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Side by Side Credit Cards Comparison
Walmart Rewards™ World Mastercard®VSNeo Mastercard®
Which one is better?
Walmart Rewards™ World Mastercard®
2.0
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
Neo Mastercard®
3.2
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Start with a welcome bonus of $25 reward dollars1. Just spend $75 in a single purchase at Walmart with your new Walmart Rewards Mastercard in the first 30 days1.
Welcome Bonus
N/A
Our Cash Offer
N/A
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn 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
How to Earn Rewards
- 1% cash back on grocery purchases up to $500 spending per month
- 1% cash back on gas purchases up to $500 spending per month
- Up to 15% cash back at over 10,000 Neo Partners
Insurance Included
Purchase Protection
90 days
Insurance Included
N/A
Extra Benefits
N/A
Extra Benefits
N/A
Interest Rates
Purchase:
21.89%
Cash Advance:
22.97%
Balance Transfer:
22.97%
Interest Rates
Purchase:
19.99% - 29.99%
Cash Advance:
22.99% - 31.99%
Balance Transfer:
22.99% - 31.99%
Annual Fee
$0
Annual Fee
$0
Income Required
Min Personal Income:
N/A
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Is this card worth it?
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.
Is this card worth it?
The Neo Credit Card is special because it earns rewards based on whether the merchant is a partner or not. Most of the time, the cashback earned at these partners is the highest possible compared to all other credit cards. However, we don't recommend using this card as your main credit card and suggest using it only at partner merchants. This is because the rewards at non-partner merchants are very small, and most merchants are not partnered with Neo.
Pros
- No annual fee
- Instalment payments available
- Decent Walmart earnings
Pros
- No annual fee
- Instant approval and access
- Unique partner cashback program
- Unique benefit system
- Balance protection
Cons
- Limited redemptions
- Lower reward rates overall
- No benefits
- Limited insurance
Cons
- Insurance and benefit fees
- Spending caps
- Low cashback rates
Legal
1 A $25-dollar Welcome Bonus in Walmart Reward Dollars will be awarded to your Walmart Rewards account within five business days after an eligible single purchase reaching a total spend of $75 (including taxes) using your Walmart Rewards Mastercard is made at Walmart retail locations in Canada or online at Walmart.ca. To qualify for this offer you must (1) apply and be approved for a Walmart Rewards™ Mastercard® account in-store or online at walmartrewards.ca; and (2) make a single-receipt purchase of at least $75 (including taxes) at Walmart retail locations in Canada or online at Walmart.ca. Qualifying purchase must be made within 30 days of your application approval. Offer cannot be used with any other offer or promotion and is limited to one welcome bonus per new account. This offer is subject to the full Walmart Reward Dollars Program Terms and Conditions
2 Earn 3% in Walmart Reward Dollars on eligible purchases charged to your Walmart Rewards Mastercard at Walmart retail locations in Canada and online at Walmart.ca before taxes. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
3 Earn 1% in Walmart Reward Dollars on all eligible purchases charged to your Walmart Rewards Mastercard outside of Walmart retail locations in Canada and online at Walmart.ca. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.
4 Use your Walmart Rewards Mastercard to pay for a regularly priced annual Walmart Delivery Pass when purchasing it online at Walmart.ca and receive a 3-month statement credit plus applicable taxes for Walmart Rewards Mastercard or 6-month statement credit plus applicable taxes for Walmart Rewards World Mastercard. Your statement credit will be posted to your Walmart Rewards Mastercard account within 45 business days after the qualifying annual Delivery Pass plan purchase is made. Only one statement credit per account, per year. The account must be in good standing at the time the statement credit is awarded. See Delivery Pass Terms for details and exclusions.