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 $3,000 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 $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Walmart stores | $396 |
Calculating your annual rewards
$36,000 annual spending x 1.10% return on spending = $396 annual rewards
$396 annual rewards − $0.00 annual fee = $396 net annual rewards
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1x Award Winner
Details and eligibility
- Estimated Credit Score
- 760 - 900
- Personal Income
- N/A
- Household Income
- $100,000
- Annual Fee
- $0.00
- Extra Card Fee
- $0
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
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 3.3 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from Mastercard
GC: $150
Walmart World Mastercard review
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.
Earning Walmart Rewards with your Walmart Mastercard
With the Walmart World Mastercard, you will earn Walmart Rewards Dollars, the common Walmart Mastercard reward currency. Walmart Dollars can be used to help pay for the things you buy, either at the cash register or when shopping online.
Here are those rewards 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, this Walmart Mastercard is a fine choice. All in all, you'll be doing better than some other no-fee credit cards, as you're guaranteed to earn back over 1% – the base rate of many credit cards will only net you half of that.
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 better of the 2 Walmart Mastercards available, and here are some of the benefits you can expect when you own it.
1. A World Mastercard with 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 don't charge an annual fee, so this card is a standout in that respect. And you'll also get a few World Mastercard benefits on top of all those high earn rates.
2. Easy-to-earn welcome bonus
You can earn 25 Walmart Dollars by making a single-receipt purchase worth at least $75 (taxes included) at a Walmart Canada location or walmart.ca. Just ensure that you:
- Charge the purchase to your Walmart Rewards World Mastercard
- Complete the transaction within 30 days of your application approval
The $25 should appear in your Walmart Rewards account within 5 business days of the purchase. Just note that you can't combine the welcome bonus with any other Walmart offer or promotion. It's not a lot, but it's an easy way to top up your rewards bank that doesn't require jumping through a bunch of hoops.
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 a minimum household income of $100,000 to qualify.
While that's fairly standard among World Mastercards, it's very high for a card with no annual fee.
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 requirement? There is another Walmart Mastercard for you to consider – the
Let's compare what these 2 Walmart Mastercards have to offer.
| Walmart Rewards World Mastercard | Walmart Rewards 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 | $100,000 household | None |
They're essentially the same card. The only real difference is that 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 our opinion about this card; user insight is also helpful for anyone thinking about getting it.
Do (or did) you have this card? Tell us about it and let others see what you have to say!
FAQ
What does the Walmart Rewards World Mastercard offer for rewards?
The Walmart Rewards 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 Rewards World Mastercard provide?
With the Walmart Rewards 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 Rewards World Mastercard?
This Walmart World Mastercard has no annual fee and a minimum household income requirement of $100,000.
How does this compare with the standard Walmart Mastercard?
There are 2 versions of the Walmart Mastercard: the Walmart Rewards World Mastercard and the standard Walmart Rewards Mastercard. They're practically the same card, only differentiated by the World Mastercard benefits.
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User reviews
Reviewed by 13 Canadians
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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.
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
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.
Don't recommend it at all.
Worst customer service
Rewards will be used only at Walmart stores.
High interest rate
Inconsiderate customer service and not helpful. I would not recommend this card. Customer service lacks courtesy and are oversees representatives.
