Learn everything about Walmart Rewards Mastercard and its benefits

If used well, the Walmart Rewards Mastercard can earn you up to $1,000 per month. As one of the most popular retail stores within the United States and beyond, this is a credit card that offers benefits and cash back when buying directly from their stores.

If you shop at online stores frequently this product will also offer you benefits. For purchases in Walmart’s virtual channels, either through the smartphone app or its official website, Walmart.com, the card offers the amount of 5% cashback to its users. In physical environments of the retailer, however, the amount is a little less: 2% on travel and restaurant purchases, and 1% for any other product purchased.

New users

For people who have recently received this credit card, the company will offer 5% cashback on their purchases using the Walmart-developed digital wallet, Walmart Pay. This payment method can be downloaded on most smartphones, as it is available in major app stores. If the user is also a Walmart member, it is possible to stack the benefits.

Using this credit card on Walmart’s digital channels can bring the customer a number of different rewards. This makes this a great alternative for Walmart customers and who shop constantly through the app or the retailer’s official website. Thus, Walmart online customers can access a wide variety of products offered digitally and receive rewards for doing so.

Reasons to use this Walmart credit card

Basically, what makes this one of the best alternatives available on the market is its variety of rewards, allowing its customers to spend the cashback amount in the app store or withdraw the amount. In addition, this product also offers the exemption of annual and transaction fees and a reasonable APR rate considering the market in general. Another reason is the credit card’s main offer, the ability to get 5% cashback on online purchases, 2% through travel and restaurant purchases, and 1% on any other purchase using the Walmart Rewards Mastercard.

Groceries

The 5% cashback offer also covers the purchase of groceries online. so in addition to completing the purchase of essential products, customers can also benefit from the amount back in their wallets. In addition, users can also make use of the services offered by Walmart in their purchases, such as Walmart’s delivery and pickup services. This feature, furthermore, differentiates this credit card from the other alternatives currently available in the market. 

The advantages offered on travel and restaurant purchases are not exclusive to this credit card, however. Several other credit cards currently offer this type of benefit, but Walmart Rewards Mastercard offers this service without an annual fee. So its customers can pay for these services without being charged in return and also guarantee 2% of the amount spent as cashback.

Rewards

The rewards offered by this credit card are also extremely flexible. In addition to having a flag that is accepted worldwide, customers can redeem their points for concrete rewards almost entirely free of charge. This is because the card does not set a minimum for the total amount of cashback to be used.

The product does just the opposite, offering a range of products available for redemption, or withdrawal of the amount in question. Thus, its customers can redeem the amount through their statement, or exchange it on the travel portal, or redeem gift cards through Walmart’s digital wallet. The cashback amount, moreover, will only expire when your account is closed: manually, or blocked for any other reason.

Aplication

The application for this credit card can be done through the Walmart App, which can be found in the main app stores in the market, such as Google Play and the App Store. Through the app, the Walmart Rewards Mastercard can be issued instantly. In addition to issuing this credit card, the app is also designed to keep your customers up to date, through notifications sent with every change in your guidelines or every transaction, additionally offering security alerts. In addition, it also allows the blocking and unblocking of the credit card remotely.

Disadvantages of the Walmart Rewards card

Despite offering benefits, this credit card also has downsides. Although generous, the 5% cashback offer is not permanent, ending after the 12-month period. After that, the card offers the 2% amount, which cannot be pleasant. If your goal is to enjoy this offer for more than a year, then perhaps you should consider the Citi Double Cash Card, which features this benefit for the 18-month period.

After applying for this credit card, users should constantly monitor the rewards offers and their limitations.

Despite advertising free product shipping, the company does not offer the benefit for free in its entirety. For this to occur, the company does not make it explicit that the minimum for its deliveries to go free is $35.00 in purchases at Walmart.

If this benefit appeals to you, however, then it is possible to consider the Target REDcard Credit Card, which also offers its users free delivery of their products, but does not set a minimum for this. In addition, this credit card also does not offer an APR fee-free promotional period, a benefit offered by most of the options currently available on the market.

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