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Best Walmart Credit Cards in Canada for November 2025
Published Nov 22, 2025 2:53 PM • 4 min read
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Credit Card ExpertTo be honest, there are only two Walmart credit cards in Canada. That said, these contenders are great options for loyal Walmart customers.
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Walmart Rewards™ World Mastercard®: Best Overall
Walmart Rewards™ Mastercard®: Best Accessible Runner-up
Best Walmart Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on Walmart's website
Welcome Bonus
$25 bonus after spending $75 in a single purchase at Walmart
Annual Fee
$0
Interest Rates
21.89% / 22.97%
The Walmart Rewards World Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It's especially beneficial for those who frequently shop at Walmart's online store. However, it offers a rather average reward rate for other types of purchases, making many other cards a better choice for non-Walmart spending categories.
Pros
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
Cons
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
Rewards
- Earn 3% in reward dollars at any Walmart store in Canada or online at Walmart.ca2
- Earn 1% everywhere outside Walmart3
- Get 6 months free on Delivery pass annual subscription every year.4
Insurance
Coverage
Purchase Protection
90 days
Eligibility
Credit Score
Very GoodAnnual Income
$100,000 household
Our choice for: Best Accessible Runner-up
APPLY NOW
on Walmart's website
Welcome Bonus
$25 bonus after spending $75 in a single purchase at Walmart
Annual Fee
$0
Interest Rates
21.89% / 22.97%
The Walmart Rewards Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It offers 1.25 Walmart Reward Dollars for every dollar spent at Walmart stores and the ability to pay in installments. Additionally, you can earn up to $45 in Walmart Reward Dollars when you sign up. However, the rewards can only be redeemed at Walmart, and the card lacks additional benefits or insurance coverage beyond purchase assurance and extended warranty.
Pros
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
- Sign-Up Bonus: Get up to $25 in Walmart Reward Dollars when you sign up.
Cons
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
Rewards
- Earn 3% in reward dollars at any Walmart store in Canada or online at Walmart.ca2
- Earn 1% everywhere outside Walmart3
- Get 3 months free on Delivery pass annual subscription every year.4
Insurance
Coverage
Purchase Protection
90 days
Eligibility
Credit Score
GoodAnnual Income
N/A
From our editors: The Best Walmart Credit Cards in Canada
Best Overall: Walmart Rewards World Mastercard
The Walmart Rewards World Mastercard earns shoppers solid cashback on Walmart purchases made both in store or online at Walmart.ca. In fact, you'll find this credit card featured in our Best Store Credit Cards in Canada article. Cardholders also receive a handful of free months from a Delivery Pass annual subscription each year. For coverage, expect purchase protection insurance. Just note that this contender comes with an annual income requirement. Learn more in our Walmart Rewards World Mastercard Review.
Best Accessible Runner-up: Walmart Rewards Mastercard
To avoid annual income requirements, apply for the Walmart Rewards Mastercard instead. This alternative boasts the same rewards program and coverage, with slightly fewer free months of the Delivery Pass annual subscription promotion. Read more in our Walmart Rewards Mastercard Review.
Pros and Cons of Walmart Credit Cards
Here's a quick look at the benefits and drawbacks of Walmart credit cards:
Pros | Cons |
|---|---|
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Read More: Best Cashback Credit Cards in Canada
How to Maximize Walmart Credit Cards
To maximize your Walmart credit card, link your card to Walmart's loyalty program. Cardholders can also strategically redeem cashback on expensive items during sale periods.
How to Apply for Walmart Credit Cards
To apply for a Walmart credit card, tap the "Apply Now" button below either card above. From there, you'll be redirected to the Walmart official website to begin the application process. Credit card applications typically ask for personal information (like your email, birthdate, and address) and financial information (such as your income, when applicable).
Frequently Asked Questions
If you meet the Walmart Rewards World Mastercard's annual income requirement, then this card is the best Walmart credit card available. Otherwise, apply for the Walmart Rewards Mastercard instead.
Yes. Walmart credit cards function just like regular credit cards. They help you build credit and can be tapped, swiped, or inserted at any retailer that accepts Mastercard.
Since Walmart credit cards are so niche, they work best as a secondary credit card for strategic card switching. For better cashback rates on common everyday categories, check out our Best Mastercard Credit Cards in Canada post. Note that any Mastercard that optimizes groceries will also optimize Walmart grocery purchases. Read More: Best Grocery Credit Cards in Canada.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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