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Air Miles Rewards Aeroplan Rewards Amex Membership Rewards BMO Rewards RBC Rewards Perks & Insurance Mobile Phone Insurance Rental Car Insurance Trip Cancellation Insurance Purchase Insurance Roadside Assistance Travel Insurance for Age 65 & Over Your Credit Score Credit Score Guide Cards By Credit Score Poor Credit Fair Credit Good Credit Very Good Credit Excellent Credit Credit Score 101 An Infographic Guide To Your Credit Score What Is A Good Credit Score? Does Applying For A Credit Card Hurt Your Credit Score? Soft Credit Check Vs. Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz Mastercard Walmart Walmart Rewards World Mastercard 3.2 Genius Rating 1.1 (13) User reviews Looking for a Walmart Mastercard? You'll earn an abundance of Walmart Rewards with the Walmart World Mastercard, both in-store and online. Plus, it comes with purchase protection and no annual fee. $0.00 Annual fee Learn more $25 ◊ Welcome bonus Learn more $264 ◊ Annual rewards Learn more Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure. Apply Now Add to wallet Credit estimate:  (760 - 900) Instant approval: Yes Mastercard Walmart Walmart Rewards World Mastercard 3.2 Genius Rating 1.1 (13) User reviews Apply Now Add to wallet Looking for a Walmart Mastercard? You'll earn an abundance of Walmart Rewards with the Walmart World Mastercard, both in-store and online. Plus, it comes with purchase protection and no annual fee. $0.00 Annual fee Learn more $25 ◊ Welcome bonus Learn more $264 ◊ Annual rewards Learn more Credit estimate:  (760 - 900) Instant approval: Yes Find your top card | Read our disclosure creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Monthly Spending: $ View Breakdown Pros & Cons Your Rewards Compare Cards Details and Eligibility Insurance Coverage Genius Rating Our Review Key Benefits User Reviews (13) Pairs Well With Pros & cons Pros Up to 3% back on purchases. No annual fee. Cons Rewards can only be redeemed at Walmart. Minimal insurance included. Your rewards Getting your welcome bonus Based on $2,000 in monthly spending, you can get up to an estimated $25 . ◊ For all welcome bonus details click here . How you earn rewards Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With Walmart Rewards World Mastercard , here's how you earn rewards: 3% back in Walmart Rewards at Walmart 1% back in Walmart Rewards on all other purchases For all reward details click here . How much your rewards are worth The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For Walmart Rewards World Mastercard in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose: Walmart stores $264   Walmart stores $264 This card doesn't offer any rewards. Calculating your annual rewards $24,000 annual spending x 1.10% return on spending = $264 annual rewards $264 annual rewards − $0.00 annual fee = $264 net annual rewards Top related credit cards Compare similar cards side-by-side. Tangerine ® Money-Back World Mastercard ® * GC: $120 3.1 Genius Rating 3.3 (23) User Reviews   $273 Annual Rewards $120 Welcome Bonus $0.00 Annual Fee Learn More MBNA Rewards Platinum Plus ® Mastercard ® GC: $100 3.0 Genius Rating 3.3 (11) User Reviews   $370 Annual Rewards $118 Welcome Bonus $0.00 Annual Fee Learn More BMO eclipse rise Visa * Card GC: $125 2.9 Genius Rating 0.0 (0) User Reviews   $209 Annual Rewards $134 Welcome Bonus $0.00 Annual Fee Learn More BMO CashBack ® Mastercard ® * GC: $20 2.8 Genius Rating 2.5 (14) User Reviews   $243 Annual Rewards $100 Welcome Bonus $0.00 Annual Fee Learn More SimplyCash ® Card from American Express 2.6 Genius Rating 4.0 (23) User Reviews   $350 Annual Rewards $71 Welcome Bonus $0.00 Annual Fee Learn More BMO AIR MILES ® † Mastercard ® * GC: $20 2.6 Genius Rating 3.7 (21) User Reviews   $155 Annual Rewards $318 Welcome Bonus $0.00 Annual Fee Learn More Home Trust Preferred Visa 2.2 Genius Rating 2.6 (168) User Reviews   $240 Annual Rewards $0 Welcome Bonus $0.00 Annual Fee Learn More Neo Mastercard ® 2.0 Genius Rating 2.0 (39) User Reviews   $126 Annual Rewards $25 Welcome Bonus $0.00 Annual Fee Learn More Neo Everyday Account 1.6 Genius Rating 4.0 (3) User Reviews   $126 Annual Rewards $0 Welcome Bonus $0.00 Annual Fee Learn More Neo Secured Credit 1.3 Genius Rating 2.2 (17) User Reviews   $126 Annual Rewards $0 Welcome Bonus $95.88 Annual Fee Learn More Details and eligibility Do I qualify? Estimated Credit Score 760 - 900 Personal Income N/A Household Income $100,000 Canadian resident who has reached the provincial age of majority. Fees Annual Fee $0.00 Extra Card Fee $0 Card type Credit Interest rates Purchase 21.89% Cash Advance 22.97% Balance Transfer 22.97% Insurance coverage Extended Warranty 1 year Purchase Protection 90 days Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply. Learn more about the value of credit card insurance coverage. Genius Rating Walmart Rewards World Mastercard's 3.2 Genius Rating is based on the weighted average of the following scores: Rewards 2.1 Fees 4.3 Insurance 0.6 Interest 1.8 Perks 0.8 Approval 0.4 Acceptance 5.0 User Reviews 1.1 Methodology All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features. Learn more about our rating methodology. Top cards from Mastercard GC: $150 BMO CashBack ® World Elite ® * Mastercard ® * Exclusive: Up to $480 bonus cash back + First year fee waived. * GC: $100 MBNA Rewards World Elite ® Mastercard ® Up to 30,000 bonus points + birthday bonus worth up to 15k points. * GC: $100 MBNA Rewards World Elite ® Mastercard ® (QC) Up to 20,000 bonus points + Annual bonus worth up to 15k points. * Walmart World Mastercard review Written by creditcardGenius Team   Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. If you do a lot of shopping at Walmart, you may be interested in getting a Walmart Mastercard. One of the best credit cards for Walmart is the Walmart Rewards World Mastercard. It offers an excellent return on your purchases, both in-store and online at Walmart.ca. With this card, you can get up to 3% back on your purchases, all without having to pay a cent in annual fees. Let's take a look to see what else this Walmart Mastercard can offer you. In this article Earning Walmart Rewards with your Walmart Mastercard Other benefits of the Walmart World Mastercard Walmart Rewards World Mastercard downsides Comparison to the Walmart Rewards Mastercard FAQ Earning Walmart Rewards with your Walmart Mastercard With the Walmart World Mastercard, you will earn Walmart Rewards Dollars, which is common among every Walmart Mastercard on offer. Walmart Dollars can be used to help pay for the things you buy, either at the cash register or when shopping online . Here's the rewards you'll get at a glance: 3% back in Walmart Rewards at Walmart 1% back in Walmart Rewards on all other purchases If you find yourself shopping primarily at Walmart, having a Walmart Mastercard like this one is a fine choice for a credit card. All in all, you'll be doing better than some other no fee credit cards as you're guaranteed to earn back over 1% – some credit cards will only net you half of that as a base rate. And another nice thing is that the conversion between a Walmart Rewards Dollar and a regular Canadian dollar is 1 to 1. You can use anything you earn from a Walmart Mastercard towards anything in-store or online, but you'll need to redeem them in $5 increments. Other benefits of the Walmart World Mastercard This is the best Walmart Mastercard of the 2 available, and here are some of the nice benefits you can expect when you own this card. 1. This Walmart Mastercard has no annual fee Here's a really nice surprise that you're in for: this card has no annual fee . There are very few World Mastercards that have no annual fee, and this is one of them. So you'll also get a few World Mastercard benefits on top of all those high earn rates. 2. Easy to earn welcome bonus It isn't much, but you can earn up to $25 Walmart Dollars by completing these activities: 15 Dollars after making 1 purchase at Walmart and 1 other purchase anywhere else, and 10 Dollars after signing up for electronic statements. It's an easy $25 you can add to your rewards bank. It doesn't involve making tens of thousands worth of purchases or jumping through financial hoops for 6 straight months just to get a few bonus points here or there. Walmart Rewards World Mastercard downsides However, that's the extent of what this card provides. Here are a couple of things to keep in mind. 1. High income requirements for a Walmart Mastercard Since it's a World Mastercard, you'll need either a personal income of $50,000 or a household income of $80,000 to qualify for this card. While that's standard among World Mastercards, it's very high for a no annual fee card. 2. Limited amounts of insurance included Even though it's a World Mastercard, the insurance included is quite limited. You'll only be getting basic extended warranty and purchase protection. If you were thinking more insurance was coming because it's a World Mastercard, you may be a little disappointed. Comparison to the Walmart Rewards Mastercard Don't meet the high income requirements? There is another Walmart Mastercard for you to consider – the Walmart Rewards Mastercard. Let's compare what these 2 Walmart Mastercards have to offer. Walmart World Mastercard Walmart Mastercard Earn Rates * 3% back in Walmart Rewards at Walmart * 1% back in Walmart Rewards on all other purchases * 3% back in Walmart Rewards at Walmart * 1% back in Walmart Rewards on all other purchases Insurance Included 2 types included 0 types included Annual Fee $0 $0 Income Requirements $50K personal or $80K household None They're actually the same card. The only real difference is the World card comes with standard World Mastercard benefits. Otherwise, you're really not missing out on much. Have this Walmart Mastercard? We'd like to hear from you! This is just one opinion about this card – a user perspective is also helpful for anyone thinking about getting it. Do you have, or have you had, this card in the past? Leave us a user review so others can see what you think of it. FAQ What does the Walmart World Mastercard offer for rewards? The Walmart World Mastercard earns Walmart Rewards Dollars at these rates: 3% back in Walmart Rewards at Walmart 1% back in Walmart Rewards on all other purchases Walmart Rewards can be used towards any purchase either in-store or online at Walmart Canada. What benefits does the Walmart World Mastercard provide? With the Walmart World Mastercard , you'll get standard World Mastercard benefits, as well as 2 types of insurance. What is the annual fee and income requirements of the Walmart World Mastercard? The Walmart World Mastercard has no annual fee and income requirements of either $60,000 personal or $100,000 household. How does this compare with the standard Walmart Mastercard? There are 2 versions of the Walmart Mastercard , the Walmart World Mastercard and the standard Walmart Rewards Mastercard. They're actually the same card, the only difference being the World Mastercard benefits. People also viewed Vancity enviro ™ Visa * Classic card with Vancity Rewards 1 point for every $2 spent on purchases + No annual fee. * Scotia Momentum No-Fee Visa Card 5% cash back for the first 3 months + No annual fee. * Simplii Financial ™ Cash Back Visa * Card Up to 8% cash back on purchases + No annual fee. * Key benefits Earn Walmart Rewards for no annual fee. Earn 3% back at Walmart and walmart.ca. Earn 1% back in Walmart Rewards on all other purchases. Get extended warranty and purchase protection insurance. Redeem rewards when you have as little as $5. No annual fee. User review s 1.1 out of 5 Reviewed by 13 Canadian s Add Review 5 stars 0% 4 stars 0% 3 stars 0% 2 stars 8% 1 stars 92% Add Review Do you own this card? I have it I canned it × How good is this card overall? × Rate the application process: Rate the customer service: Thank you for your review! Hang tight while we verify and approve it. If you want to see your review right away... Create an account: Name * Email * Password * Password requirements: At least 8 characters long At least one lower case letter At least one upper case letter At least one number At least one special character Password confirmed Password best practices Please send me credit card deals, news, reviews, and tips directly to my inbox. It only takes one click to unsubscribe. By clicking the button below, you agree to our Privacy Policy and Terms and Conditions .   Login SANJAY 2 months ago 1 Terrible Experience with Walmart Mastercard I had an extremely frustrating experience with the Walmart Mastercard and cannot recommend it to anyone. The biggest issue? There’s no dedicated mobile app to make payments. Every single time I need to pay my bill, I’m forced to log in to the online platform — which is inconvenient and feels outdated. Worse — my account gets locked constantly. Every time that happens, I have to call customer service, wait on hold, and spend at least 20 minutes just to get my account unlocked. It’s exhausting. Today was the final straw. I had a $10 credit in my account and simply asked for a refund. The representatives couldn’t help me — they kept transferring me between departments, offering no real solution. And then, without warning or explanation, they closed my Walmart account. Customer service was unhelpful, disorganized, and clearly not empowered to resolve basic issues. This has been one of the worst financial experiences I’ve ever had. If you value your time, peace of mind, and decent customer support — avoid the Walmart Mastercard. I hope Walmart and Capital One take this seriously and fix: ✅ A real payment app ✅ Fewer unnecessary account lockouts ✅ Trained, empowered customer service ✅ Basic refund processing Until then — I’m done. Alex 3 months ago 1 It's a scam...stay away...I paid in full my statement (even paid 50 cents more just to round it)3 days before due date and next statement they say iam owe 30 cents more for purchase interest...its insane Gihan 4 months ago 1 One of the Worst Customer Service Experiences and a Misleading Credit Card The Walmart World Mastercard clearly states in the agreement that the Extended Warranty benefit is included free of charge. However, the company Securian silently charged a fee for one year without prior notification. When I contacted them, they claimed it was a decision made by the Walmart Mastercard provider. But upon reaching out to Walmart Mastercard, I was told it's out of their hands and that I should speak to Securian—clearly a case of passing responsibility. I had specifically transferred from the regular card to the World Mastercard based on the assurance of this free benefit. Due to such irresponsible and misleading practices, I have decided to cancel my card with immediate effect. Having been a Walmart cardholder for nearly 3 years, I can confidently say that the benefits are minimal and not competitive, even when compared to paid cards or other no-annual-fee credit cards in the market. I strongly advise others to be cautious before signing up for the Walmart Rewards Mastercard, especially during in-store promotions where it’s aggressively marketed. Don’t fall for the misleading claims. MJ 7 months ago 1 Don't recommend it at all. Worst customer service Rewards will be used only at Walmart stores. High interest rate AK a year ago 1 Inconsiderate customer service and not helpful. I would not recommend this card. Customer service lacks courtesy and are oversees representatives. 1 2 3 Pairs well with... 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Built in 2017, for Canadians by Canadians, creditcardGenius is trusted by more than 200,000 people every month, 50,000 newsletter subscribers, and 15M people since launch. Read more about creditcardGenius About creditcardGenius About creditcardGenius Team The creditcardGenius team of writers is dedicated to bringing factual, helpful, and thorough information to Canadian consumers. Each piece of content goes through a 3-step review process because quality is important to us. Read more about creditcardGenius Team About creditcardGenius Team Rating Methodology The most comprehensive credit card rating system in Canada. Featured In The Genius Is You. Get hot credit card tips, news, reviews, and exclusive offers directly to your inbox. Only legit stuff gets sent. And it only takes one click to unsubscribe - so give it a try. Have a second? Let us know how we can make your experience better. Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Read our detailed disclosure about how CCG makes money. Never miss a deal Unlock VIP-access to exclusive GeniusCash deals, credit card offers, and the biggest money news. Bonus : Get our 250+ page money-saving eBook for free. We promise to keep your email safe. We hate spam too. Unlock my deals Glad we could help you choose the right credit card for you. Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. Glad we could help you choose the right credit card for you. Before you continue your application ... Never Miss A Deal Want to get hot credit card news and offers directly to your inbox? Bonus : Get our free 250+ page eBook that will save you $1000s per year Keep Me Updated No thanks, I don’t want credit card deals. 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