Walmart Rewards Points Calculators

Walmart Rewards Points Calculators for earning and redeeming rewards earned with the Capital One Walmart Mastercard. Calculate total points and cash value.

Program Details

Walmart is an American retail company, headquartered out of Bentonville, Arkansas, that covers just about every category you can think of including electronics, jewelry, clothing, auto, photo finishing, home and furniture, pet supplies and sporting goods. With over 11,000 stores worldwide, they are the world's largest company by revenue and largest private employer in the world.

Walmart also owns Sam's Club which is an American membership-only warehouse club. Sam's Club has a little under 600 locations in the United States as well as other locations in Mexico, China, and Brazil. Sam's Club operates it's own Sam's Club Cash Rewards Program and offers the Sam's Club Mastercard for those who want to earn rewards on everyday spend.

Credit Card Rewards Calculators

The Walmart Rewards Credit Card Calculators will calculate how many Walmart Rewards Points you can earn based on your monthly/yearly spend across categories. It will also output the cash value of the card based on spend, how much you value the card benefits, and annual fees (if applicable).

Compare credit cards side by side based on spend, benefits and fees.

You can compare the results side by side any credit cards featured on the site to find out which earns you the most rewards and the best return. If cookies are enabled, all spend entered (primary/first column only) will carry over to all credit card calculators on the website.

Best Credit Cards For Walmart Spend

If you're a dedicated Walmart shopper, you'll want to make sure you're getting the most back on your spend. The Best Credit Cards Calculators below will list out the best cards for you based on how much you spend in-store and online at Walmart.

United States Walmart Credit Card Calculators

Walmart has two credit cards offered by Capital One which consists of a Mastercard and a store card. The Walmart Rewards Mastercard and Walmart Rewards Store Card both earn the same amount of Walmart Rewards Points on all Walmart related purchases. The difference is that the Mastercard can be used to pick up additional bonus points on travel and dining purchases along with the ability to earn points on all non-category purchases as well. The Walmart Rewards Store Card does not have a network, so it can only be used on Walmart related purchases.

Redeeming Rewards & Cash Value

The Walmart Rewards Program is available to those who own the Capital One Walmart Mastercard or Capital One Walmart Store Card. You'll earn Walmart Rewards Points as you run spend through either of these cards and you'll be able to view your rewards as well as manage them through either or the Capital One Mobile app.

Rewards Points earned with either Walmart credit card will not expire as long as your account is opened. Closing your account will forfeit all of your Walmart Rewards Points.

redeem walmart rewards points
You have a few options when it comes to redeeming your Walmart Rewards Points.

Redeeming Walmart Rewards Points

If you're familiar with how Capital One works it's own cash back and miles rewards cards, redeeming your Walmart Rewards Points will feel no different. Generally, using your points to cover past purchases or using them as statement credits will be the better option. This is because you can still earn rewards on your initial purchase and then turn around and use your rewards towards that purchase. If you use your points directly, say at checkout, you will not end up using your Walmart credit card so you will not earn any points. You'll just be redeeming them without earning any kind of rewards.

Redeeming Points At Checkout

Walmart Rewards Points earned with the Walmart Rewards Mastercard and Walmart Store Card can be used towards purchases made at checkout. During checkout, you will be asked to specify how much cash back you want to apply towards your purchase. Those points will then be deducted from your balance and applied to your account in the form of a credit 2-3 business days later.

Redeeming Points For Previous Purchases

Walmart Rewards Points earned with the Walmart Rewards Mastercard and Walmart Store Card can be applied to purchases you've already made with Walmart. You can do this through the Capital One App or through The redemption must be made within 90 days of the purchase posting to your account and will post to your account as a credit within 2-3 business days. Redemptions for a portion of a purchase amount (partial redemptions) are also available using this method.

Other Redemption Options

Walmart Rewards Points earned with the Walmart Rewards Mastercard and Walmart Store Card can also be used for account credits for other non-Walmart purchases and be used to pick up gift cards. Those who have the Walmart Rewards Mastercard will also be able to redeem their rewards for travel which includes flights, car rentals, and hotels. Travel redemptions are at a 1:1 ratio meaning 1 point equals 1 cent towards travel. Those with the Walmart Rewards Store Card will not be able to redeem their rewards for travel.

Walmart Rewards Points Value Calculator

Walmart Rewards Points are of course displayed in points, but you're really just earning cash back. One point earned with Walmart is equal to 1 cent in cash back. So if you have 100 points, you have $1 in cash back. You can use the Walmart Rewards Calculator below to calculate the cash value of your Walmart Rewards Points.

Walmart Rewards Points Value Calculator
All Redemptions
1 Cent Each

Other Useful Information

If you haven't already, you'll want to create a account. This will make shopping with your Walmart credit card easier and allow you to do a number of other things including:

  • Track Orders
  • Access Walmart Pharmacy History/Prescriptions
  • Create Lists of Items For Easy Purchasing
  • Create Gift Registries
  • Enjoy Movies From Walmart's Digital Library

Once you create an account it will be easier to checkout and earn Walmart Rewards Points on your purchases at as well as seamlessly allow you to use your earned rewards at checkout whenever you want to.

Online Portals +

If you're looking to earn even more rewards shopping at, make sure that you use online cash back and shopping portals. Online shopping portals are free to use and they allow you to double dip on rewards by offering points, miles or cash back in addition to the Walmart Rewards Points you'll already earn using your Walmart Credit Card through Walmart's website. Here's how they work:

  1. You find the store on the online portal of your choosing
  2. Click on that portal's affiliate link for that store
  3. You'll land on the store's normal home page to shop as normal
  4. Once you make a purchase, the shopping portal will be notified
  5. You'll earn cash back (or other rewards) with that online portal
rakuten rewards walmart
You can earn as high as 10% cash back or more shopping across various categories at using cash back portals.

There are lots of popular cash back portals and they all pretty much operate the same when it comes to redeeming your rewards. You can check out my reviews on all of the top cash back portals which includes:

You can also shop at Walmart using shopping portals which earns you points or miles with your favorite programs. This usually will be in the form of airline miles or hotel rewards points. Using shopping portals can be useful if you have a favorite airline or hotel rewards program that you want to earn extra miles with. Why earn only Walmart Rewards Points when you can earn Walmart Rewards Points and miles/points with your favorite loyalty program?

walmart aadvantage eshopping
Earn AAdvantage Miles as well as Walmart Rewards Points using the AAdvantage eShopping portal.

I recommend reading up on using portals and incorporating them into your online spend with Walmart and everything else online. I've earned almost $2,000 using online shopping portals shopping online in which most is from booking flights, renting cars, and reserving hotels.


Does Walmart have a rewards program?

Yes. The Walmart Rewards Program is available for those who own either the Capital One Walmart Mastercard or Capital One Walmart (Store) Card.

What can you use Walmart Rewards Points for?

Walmart Rewards Points can be used at the register during checkout or they can be redeem for previous purchases made to your Capital One Walmart Rewards Card. If you have the Mastercard, you can use them for travel which includes flights, car rentals, and hotels.

How do I redeem my Walmart rewards points?

Walmart Rewards Points can either be redeemed through, the Capital One mobile app, or directly on at checkout.

How much are Walmart Rewards Points worth?

Walmart Rewards Points are worth 1 cent each. So 100 points would be equal to $1 in cash rewards.

Is the Walmart Mastercard worth it?

If you frequently shop on, I highly recommend picking up the Walmart Mastercard since it has no annual fee and you'll be earning 5% cash back online.

Is the Walmart Rewards Card the best card for maximizing my spend at Walmart?

In most cases it will be if you shop on If you shop in-store, you can use the Best Credit Cards For Walmart Purchases Calculator to get a list of the top cards based on your spend (in-store and online).

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