Best Walmart Canada Credit Cards | December 2023

To the point Are you looking for a credit card to shop at Walmart? Here is our pick of the best credit cards for Walmart Canada.

Walmart Canada Credit cards

Other Credit Cards for shopping at Walmart Canada Rogers Mastercard® MBNA Smart Cash Platinum Plus® Mastercard® Tangerine Money-Back Credit Card BMO® CashBack® Mastercard®* SimplyCash® Card from American Express MBNA Rewards Platinum Plus® Mastercard®

Bottom Line

Walmart Canada Credit cards

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

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

	Walmart Rewards Mastercard	Walmart Rewards World Mastercard
Household income required	$0	$100,000+
Annual fee	$0	$0
Online at walmart.ca	1,25 %	3 %
At any Walmart store in Canada	1,25 %	1,25 %
At any gas station	1 %	1,25 %
Everywhere else	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 – like Costco – to be warehouse stores. As a result, the “for all purchases” accumulation 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.

Other Credit Cards for shopping at Walmart Canada

In Canada, several credit cards are interesting for shopping at Walmart, but also elsewhere. Here’s our selection of credit cards with no annual fee from 5 issuers:

Rogers Mastercard
BMO^® CashBack^® Mastercard^®*
SimplyCash^® Card from American Express
MBNA Rewards Platinum Plus^® Mastercard^®
MBNA Smart Cash Platinum Plus^® Mastercard^®
Tangerine Money-Back Credit Card

Rogers Mastercard^®

The Rogers Mastercard® is one of Canada’s best no-annual-fee credit cards, especially for Rogers, Fido or Shaw customers.

Right now, you can earn 10% cash back for the first 3 months, up to a maximum of $100.

With the Rogers Mastercard®, and if you are actively subscribed to only one eligible service with Rogers, Fido or Shaw, you can earn 2% unlimited cash back on all your purchases. Eligible services include :

Rogers Mobile
Fido Mobile
Rogers, Fido, or Shaw Home (Internet, TV, home phone, home monitoring, or satellite)

So this card is now also available to Quebec residents with a mobile service with Rogers or Fido!

You’ll also receive 30% more cash back every time you redeem it for Rogers, Fido or Shaw products. Plus, as a Rogers Mastercard® credit cardholder, you’ll get five Roam Like Home days at no cost every year for Rogers mobile plans (up to $75 value).

If you’re not a Rogers, Fido or Shaw customer, you’ll earn 2% cash back on U.S. dollar purchases and 1% unlimited cash back on all other purchases.

This Card + Walmart

With the Rogers Mastercard, you’ll earn 1% on your purchases at Walmart Supercenters. And 2% cash back if you are a Rogers or Fido mobile service customer.

MBNA Smart Cash Platinum Plus^® Mastercard^®

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

With this card, you can get 2% on:

gas purchases
grocery purchases

Until the total gas and grocery purchases in the applicable month reaches $500. And 0.5% everywhere else.

For a limited time, you can earn 5% cash back for the first six months, a $150 value. This is the best no-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 under the Grocery purchase 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%.

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 categories that interest you (groceries, gas, furniture, home improvement, recurring bills, pharmacy, etc.) to earn 2% cash back ! And there is 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 your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months.

This Card + Walmart

With the Tangerine Money-Back Credit Card, you earn 2% on your purchases in Walmart Supercentres, which qualify in the Grocery spending 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.

Tangerine World Mastercard

If you have an individual income of $60,000 or a family income of $100,000, you may want to consider the World Mastercard Tangerine.

This credit card has no annual fee and offers cashback. 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.

In addition, the Tangerine 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 your first 30 days, transfer balances and pay only 1.95% interest on the transferred balance for the first 6 months.

BMO^® CashBack^® Mastercard^®*

The BMO® CashBack® Mastercard®* is a cash-back credit card with no annual fee. With the BMO® CashBack® Mastercard®*, you can earn 5% cash back for the first 3 months. It’s a maximum welcome bonus of $100.

Then you get:

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

Finally, you can also get a 0.99% introductory rate 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 a $10 statement credit for each monthly billing period in which you spend $300 in purchases on your Card in the first 10 months ( up to $100 in statement credits).

And you benefit from several coverages: $100,000 travel accident, Purchase Protection, and Buyer’s Assurance® Protection Plan.

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

This Card + Walmart

So with the SimplyCash^® Card from American Express , you’ll earn 1.25% on your purchases at Walmart (in-store and online), but also your gas 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 Canada’s best no-annual-fee credit cards.

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

Dining purchases
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 get 10,000 welcome bonus points, a $100 value on travel purchases charged to your Card.

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.

Bottom Line

As you can see, you’re not limited to the two Walmart Canada credit cards issued by Fairstone Bank. Other options that are just as or even more appealing are available to you in Canada!

Check out our other credit card rankings :