Can I Use My Walmart Credit Card Anywhere In 2022? (Guide)

The multinational retailer, Walmart, strives to implement convenience with every shop. They achieve this by making it easier for customers to access money with the Walmart credit card. 

The company offers two credit cards which may leave you wondering: can you use your Walmart credit card anywhere? I’ve done the research, here are the answers!

Can I Use My Walmart Credit Card Anywhere In 2022?

Walmart customers can use the Capital One Walmart Rewards card anywhere that accepts MasterCard in 2022. The Walmart Rewards credit card can only be used at Walmart stores,, Neighborhood Marketplace, Sam’s Club stores, and associated gas stations. 

If you’d like to know more about which retailers accept Walmart credit cards, how to use them, and their limitations, read on!

Which Stores Can I Use My Walmart Credit Card At?

The Capital One Walmart Rewards Card powered by MasterCard can be used anywhere that accepts MasterCard payment methods.

Since almost every store in America accepts MasterCard, customers can use their Capital One Walmart Rewards Card at stores such as Kroger, Home Depot, Macy’s, Whole Foods, and Meijer, to name just a few. 

Additionally, these cards can be used at restaurants, bars, cinemas, online stores, or any store that accepts MasterCard.

The second credit card available at Walmart is the Walmart Rewards Card which is accepted at all Walmart stores, Walmart Neighborhood Markets,, and Sam’s Club.

Which Gas Stations Can I Use My Walmart Credit Card At?

Customers with the Capital One Walmart Rewards credit card to purchase gas at most major stations, including Shell, 7-11, Chevron, ExxonMobil, 76/Phillips 66, BP/Amoco, Kwik Trip, Circle K, Murphy’s USA, and Wawa, to name a few.

The Walmart Rewards card can only be used to purchase gas at Murphy’s USA gas stations as owned by Walmart.

How Do I Use My Walmart Credit Card?

How Do I Use My Walmart Credit Card?

Simply hand over the Walmart credit card to the cashier when paying for goods in-store, in which you’ll need to swipe the credit card yourself at self-checkouts and input your 4-digit PIN.

Provide the necessary information into the relevant fields when paying for merchandise online. At checkout, insert the cardholder’s name and relevant card numbers.

Does The Walmart Credit Card Have Limitations?

The spendable limit tied to your Capital One Walmart credit card is determined by your credit score.

The higher your credit score, the higher your credit limit shall be. Customers typically receive credit limits of $400-$5,000.

Consumers with the Walmart Rewards card can only spend their funds at Walmart-owned companies.

Where Can’t I Use My Walmart Credit Card?

The Walmart Rewards credit card cannot be used anywhere other than Walmart or associate companies, excluding purchases made at or on the Sam’s Club app.

Alternatively, the Capital One Walmart Rewards cannot be used anywhere that does not accept MasterCard providers.

Costco, for example, does not accept MasterCard (Visa only), therefore rejects competitor providers such as MasterCard.

How Do I Earn Rewards With My Walmart Credit Card?

Consumers could earn 5% cashback in Walmart stores or online for the initial 12 months following approval when using the Capital One Walmart Rewards card or Walmart Rewards credit card with Walmart Pay.

You could earn up to 60,000 points, the equivalent of $600 in cash every year! 

Using the Capital One Walmart Rewards card, you can earn 5% cashback with each order, including pickup and delivery.

Earn 2% cashback at Walmart stores, gas stations, restaurants, and on travel. And earn 1% anywhere that accepts MasterCard.

Additional rewards include:

  • Redeem for cash: Receive a check or apply rewards as a statement credit. 
  • Use your rewards to purchase merchandise at 
  • Transfer rewards onto a gift card for Walmart or alternative retailers. 
  • Redeem rewards for travel benefits such as flights and hotels.

Can I Use My Walmart Credit Card Before It Arrives?

Yes, customers can now use their card before it arrives in the mail by using Walmart Pay.

The feature is available on the Walmart app for Apple and Android smartphones, where you can use the credit card as soon as it has been approved. 

To learn more, you might also be interested in reading whether or not Walmart is a grocery store for credit card rewards.

Additionally, you can also see our guides on if you can pay bills at Walmart, if Walmart sells used products, and if you can use your JCPenney credit card at Walmart.


The Capital One Walmart Rewards card can be used anywhere that accepts MasterCard payments.

Alternatively, the Walmart Rewards card is exclusive to Walmart stores,, Neighborhood Market, Sam’s Club stores, and associate fuel stations.

Earn up to 5% cashback rewards when paying for goods at Walmart stores and online using Walmart pay. 

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