Synchrony no longer offers this card. The Capital One Walmart Rewards Mastercard has taken it's place.

Walmart Mastercard (Synchrony)

Review & Walmart Cash Back Calculator
3% Walmart.com
2% Murphy Gas
2% Walmart Gas
1% Walmart (in-store)

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 remain here for history purposes.


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 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 Walmart.com, 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.

  • 3% Walmart.com
    • Walmart in-store purchases will not earn at the 3% rate.
  • 2% Walmart Gas Station
  • 2% Murphy Gas Station
  • 1% Non-Category
    • This includes shopping in-store at Walmart and other Walmart purchases not made through Walmart.com.
    • This category is not featured on the Walmart Store Card.

Perks & Benefits

The Walmart Mastercard and Walmart Store Card only feature one benefit which is special financing on large Walmart purchases.

  • Special Financing Option
    • 6-12 month financing.

Sign Up Bonus (SUB)

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.

Fees

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 Walmart.com 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 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 other rewards card side-by-side by clicking on the Compare A Card button.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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The sum of all spend and bonuses above this line and the cash value of it all.
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Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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The total estimated value you can get out of this card and the amount of return for your spend.
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Total Return
The percent you are earning based on spend, earnings, and fees.

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