The best no-annual-fee credit cards for Walmart Canada – December 2025

Updated Dec 13, 2025
Fact checked by
Alexandrine Bertrand
Alexandrine Bertrand Alexandrine Bertrand
An avid solo traveller, Alexandrine is an expert on loyalty programmes such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travellers make the most of their points and miles to experience affordable, off-the-beaten-path getaways. She also shares a love of gastronomy and enjoys exploring local flavours and culinary traditions.
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Épicerie Canada-26- Walmart
To the point Are you looking for a Mastercard credit card to shop at Walmart? Here is our selection of the best no-annual-fee credit cards for Walmart Canada.

Mastercard credit cards for Walmart Canada

Walmart Canada offers two credit cards issued by Mastercard and Fairstone Bank of Canada:

Walmart Fr cards

Here are the main features of these two Walmart Mastercard credit cards:

Walmart Mastercard Rewards Card Walmart World Mastercard Rewards Card
Household income requirement $0 $100,000+
Annual fee 0$ 0$
Walmart.ca online shopping 1,25% 3%
Walmart in-store purchases 1,25% 1,25%
Gas purchases 1% 1,25%
Other purchases 1% 1%

Both Walmart Canada credit cards are attractive, with no annual fee. With the World version, you get 3% cash back on your online purchases at Walmart.ca, which is hard to beat.

Spending Category

Note that most credit cards consider Walmart – along with Costco – to be warehouse stores. As a result, the “for all purchases” earning rate will apply – not the accelerated grocery rate for a card like the American Express Cobalt Card, offering 5 points per dollar. At Walmart, it will, therefore, be only 1 point.

However, on the Mastercard side, some credit cards consider Walmart Supercentres like grocery stores. So you get 5 points per dollar with a card like National Bank World Elite Mastercard.

Other Mastercard credit cards for Walmart Canada

Tangerine Money-Back World Mastercard

If you have an individual income of $60,000 or a household income of $100,000, you can choose the Tangerine Money-Back World Mastercard.

This credit card has no annual fee and offers cashback. With this limited-time welcome offer, you get $120 when you spend $1,500 in the first 3 months.

You can choose up to three spending categories that interest you (groceries, gas, home furnishings, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back! And there’s no annual cash back limit.

In addition, the Tangerine Money-Back World Mastercard comes with several insurance coverages for your purchases and travel:

  • 90 days purchase insurance
  • One year extended warranty
  • Mobile Device Insurance
  • Rental Car Collision/Loss Damage Insurance

Finally, during the first 30 days you hold the card, transfer credit card balances and pay only 1.95% interest on these balances for the first 6 months.

This Card + Walmart

With the Tangerine® Money-Back World Mastercard®*, you will earn 2% on your purchases at Walmart Supercentres that qualify in the purchase category Grocery.

In other Walmart stores and online, you earn 0.5%. You can also choose up to 2 additional spending categories (like gas and recurring bill payments) to get 2% as well.

Tangerine Money-Back Credit Card

The Tangerine Money-Back Credit Card has no annual fee and offers cash back.

With this limited-time welcome offer, you can earn an additional 10% cash back (up to $100) when you spend up to $1,000 on everyday purchases during the first 2 months.

You can choose two to three purchase categories that interest you (groceries, gas, home furnishings, renovations, recurring bills, pharmacy, etc.) to earn 2% cash back ! And there’s no annual cash-back limit. It is one of the best credit cards for renovations.

In addition, the Tangerine Mastercard offers several insurance coverages for your purchases :

  • 90 days purchase insurance
  • One year extended warranty

Finally, during the first 30 days you hold the card, transfer credit card balances and pay only 1.95% interest on these balances for the first 6 months.

This Card + Walmart

With the Tangerine Money-Back Credit Card, you’ll earn 2% on purchases at Walmart Supercenters that qualify in the Grocery category.

In other Walmart stores and online, you earn 0.5%. You can also choose up to 2 additional spending categories (like gas and recurring bill payments) to get 2% as well.

MBNA Smart Cash Platinum Plus® Mastercard®

MBNA Smart Cash Platinum Plus® Mastercard® is one of the best no-annual-fee cash-back credit cards in Canada.

With this card, you can get 2% on:

  • gas purchases
  • grocery purchases

Up to a monthly purchase limit of $500, and 0.5% cash back everywhere else.

For a limited time, you can earn 5% cash back for the first 6 months, a value of $150. It’s the best no-annual-fee MBNA credit card with cash back.

This Card + Walmart

With the MBNA Smart Cash Platinum Plus® Mastercard®you’ll earn 2% on purchases at Walmart Supercenters that qualify in the Grocery category. And you’ll also get 2% cash back on gas purchases!

In other Walmart and online stores, and anywhere else you’ll get 0.5%.

BMO® CashBack® Mastercard®*

The BMO CashBack Mastercard is a no-annual-fee, cash-back credit card. With the BMO CashBack Mastercard, you can earn 5% cash back for the first three months. This represents a maximum welcome bonus of $125 :

  • 5% cash back on up to $500 in eligible groceries, for a $25 bonus
  • 5% cash back on up to $500 in eligible recurring bill payments, for a $25 premium
  • 5% cash back on up to $1,500 of any other eligible purchase, for a $75 bonus

Then you get a cash back rate of:

  • 3% cash back on grocery purchases, including at Walmart Supercenters
  • 1% cash back on recurring bill payments

Finally, you can also get a welcome interest rate of 0.99% on balance transfers for nine months.

This Card + Walmart

With the BMO® CashBack® Mastercard®*, you earn 3% on your purchases at Walmart Supercentres, which qualify in the Grocery spending category. And you’ll also get 1% on recurring bill payments!

In other Walmart and online stores, and anywhere else you’ll get 0.5%.

SimplyCash® Card from American Express

Do you want a cash back credit card with no annual fee and a great earning rate for everyday purchases? Here’s an option for you: the SimplyCash® Card from American Express.

With this no-annual-fee credit card, you earn:

  • 2% cash back on gas purchases
  • 2% cash back on grocery purchases
  • 1.25% cash back on all other purchases

And with this welcome offer, you can earn 5% cash back on all purchases (up to $2,000 in purchases) for the first 3 months (up to $100 in Statement credit).

You benefit from several types of insurance : $100,000 travel accident, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

This Card + Walmart

With the SimplyCash® Card from American Express, you’ll earn 1.25% on your purchases at Walmart (in-store and online), as well as on your gasoline purchases and everywhere else!

And this credit card doesn’t require any minimum income, unlike Walmart’s World Mastercard version.

MBNA Rewards Platinum Plus® Mastercard®

The MBNA Rewards Platinum Plus® Mastercard® is one of the best no-annual-fee credit cards in Canada.

With this card, you can earn 2 points per dollar on:

  • Dining
  • Grocery purchases
  • Digital media purchases (Netflix, Spotify, etc.)
  • Memberships
  • Household utility purchases (electricity, etc.)

And 1 point per dollar everywhere else. This is the best MBNA credit card with no annual fee.

For a limited time, you can earn 10,000 bonus points as a welcome bonus, a $100 value for travel purchases charged to your account.

This Card + Walmart

With the MBNA Rewards Platinum Plus® Mastercard®, you earn 2 points per dollar on your purchases in Walmart Supercentres, which qualify in the Grocery spending category. And you also earn 2 points per dollar on gas and restaurants purchases!

In other Walmart stores and online, you earn 1 point per dollar like anywhere else.

Rogers Mastercard®

The Rogers Red Mastercard® is one of the best no-annual-fee credit cards in Canada, especially for Rogers, Fido, Comwave, or Shaw customers.

With the Rogers Red Mastercard®, and by having just one eligible service with Rogers, Fido, Comwave, or Shaw, you can get 2% unlimited cash back on all your eligible purchases.

Eligible services include:

  • Rogers Mobile
  • Fido Mobile
  • Residential service from Rogers, Fido, Comwave, or Shaw (Internet, TV, home phone, home automation, or satellite service)

This card is therefore also available to Quebec residents who have mobile service with Rogers or Fido!

Additionally, you get 1.5 times more cash back every time you redeem for Rogers, Fido, Comwave or Shaw purchases, which represents cash back valued at 3%.

Furthermore, by being a Rogers Red Mastercard® cardholder, you get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan (up to $90 value).

If you are not a Rogers, Fido, Comwave, or Shaw customer, you will get 2% cash back on your eligible purchases in U.S. dollars and 1% cash back on all other eligible purchases.

This Card + Walmart

With the Rogers Red Mastercard®, you’ll earn up to 3% on your purchases at Walmart Supercenters if you’re a Rogers or Fido mobile service customer.

Rogers Red World Elite® Mastercard®

Rogers Red World Elite® Mastercard® is one of the best no-annual-fee cash-back credit cards in Canada.

With the Rogers Red World Elite® Mastercard®, you get 2% cash back on all your eligible purchases (including at Costco) if you have an eligible service with Rogers, Fido, Comwave, or Shaw.

Otherwise, earn 1.5% unlimited cash back on all eligible purchases in currencies other than US dollars.

Receive 3% cash back on all eligible purchases in US dollars (this credit card is therefore particularly suitable for snowbirds) and a 1.5 times more cash back each time you redeem them for Rogers, Fido, or Shaw products.

Additionally, Rogers customers Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan (up to $90 value).

As Rogers Red World Elite® Mastercard® is a World Elite Mastercard, you benefit from a free subscription to Mastercard Travel Pass (offered by DragonPass) giving access to over 1,300 airport lounges worldwide (US$32 per person per visit).

Finally, you’re protected by a wide range of insurance coverages, such as :

  • Extended Warranty and Purchase Protection
  • Rental Car Collision/Damage
  • Out-of-province/country emergency medical care
  • Trip Interruption Insurance
  • Trip Cancellation Insurance
This Card + Walmart

With the Rogers Red World Elite® Mastercard®, you’ll earn up to 3% on your purchases at Walmart Supercenters if you’re a Rogers or Fido mobile service customer.

Bottom Line

As you can see, you’re not limited to the two Walmart Canada credit cards issued by Fairstone Bank. There are other, even more attractive Mastercard options available to you in Canada!

Check out our other credit card rankings :

How do I get a Walmart Mastercard?

There are the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard. Click the link here to compare these two almost identical cards to find out which one is best for you.

How can I check the balance on my Walmart Mastercard?

Log in to your Walmart Rewards profile to view the balance of your Walmart Mastercard. You can also call Customer Service at 1-888-331-6133.

How can I check my Walmart Mastercard monthly statement?

Log in to your Walmart Rewards profile to get your monthly statement for your Walmart Mastercard. If you have any problems, you can also call Customer Service at 1-888-331-6133 if you want to receive it by mail.

Come to discuss that topic in our Facebook Group!
Marie-Ève Leclerc
Marie-Ève Leclerc
Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.
All posts by Marie-Ève Leclerc
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