Walmart Mastercard Cash Value Calculator

Walmart Mastercard (Synchrony)

2% Murphy Gas
2% Walmart Gas
1% Walmart (in-store)
Synchrony no longer offers this card. The Capital One Walmart Rewards Mastercard has taken it's place.

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Synchrony no longer offers the Walmart Mastercard and Walmart Store Card. Capital One now holds the Walmart Rewards Mastercard and Walmart Rewards Store Card. This page will temporarily remain here for history.

The Walmart Mastercard and Store Card can be a good idea for anyone that consistently shops online at Walmart, but if you shop in-store this card will not be of much use to you since in-store purchases will only earn you 1% cash back. You can also earn some additional cash back on Murphy's USA and Walmart Gas stations. As far as benefits you have the option for special 6-12 month financing options.

Redeem Walmart Cash Back

Cash back earned with the Walmart Mastercard and Walmart Store Card are automatically applied to your account in the form of a statement credit. There is no other option for these rewards which makes it very restrictive. If you want to be able to use your hard earned cash back for other redemptions such as airfare tickets, hotels, rental cars, gift cards, and more, you will want to pick up a rewards card that isn't tied to a specific store such as the Barclay Uber Card or American Express Cash Magnet Card.

Bonus Categories

The Walmart Mastercard and Walmart Store Card both feature three bonus categories which consist of purchases with/at, Murphy USA gas stations, and Walmart gas stations. These cards do not earn bonus points for shopping in-store at Walmart. There is no limit to the amount of cash back you can earn spending in these bonus categories and there is no limit to the amount of rewards you can earn. Rewards earned with the Walmart Mastercard and Walmart Credit Card will never expire. Below are the details on the bonus categories of the Walmart Mastercard and Walmart Store Card.


Shopping online at and using the Walmart Mastercard or Store Card to pay for your purchase will earn you 3% cash back per $1 spent. This will also apply to purchases that you pay for online and pick up in store as well. If you're not an online shopper then this card would not be for you. You would be better off with a 2% card like the Citi Double Cash to earn rewards to apply towards Walmart.

2% Murphy USA

Walmart Mastercard and Walmart Store Card purchases at Murphy USA gas stations will earn 2% cash back per $1 spent. Murphy USA's are typically located near a Walmart and act as a partnering gas station which could make earning cash back with them very convienent. A few better choices consist of the Sam's Club Mastercard which earns 5% back at gas stations and the PNC Cash Rewards Card which earns 4% cash back. While those two cards do earn more, if you're able use the 3% category, keeping your rewards in one spot will help you build and redeem them faster.

2% Walmart Gas Stations

You will earn 2% cash back per $1 spent when you use the Walmart Mastercard or Walmart Store Card at Walmart Gas Stations. As with the Murphy USA category, this can be convienent after picking up your online order due to the fact these gas stations are usually not too far from Walmart. Walmart gas stations may not code as gas station. It depends on the card so your best bet would be this card or the Sam's Club Mastercard when it comes to spending at Walmart Gas Stations.

1% Non-Category

Any card spending on the Walmart Mastercard or Walmart Store Card will earn 1% cash back per $1 spent. The Walmart Mastercard can be used wherever Mastercard is accepted. The Walmart Store Card on the other hand doesn't have network so you will earn 1% on the Store Card when using it in-store at Walmart, Walmart Supercenters, Neighborhood Markets & Sam's Club. Earning 1% on any of these purchases is very low. I recommend picking up a card that satisfies other categories that you may do heavy spending in or at least a 1.5% cash back card such as the Capital One Quicksilver or Chase Freedom Unlimited Card.

Perks and Benefits

Special Financing Options

The Walmart Mastercard and Walmart Store Card both offer access to special 6-12 month financing options when it comes to big ticket items. This can be useful if you plan on buying something from Walmart but don't want to pay it all up front. Just be sure to pay it on time and pay it off because the APR on both of these cards are astronimical.

Sign Up Bonus

The Walmart Mastercard and Walmart Store Card sign up bonus is usually a $25-$30 statement credit when you open the card and make $25-$30 in purchases on the card on the day of opening. This assumes you're opening the card online while shopping or in-store. If you don't get approved immediately, you will receive a similar bonus in the mail. This sign up bonus do change from time to time. They may also offer special financing as well as a few other options.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Walmart Mastercard and Walmart Store Card does not have an annual fee. This means you will always be earning the max return when running spend through these cards.

Authorized User Fee

The authorized user fee for the Walmart Mastercard and Walmart Store Card is $0. If you have friends and family that shop at or visit either of the two gas stations, adding them will help bost your cash back earnings.

Foreign Transaction Fee

The foreign transaction fee for the Walmart Mastercard is 3% which means using this card outside of the United States will drain your rewards faster than you can earn them. I do not recommend using this card for international purchases. There are plenty of cards that would work better such as the Capital One Quicksilver Card and Barclay Uber Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2018-11-04

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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