balance transfers, and cash advances.
Annual fee: $0
The Tangerine Money-Back Credit Card offers up to 2% unlimited cash back on spending in up to three categories, including groceries, restaurants, gas, recurring bills, entertainment, drugstore, and more.
- Cash back required: Up to 2%
- Minimum income required: $12,000
- Extra perks: Free purchase protection and extended warranty coverage
This card is easy to qualify for and only requires a minimum personal income of $12,000 per year. A third 2% cash back category is offered when you open a Tangerine Savings Account to deposit your cash back rewards.
2. SimplyCash Card from American Express
SimplyCash Card from American Express
Rewards and benefits: Earn up to 2% cash back on gas and groceries; 1.25% cash back on all other purchases; travel accident insurance.
Welcome offer: Earn a $10 statement credit each month you spend $300 in purchases on your Card in the first 10 months (up to $100 value).
Interest rates: 20.99% on purchases and 21.99% on cash advances.
Annual fee: $0
The SimplyCash Card from AMEX gives you a flat 1.25% cash back on all purchases. This means you enjoy an additional 0.25% compared to the Walmart Rewards Mastercard when you shop outside of Walmart.
- Cash back rewards: 1.25%
- Minimum income required: N/A
- Extra perks: Travel accident insurance, purchase protection, and extended warranty coverage
Walmart Rewards Mastercard Review
Overall
Summary
The Walmart Rewards Mastercard offers up to 1.25% cash back rewards when you shop at Walmart. This review covers its benefits, downsides and alternative credit cards.
Pros
- $25 welcome bonus
- Up to 1.25% cash back
- No annual fees
Cons
- Can only redeem for Walmart purchases
- Offers no insuranceÂ
I am not happy with this card, the 1-888 phone very hard to connect. secondly, I tried to process the amount under the limit, the card has been locked. in order to unlock, it takes so many days, still not solved yet.
A cashier offered me a merchandise rebate. When I got to my car & looked at the receipt, I discovered was signed up to a credit card without my knowledge. I returned to the store within a few minutes, to return the merchandise & cancel the card (that I never authorized). I was hassled and intimidated for 2 hours, as I repeatedly asked to speak to the Store Manager. The store took my receipt and has refused any further documentation. I finally left with nothing more than a hand written note with the first name of the manager, a phone number and a vague statement that I did not owe money . There is still a credit card in my name, with a balance owing. I am told to be patient and Walmart will get back to me to let me know if they have cancelled the charge. Walmart kept the merchandise. I am trying to find out the customer complaint mechanism but realize, it doesn’t exist. They are throwing the cashier under the bus but when I questioned her motivation for fraudulently signing me up for the card, the Manager insisted there was no benefit to the cashier for signing customers to a card ???? I don’t believe it. DO YOU?
Please as customer do not ever use Walmart Rewards Mastercard (WRMC) operated by Duo Bank of Canada as they are incapable of resolving any disputes on your credit card purchases. They will leave you on a spiderwebs tangle as you attempt to resolve your dispute. Please protect your money and stick to the major bank credit cards as you will always be protected in any dispute matter. Please cancel you WRMC! I was threatened, falsely accused of cursing a customer service representative and hung up on in my attempt to resolve my dispute as I result have retained legal counsel for this unwarranted personal attack. Thank you
Worst customer service ever!!!!!!!!! Completely useless
Hello,
Just voicing my concern and may not be the same with all. Walmart master card customer service department (back office support for disputed charges) is just a nightmare to deal with.
My card has been hacked for past 4 months (my mistake i was not monitoring the daily transactions) Now that I am requesting the backoffice staff (3rd party or customer service agents) to dispute charges, they in return say we can only dispute upto 60 days and if its a subscription we cannot reverse. These agents have no training or communication skills which Walmart has totally Ignored to maintain their standard. It has been so difficult for past 2 days to get hold of someone who is clearly able to reverse the charges.
I rather not use Walmart mastercard for a few $$ benefit and loose more on the hacking charges on the card. My RBC credit card was hacked 2 years back and the credit card department immediately cancelled my card and reversed all the disputed charges then and there. They even called me up to inquire when they saw charges from US and Europe hitting my credit cards. With Walmart its just other way round.
Do not get a Walmart Mastercard. Customer service is horrible. It took me over a hour and a half just to get Walmart Mastercard to send me a new card as the chip wasn’t working on mine. Very very frustrating to deal with. Something that should take only a couple of minutes to process after verification goes on forever and still doesn’t get processed. They kept trying to sell me on supplemental card and other things even when I repeatedly told them I just needed a new card with a working chip and was not interested in anything else. Stay away from Walmart Mastercard and do your research for companies with good reviews