Walmart Rewards Mastercard Review

Start saving on what matters – earn while you shop, fuel up, and live your best life!

The Walmart Rewards Mastercard, If you’re the kind of shopper who values smart spending and meaningful rewards, this card might just be what you’ve been looking for. The Walmart Rewards Mastercard combines practicality with perks, offering Canadian consumers more than just a typical credit card. It’s the kind of financial tool that complements a busy life, letting you benefit from everyday purchases.

Two standout features are built right into the way the card works—making your daily routine feel more rewarding without changing your habits. Whether you’re filling up at the pump or checking out online, there’s value waiting at every turn. Keep reading to discover why this card is catching the attention of shoppers across Canada.

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Walmart Rewards Mastercard

no annual fee Reward Dollars

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Turn Your Purchases into Possibilities

• $45 Welcome Bonus: Get started with a rewarding boost—new cardholders receive a $45 welcome bonus after their first purchase. This generous introductory perk makes it easier to enjoy immediate savings and kickstart your journey to earning Reward Dollars. Whether you’re shopping in-store or online, your first swipe already puts money back in your pocket.
• Earn 2% in Reward Dollars at Gas & EV Stations: Fuel your vehicle while fuelling your wallet—earn 2% back in Reward Dollars every time you stop at any gas or EV charging station in Canada. This benefit is particularly helpful for commuters and road-trippers alike.
• Earn 1.25% in Reward Dollars at Walmart.ca: Online shopping just got more rewarding. When you use your Walmart Rewards Mastercard on Walmart.ca, you earn 1.25% back in Reward Dollars. This applies to everything from groceries to electronics.
• No Annual Fee: One of the best features of this card is that it comes with absolutely no annual fee. Unlike other credit cards that eat into your budget just for the privilege of owning them, this card lets you keep more of your money.
• Earn 3% in Reward Dollars at Walmart.ca: Want even more? When you purchase eligible items directly from Walmart.ca using this card, you can earn up to 3% in Reward Dollars. That’s triple the return for the things you already buy every month.
• Convenient Mobile Access: Manage your account with ease using the Walmart Financial mobile app. Monitor transactions, check your balance, and track your rewards—all in real time. This feature keeps you in control no matter where you are.
• Use Rewards Instantly at Checkout: There’s no waiting period when it comes to using your earned Reward Dollars. Apply them directly to your purchase at Walmart stores or on Walmart.ca.
• Accepted Nationwide: This Mastercard is accepted at millions of locations across Canada and internationally. So while it’s designed to maximize rewards at Walmart, it doesn’t stop there.
• Fraud Protection & Security: Enjoy peace of mind with advanced fraud protection. Your card is equipped with chip technology and Mastercard’s Zero Liability policy, ensuring you’re covered against unauthorized purchases.

Qualification Requirements

• You Must Be a Canadian Resident: To be eligible, applicants must currently reside in Canada. This ensures compliance with Canadian financial regulations and makes you eligible for benefits designed specifically for Canadians.
• You Must Be of Legal Age in Your Province: Applicants must be the age of majority in their province or territory. This requirement ensures legal eligibility to enter into a credit agreement.
• Credit History Will Be Reviewed: Applicants should have a fair to good credit history. While perfect credit is not mandatory, responsible past credit usage helps strengthen your application.
• Must Provide Proof of Income: You’ll need to provide information about your income. This helps determine your credit limit and assess your ability to manage monthly payments.
• You Should Have a Valid Canadian Address: A physical mailing address in Canada is necessary. P.O. Boxes may not be accepted, so ensure your residential address is accurate and up-to-date.
• Government-Issued ID Required: Applicants must provide valid government-issued identification for verification. This could include a driver’s licence or passport.

How to Apply for the Walmart Rewards Mastercard

• Visit the Walmart Financial Website: Begin your application online by visiting Walmart.ca and navigating to the financial services section. The digital form is easy to use and accessible from your computer or phone.
• Fill Out the Online Application: Provide your personal details, including name, date of birth, and contact information. Double-check the accuracy to avoid delays.
• Input Financial Information: You’ll be asked to provide employment and income details. These are used to assess your eligibility and credit limit.
• Review the Terms and Conditions: Take a moment to read through the full cardholder agreement, including interest rates and fees. Understanding your obligations helps you use the card more effectively.
• Submit the Application: Once everything is filled out and reviewed, click submit. You may receive a decision quickly depending on your credit status.
• Wait for Confirmation: After submission, keep an eye out for a confirmation email with details about your account. This email may include a temporary digital card number for online use.

Frequently Asked Questions

Can I use my rewards in-store and online?

Yes, Reward Dollars can be redeemed both in Walmart stores and at Walmart.ca, giving you full flexibility in how you use your savings.

Are there restrictions on where I earn 2% back?

The 2% back in Reward Dollars applies to any gas or EV charging station across Canada, not just Walmart-branded stations.

Do rewards ever expire?

As long as your account is active and in good standing, your Reward Dollars do not expire. However, closing your account will forfeit unused rewards.

Can I manage my card with a mobile app?

Absolutely. You can track spending, manage payments, and monitor your rewards through the Walmart Financial mobile app.

CREDIT CARD

Walmart Rewards Mastercard

no annual fee Reward Dollars

APPLY NOW You will be redirected