introduction of 2 kinds of card

 Walmart has issued The CapOne Walmart Rewards card which can essentially be used anywhere you like — meaning that you’ll get rewarded for purchases made virtually anywhere Mastercard is accepted. 

Rewards:
• 5% back on purchases at Walmart.com and items purchased through the Walmart app. This includes items you buy online for in-store pickup as well as for Walmart Grocery Pickup and Delivery. (Gift cards earn 2% back regardless of where they are purchased.)
• 2% back for in-store purchases, including those made at Murphy USA and Walmart gas stations.
• 2% back at travel and restaurants.
• 1% back on all other purchases.

Annual fee：$0

Why you might want a Capital One Walmart Rewards Mastercard

You turn to Walmart for most household items

If Walmart is your source for both regular purchases (food, clothing, toiletries) and bigger buys (televisions, patio furniture, above-ground swimming pools), the Capital One® Walmart Rewards™ Mastercard® becomes a more compelling option. When it comes to rewards cards, earning more points where you spend the most is the sweet spot.

You’ve embraced technology

Shoppers can earn 5% rate extends to items you buy online and then pick up in store. You can also earn 5% back on Walmart Grocery Pickup and Delivery, a timesaver for anyone who dreads a trip to the grocery store.

You seek flexibility when redeeming rewards

Mastercard® gives you a pretty wide range of redemption options, much like the variety of the items Walmart sells. Redeem your points for:

• Statement credits.

• Gift cards.

• To cover a purchase.

• Travel.

• During checkout at Walmart.com.

No annual fees 

National averages for annual credit card fees are around $33, making the Walmart card much more affordable in comparison.

Why you might pass on the Capital One Walmart Rewards Mastercard

You’re loyal to a different 'everything store'

Inertia is strong, and if you habitually turn to other retailers and are happy with them, the Capital One Walmart Reward Mastercard may not motivate you enough to change how you shop.

You prefer to shop in person

Speaking of where you already shop, sometimes you just want to see products in person before you buy. But once you hit the one-year mark with the Capital One® Walmart Rewards™ Mastercard®, you’ll no longer earn 5% in-store by using Walmart Pay (your rewards rate will drop down to 2%). 

You want a higher rewards rate on specific spending ...

Earning 2% back on restaurants and travel definitely elevates this card above store cards that reward you only for shopping at that specific retailer. But if dining out and travel make up larger line items on your budget, other cards dole out the points more generously or offer more optimal redemption values.

You don’t want high APR.

Compared to an average 15.18% for traditional credit cards , the Walmart Credit Card is a bad idea for anyone who tends to carry a balance, as their APR well over 20%.

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Should You Apply for the Walmart Rewards Mastercard?

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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