Is the Walmart Credit Card Worth It in 2025? Here’s What You Need to Know
Notable features include tiered cashback rewards—3% on Walmart.com purchases, 2% at Walmart fuel stations, and 1% in physical Walmart stores. Cardholders can accumulate up to $75 in rewards annually, adding significant value for regular Walmart customers.
Additional benefits include overdraft protection up to $200 with eligible direct deposits, early access to paychecks (up to two days before standard payday), and a competitive 2% APY on savings balances up to $1,000.
Debit Card Prepaid Walmart: Alternative Option
The Walmart prepaid debit card (Mastercard) offers a similar feature set with a lower entry point at just $1. This Mastercard-branded option maintains the same reward structure as its Visa counterpart, with identical cashback percentages across Walmart’s online, fuel, and in-store purchasing channels.
The monthly fee structure mirrors the Visa option at $5.94, which can be waived with direct deposits totaling $500 or more within the previous monthly period. Family account options allow for up to four additional cardholders (age 13+) at no extra cost, facilitating shared finances among household members.
Key Differences Between Walmart Cards
While both cards share many similarities, several distinctions might influence a consumer’s choice:
- Network acceptance: The Visa option potentially offers wider global acceptance compared to the Mastercard alternative.
- Initial cost: The Mastercard option costs $2 less upfront ($1 vs. $3).
- Reload options: The Walmart Visa prepaid card features free cash reloads at Walmart stores using the MoneyCard app, an option not available with the debit card version.
- Access to funds: Both cards offer similar withdrawal options at ATMs, though fee structures may vary slightly between networks.
