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Walmart Rewards Mastercard®
Credit cards

Walmart Rewards Mastercard®

Updated 30.11.2022

About Walmart Rewards Mastercard

A Walmart Rewards Mastercard is a no-annual-fee credit card issued by Duo Bank of Canada. With this credit card, you can earn Walmart Reward Dollars for eligible purchases and save them for future purchases at Wal-Mart Canada Corp — either at the register at Walmart stores in Canada or online at walmart.ca. So, a Walmart Rewards Mastercard is a good option for frequent Walmart shoppers.

Walmart Mastercard credit cards come in two versions — Walmart Rewards™ Mastercard® and Walmart Rewards™ World Mastercard®. The second one provides higher Walmart Reward Dollar™ earning rates on your everyday spending and involves minimum annual household income requirements.

Walmart trademarks are the property of Walmart Apollo, LLC, and are used by Duo Bank of Canada under license. Mastercard® and World Mastercard® are the registered trademarks owned by Mastercard International Incorporated.

Walmart Rewards Mastercard features

Walmart Rewards Mastercard credit cards provide a preferred 19.89% interest rate on purchases and 22.97% on cash advances (21.97% for Quebec residents). There is also a 21-day interest-free grace period during which you may avoid paying interest if you repay your balance in full by the payment due date. Duo Bank calculates interest based on your average daily balance and charges it to your account on the last day of each billing period.

Both Walmart Rewards™ Mastercard® and Walmart Rewards™ World Mastercard® credit cards involve no annual fee.

When switching from Walmart Rewards™ Mastercard® to Walmart Rewards™ World Mastercard®, you will be able to transfer your Walmart Reward Dollars balance and preserve your current credit limit, all for a zero annual fee.

Walmart Rewards Mastercard credit cards feature instant approval, which means you can start shopping instantly, without having to wait for a physical card to arrive to you by mail. That is, you can use your new Walmart Rewards Mastercard credit card for Walmart purchases when shopping online or in-store with a temporary shopping pass. You will receive your temporary shopping pass either by mail or in-store. To use the "Shop instantly" feature online, look for a temporary shopping pass as a payment option when you checkout online. Purchases made using the temporary shopping pass will appear on your first Walmart Rewards Mastercard statement.

With welcome Walmart Reward Dollars offers for new Walmart Rewards Mastercard applicants, you can earn up to $25 bonus Walmart Reward dollars. This welcome bonus is made of two parts:

  • $15 for making two qualifying purchases within 30 days from receiving your card, with one purchase made at Wal-Mart Canada Corp and one purchase made at another location accepting Mastercard (only one bonus awarded per Walmart Rewards account)

  • $10 for signing up for electronic statements (only one paperless bonus awarded per account)

Along with welcome Walmart Reward Dollars, you can earn regular Walmart Reward Dollars for eligible purchases charged to your Walmart Rewards Mastercard account.

For online purchases at walmart.ca, you can earn 1.25% in Walmart Reward Dollars if you pay with Walmart Rewards™ Mastercard® and 3% if you pay with Walmart Rewards™ World Mastercard®.

For purchases at Walmart stores in Canada made with any of these cards, you will earn 1.25% in Walmart Reward Dollars.

For purchases at automatic gas pumps and gas stations worldwide, including purchases at gas station stores and excluding purchases at independent merchants operating within a gas station or gas station store, you can earn 1% in Walmart Reward Dollars if you pay with Walmart Rewards™ Mastercard® and 25% more — 1.25% — if you pay with Walmart Rewards™ World Mastercard®.

All other purchases (say, travel purchases, recurring bill payments, or grocery store purchases) made with any of these Walmart Rewards Mastercard credit cards will bring you 1% in Walmart Reward Dollars.

Duo Bank of Canada sets no limits on the maximum amount of Walmart Reward dollars you can earn, which means you can count on big rewards.

You can redeem your Walmart Reward dollars for savings on future purchases at Walmart retail locations or online at walmart.ca. It is possible to use your Walmart Rewards for virtually anything Walmart sells, including Walmart Marketplace and Online Grocery purchases at Walmart.ca. 1 Walmart Reward dollar equals 1 spent at any Walmart store in Canada owned by Wal-Mart Canada Corp. or at walmart.ca. Having sufficient earned Walmart Rewards Dollars can help you get the desired items from a Walmart store in Canada for free.

When redeeming your Walmart Reward Dollars, you must use a minimum of $5. The redemption of more than $5.00 worth of Walmart Reward Dollars must be done in $5.00 increments. When using your Walmart Rewards Mastercard credit card at a Wal-Mart Canada Corp retail store, you can use the credit card reader to see the amount of Walmart Reward Dollars available for redemption.

Note that Walmart Reward Dollars cannot be redeemed for more than the equivalent dollar value of the purchase you are going to make. They cannot be redeemed for cash either.

Keep in mind that certain conditions, restrictions, and exclusions apply. For more information, see the Walmart Reward Dollars Program Terms and Conditions.

Walmart Mastercard credit cards have valuable built-in features and insurance coverages. With a Walmart Rewards™ Mastercard® credit card, you get the following features:

  • Zero liability protection keeping you safe from responsibility for unauthorized transactions made with your credit card

  • Mastercard Global Services providing 24/7 support wherever you are

With a Walmart Rewards™ World Mastercard® credit card, you get all the benefits mentioned above plus:

  • Free Extended Warranty Plan increasing the original manufacturer's warranty by up to one additional year

  • Free Purchase Assurance providing 90-day insurance protection against loss, damage, or theft for items purchased with your credit card

Walmart Rewards™ Mastercard® credit cards qualify for installment plans, which means you can convert your purchases of $199.99 and more into 6 easy installments. The setup fee for an installment plan is 2.5% of the installment plan purchase amount. Keep in mind that setting up an installment plan will lower your available credit limit by the full amount of your installment plan purchase upon an installment plan set up.

In addition to the benefits mentioned above, a Walmart Rewards™ World Mastercard® credit card provides you with a range of exclusive benefits from World Elite® Mastercard®, such as Free Wi-Fi at Boingo hotspots, Membership in Mastercard Travel Pass provided by DragonPass that grants access to airport lounges, and World Elite Concierge service providing personal assistance with various requests.

Optionally, you can apply for the Balance Protection Plan providing coverage of your financial obligations in the event of job loss, disability, hospitalization, critical illness, terminal illness, or death.

Pros and cons

Walmart Mastercard credit cards have both pros and cons. Let's look through the pros first:

  • A zero annual fee

  • A range of opportunities to earn Walmart Rewards dollars

  • Welcome Walmart Rewards dollars for new applicants

  • Redemption of Walmart Rewards dollars available at any Walmart store or online at walmart.ca

  • Access to exclusive benefits from World Elite® Mastercard® with a Walmart Rewards™ World Mastercard® credit card

  • Walmart Rewards Mastercard Installment Plan available for purchases of $199.99 or more

Now, let's outline the cons of Walmart Mastercard credit cards:

  • Steep minimum household income requirements to apply for a Walmart Rewards™ World Mastercard® credit card

  • Sometimes, limitations and exclusions apply for Walmart Rewards Dollars redemption

  • Unavailability of Walmart Rewards Mastercard Installment Plan for Quebec residents

How to apply for a Walmart Rewards Mastercard

You can complete your Walmart Rewards Mastercard application online — just click the “Apply now” button on the credit card description page. To begin your application, enter your email and select the preferred way to apply — using digital ID verification or entering your personal information manually. If you choose digital ID verification, you will need to scan your government-issued photo ID and take a selfie with your mobile phone.

If you choose to enter your personal information manually, be ready to provide the following:

  • Your first name

  • Your last name

  • Your date of birth

  • Your address

How do I activate my Walmart Rewards Mastercard credit card?

To activate your Walmart Rewards Mastercard credit card, call the Walmart Rewards Mastercard Customer Service team at 1-888-779-2977.

How do I register my Walmart Rewards Mastercard account?

To set up your Walmart Rewards Mastercard account, go to the Walmart Reward Mastercard homepage, click the "Sign in" button, and proceed with your credit card registration. The registration process involves entering your credit card number, accepting the terms and conditions, creating a username and password, and verifying your identity.

How soon will I receive my welcome bonus Walmart Reward dollars?

You can expect a $15 bonus Walmart reward dollars to appear in your Walmart Rewards account within five business days of making two qualifying purchases. A $10 will appear in your Walmart Rewards account within two statement periods after signing up for electronic statements. Be sure to see the terms and conditions to check if any exclusions apply.

How do I qualify for a Walmart Rewards™ World Mastercard® credit card?

If you already have a Walmart Rewards™ Mastercard®, spending $15,000 and more with your credit card in the previous 12 months makes you eligible for a Walmart Rewards™ World Mastercard®.

If are new to Walmart Rewards™ Mastercard®, you must have an annual household income of at least $100,000 to qualify for a Walmart Rewards™ World Mastercard®.

Whatever applies to you, Duo Bank will review your credit card application based on its credit card approval criteria.

When I switch from Walmart Rewards™ Mastercard® to Walmart Rewards™ World Mastercard®, will the supplementary cards I already have also become World Mastercard® cards?

Switching to Walmart Rewards™ World Mastercard® assumes the conversion of supplementary cards into World Mastercard® cards.

How do I keep track of my Walmart Rewards Dollars earned?

There are several ways to check your Walmart Rewards Dollars balance.

First, you can use the credit card reader at Wal-Mart Canada Corp retail stores to see the number of reward dollars available for redemption.

Second, you can see the number of Walmart Rewards Dollars at checkout when you select the Walmart Rewards Mastercard when shopping online at walmart.ca.

Third, you can sign in to your Walmart Rewards Mastercard online account and see the up-to-date Walmart Rewards Dollars balance.

Fourth, you can see your Walmart Reward Dollar balance on your monthly account statements.

How do I sign up for electronic statements?

To enroll in paperless statements, sign in to your online banking account and select "Go Paperless" from the main drop-down menu. Then, go to the "Paper Statement" section and click the "TURN ON" button to switch to paperless statements.

How do I reset the forgotten PIN?

To reset the forgotten PIN, call the Walmart Rewards Mastercard Customer Service team at 1-888-331-6133.

What happens to my Walmart Rewards Dollars if I return the item purchased with these reward dollars?

When you return an item purchased with Walmart Reward Dollars in full, you can expect a refund of the total amount of reward dollars to your Walmart Rewards™ Mastercard® account. If you return a portion of the purchase, you will get a refund for partial rewards.

Can I cancel the redemption of my Walmart Reward Dollars for a purchase made at walmart.ca?

If you want to cancel the redemption of your Walmart Reward Dollars for a walmart.ca order you have already placed, you will have to cancel this order within 30 minutes. Once you do, you will receive a refund of the reward dollars spent on this order to your Walmart Rewards™ Mastercard® account.

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Effective interest rate on the product

21.97% - 22.97%

Top offers of the February 2023

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