Enhanced Walmart Rewards Mastercard

Walmart Canada has just announced the launch of an enhanced version of its Walmart Rewards Mastercard, issued by Fairstone Bank of Canada.

Earn Rewards Even Faster

Previously, the Walmart Rewards Mastercard had the following benefits:

1.25% in Reward Dollars on all Walmart purchases (in-store and online)
2% in Reward Dollars at any gas station, on transportation and electric vehicle charging
1% in Reward Dollars on all other purchases

Previously, the Walmart Rewards World Mastercard offered the following:

3% in Reward Dollars online at Walmart.ca
1.25% in Reward Dollars for in-store Walmart purchases
2% in Reward Dollars at any gas station, on transportation and electric vehicle charging
1% in Reward Dollars everywhere else

But as of today, the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard offer a similar and enhanced structure:

3% in Reward Dollars on all Walmart purchases (in-store and online)
1% in Reward Dollars on all other purchases
Still with no annual fees

The only difference between the two will be regarding the new Delivery Pass benefit:

Three months free on the Delivery Pass with the purchase of an annual subscription for the Walmart Rewards Mastercard
Six months of free Walmart Delivery Pass when you purchase an annual subscription with the Walmart Rewards World Mastercard

Our credit card selection
Credit card	Annual fee	Welcome offer
Walmart Rewards^™ World Mastercard^® Apply NowCompare	Annual fee$0	Welcome offer Up to $25	Apply NowCompare
Walmart Rewards^™ Mastercard^® Apply NowCompare	Annual fee$0	Welcome offer Up to $25	Apply NowCompare

The New Benefits of the Walmart Rewards Mastercard

With the recent update to the Walmart Rewards Mastercard, both card options have been simplified. There is no longer a distinction between purchases made in Walmart stores and those made online at walmart.ca. Now, you earn 3% cash back on everything!

Holders of the Walmart Rewards Mastercard see the reward rate for their Walmart purchases more than double, increasing from 1.25% to 3%.

Frequent users of gas stations and transit with the Walmart Rewards World Mastercard will lose out, as the 2% cash back on gas is now reduced to 1%.

Previously, the cards offered 5% Walmart Reward Dollars on eligible Walmart brands (such as George, Great Value, Equate, etc.). Unfortunately, the updated version makes no mention of this benefit continuing, which is disappointing.

However, all cardholders will now benefit from the new perk of 3 to 6 months of free membership when purchasing an annual Walmart Delivery Pass.

The New Walmart Rewards Mastercard

Existing holders of the Walmart Rewards Mastercard will automatically receive the new benefits on their current credit card starting today.

With no annual fee and even more rewards, these cards are worth considering if you spend a significant portion of your budget at Walmart, both in-store and online. If so, take advantage of the $25 welcome offer available on the Walmart Rewards Mastercard.

Our credit card selection
Credit card	Annual fee	Welcome offer
Walmart Rewards^™ World Mastercard^® Apply NowCompare	Annual fee$0	Welcome offer Up to $25	Apply NowCompare
Walmart Rewards^™ Mastercard^® Apply NowCompare	Annual fee$0	Welcome offer Up to $25	Apply NowCompare

Our featured card

FeaturedCompare

Marriott Bonvoy^® American Express^®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuation: $990Milesopedia first-year estimate First-year valueWelcome bonus$990Total$990Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 110,000 points

Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

The Marriott Bonvoy^® American Express^®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 110,000 Marriott Bonvoy^® points with the current offer:

Earn 80,000 points after you spend $6,000 on your Card in your first 6 months of Cardmembership.
Plus, earn 30,000 points by making a purchase during your 15th month of Cardmembership.

This offer ends on September 22, 2026. The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 110,000 point welcome offer is worth about $990, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$120

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

5xMarriott Bonvoy hotels
2xAll spending

Value

1st Year Value$1,437

2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

Enhanced Walmart Rewards Mastercard: Now Earn 3% Cash Back on All Walmart Purchases