What Credit Cards Can Be Used at Walmart in Canada?

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Last updated on June 9, 2022 Comments: 10

In an effort to incentivize customer loyalty, Walmart now issues its own Canadian Mastercards, which earn rewards that can be redeemed in brick-and-mortar Walmart stores or at Walmart.ca. But Canadians have no shortage of cash back and rewards cards to consider, and some of the other options out there might actually be more lucrative than Walmart’s official Mastercards, depending on your shopping habits.

Finding the right credit card for Walmart is a matter of knowing what kind of Walmart shopper you are and what share of your purchases are made at Walmart vs. other retailers. Do you spend a lot of money in Walmart Supercentres? In that case, go with a Mastercard that earns extra cash back on groceries. Or do you make the bulk of your Walmart purchases on Walmart.ca? Then hopefully you’ll qualify for Walmart’s World Mastercard, which is really advantageous for online shopping.

What Credit Cards Does Walmart Canada Accept?

Walmart is a flexible retailer in that all credit and debit cards are accepted in any of its stores, including Visa, Amex, and Mastercard. Though there was a minor dispute between Visa and Walmart Canada in 2017 over interchange fees, the situation has since been resolved. Visa was briefly banned in some stores in Ontario, but the companies reached a compromise that saw the return of Visa as an accepted payment method at any Walmart in Canada.

Is Walmart Considered a Grocery Store by Credit Cards?

Though you can use a Visa, Amex, or Mastercard to make purchases at all Walmart stores, Visa and Amex don’t categorize any type of Canadian Walmart as a grocery store. Reports from shoppers indicate Mastercard is the only card processor that treats Walmart Supercentres as grocery stores (Merchant Category Code 5411), though it still treats ‘regular’ Walmart locations as warehouses/wholesale stores.

Why is this important? If you shop frequently at Walmart Supercentres you can pile up a heap of rewards/cash back by paying with a Mastercard that has a high grocery earn rate. But if you tend to shop at regular Walmart stores it makes more sense to go with a credit card that has a high base earn rate on all purchases.

Learn more about Merchant Category Codes (MCCs) and how to use them to your benefit.

The Best Credit Cards Canadians Can Use at Walmart

It might surprise some readers to learn that Walmart’s official Mastercards aren’t always the most profitable cards for Walmart purchases. Cardholders must also consider that Walmart will not be the only place they shop, though we’ve outlined the best cards for those who rely on the mega-retailer for most of their shopping.

Credit CardAnnual FeeWelcome OfferRewards/Cash Back at Walmart 
Walmart RewardsTM Mastercard®$0Up to 25 Walmart Reward Dollars1%–1.25%Read More
BMO CashBack® Mastercard®*$0Up to 5% cash back in first 3 months + $50 bonus*0.5%–3%*Read More
BMO CashBack® World Elite®* Mastercard®*$120 (first year rebated)10% cash back on all purchases for three months + annual fee rebate*1%–5%*Read More
SimplyCashTM Card from American Express$04% cash back for six months (conditions apply)1.25%Read More
SimplyCashTM Preferred Card from American Express$9910% cash back for four months (conditions apply)2%Read More
Rogers World Elite Mastercard$0$25 cash back bonus (conditions apply)1.5% cash backRead More

Walmart RewardsTM Mastercard®

Apply Now
Who’s Eligible?
– Minimum Credit Score: Fair-Good
– Minimum Income: $0
– Age: Age of majority in province/territory
– Residency: Canadian resident

The official Walmart RewardsTM Mastercard® is a great way to begin saving instantly at Walmart stores across Canada. Its earn rate is strong considering its $0 annual fee: each purchase at any Walmart store (or Walmart.ca) earns 1.25% back in Walmart Reward Dollars. Purchases made elsewhere earn these rewards at a rate of 1%. Walmart Reward Dollars are redeemable online and at the register in any Walmart, where cardholders can simply tap their card and redeem as little as $5 instantly. Customers can also order a Walmart credit card for their spouse or partner at no extra charge and will get up to 25 Walmart Reward Dollars the first time they sign up.

Though its earn rates are good for such an accessible, no annual fee card, it does have a notable achilles heel: Reward Dollars can only be redeemed at Walmart itself, so it’s somewhat inflexible compared to regular cash back cards, which usually allow you to redeem your cash back directly against your card’s balance.

  • Annual Fee: $0
  • Welcome Offer: Up to 25 Walmart Reward Dollars for new cardholders
  • Rewards Rates: 1.25% at Walmart or Walmart.ca; 1% elsewhere

If you have an annual income of at least $100K you’ll qualify for the Walmart RewardsTM World Mastercard®, which earns special rates of 3% on walmart.ca purchases and 1.25% on gas purchases, in addition to the regular card’s 1.25% at brick-and-mortar Walmart locations and 1% everywhere else.

Apply for the Walmart RewardsTM Mastercard®

BMO CashBack® Mastercard®

Apply Now
Who’s Eligible?
– Minimum Credit Score: Fair-Good
– Minimum Income: $15,000
– Age: Age of majority in province/territory
– Residency: Canadian resident

The BMO CashBack® Mastercard® is the ideal fit for people who prefer not to pay an annual fee for their credit card and who shop a lot at Walmart Supercentres, where the Mastercard’s 3% cash back rate on groceries applies. Cash back can be redeemed against your card statement whenever you want, which is a particularly flexible policy.

That said, keep in mind that the card will earn a relatively meagre 0.5% at regular Walmart discount stores, so it’s not such a boon unless you do the lion’s share of your Walmart shopping in Supercentres. Another potential drawback is that the high 3% earn rate is limited—it only applies to $500 spent on groceries per month ($15 in cash back); after you cross that maximum you’ll only earn 0.5% per month on groceries until the next month starts*. If you find that you’re spending more than $500 per month on groceries it probably makes sense to pay an annual fee for an upper-tier card with a higher earn rate.

  • Annual Fee: $0
  • Welcome Offer: Get up to 5% cash back in your first 3 months, plus a $50 cash back bonus (when you spend $6,000) in your first year—that’s up to $175 cash back in your first year!*
  • Regular Cash Back: 3% on groceries; 1% on recurring bills (conditions apply); 0.5% on all other purchases*
  • Balance Transfer Promotion: 1.99% interest on balance transfers for 9 months + 1% transfer fee*

Apply for the BMO CashBack® Mastercard®* or learn more by reading our complete BMO CashBack® Mastercard® review.

*Terms and conditions apply

BMO CashBack® World Elite®* Mastercard®*

Apply Now
Who’s Eligible?
– Minimum Credit Score: Good-Excellent
– Minimum Income: $80,000 individual/$150,000 household
– Age: Age of majority in province or territory
– Residency: Canadian resident
– Other: No bankruptcy in the past seven years

The BMO CashBack® World Elite®* Mastercard®* has an amped-up 5% cash back rate for up to $500 spent on groceries per month* (i.e., up to $25 in cash back per month). Those who max out that monthly limit at Walmart Supercentres can earn up to $300 in cash back over the course of a year, which is way more than double the card’s $120 annual fee.

Unfortunately its base cash back earn rate, which will apply to regular Walmart stores, is only 1%*. That said, its welcome offer is among the strongest offered by any cash back card in Canada (see below), and items you buy with the card benefit from some of the best extended warranty and purchase protection coverage offered by any credit card in Canada as well.

  • Annual Fee: $120
  • Welcome Offer: 10% cash back for the first three months, up to $2,600 in spending ($260 cash back) + first year annual fee rebate*
  • Regular Cash Back Rates: 5% back on groceries (up to $500 spent per month)*; 4% back on ground transit (up to $300 spent per month)*; 3% back on gas and electric vehicle charging (up to $300 spent per month)*; 2% back on recurring bills (up to $500 spent per month)*; and 1% back on everything else (unlimited)*
  • Shopping Coverage: Extra two years added to purchased items’ extended warranties + 180 days of purchase protection coverage if the items are stolen or damaged*

Apply for the BMO CashBack® World Elite®* Mastercard®* or learn more by reading our complete BMO CashBack® World Elite®* Mastercard®* review.

*Terms and conditions apply

SimplyCashTM Card from American Express

Apply Now
Who’s Eligible?
– Minimum Credit Score: Fair-Good
– Minimum Income: $0
– Age: 18+/Age of majority
– Residency: Canadian Resident

The regular SimplyCashTM Card from American Express (not to be confused with the SimplyCashTM Preferred Card from American Express below) works well for saving money at Walmart or any of the other Canadian stores where Amex cards are accepted.

New cardholders start off with an impressive 4% cash back rate for their first six months (maximum $200 cash back limit at that rate), and then earn 1.25% from there on out. Though this makes it even with the 1.25% collected by Walmart’s Mastercard at Walmart stores, unlike the official Walmart card, the cash back you earn with this Amex card can be redeemed directly against your card balance. SimplyCashTM Card from American Express cardholders will also appreciate that the card has no annual fee.

Though the insurance benefits for the standard SimplyCashTM Card from American Express aren’t as impressive as the insurance benefits for the Preferred card version, you’ll still get coverage for travel accidents, as well as extended warranties and insurance on newly purchased items.

  • Annual Fee: $0
  • Welcome Offer: New SimplyCashTM from American Express Cardmembers can earn 4% cash back on purchases (up to $200 cash back) for the first 6 months of Cardmembership
  • Regular Cash Back Rate: 1.25% on all purchases (unlimited)
  • Extra Benefits: Travel accident insurance; extended warranties and purchase protection

Apply for the SimplyCashTM Card from American Express  or learn more by reading our complete SimplyCashTM Card from American Express review.

SimplyCashTM Preferred Card from American Express

Apply Now
Who’s Eligible?
– Minimum Credit Score: Good-Excellent
– Minimum Income: $0
– Age: 18+/Age of majority
– Residency: Canadian Resident


New cardholders of the SimplyCashTM Preferred Card from American Express can grab a ton of cash back with an introductory 10% cash back rate in the first four months of membership ($400 cash back limit at that rate). Though its annual fee of $99 is on the higher end, the regular 2% cash back you earn on everything after the welcome offer ends makes it easy to earn this much and more in one year. And cardholders can also get $100 cash back for every referral they make (up to $1,500 per year). Add in a suite of comprehensive travel insurance and shopping coverage and this Amex card really starts to look like “the complete package.”

  • Annual Fee: $0
  • Welcome Offer: New SimplyCash™ Preferred Card from American Express Cardmembers can earn 10% cash back on all eligible purchases (up to $400 cash back) for the first 4 months of Cardmembership
  • Regular Cash Back Rate: 2% cash back afterwards on all purchases
  • Other Benefits: Comprehensive insurance coverage, referral bonuses, access to special events via American Express Experiences.

Apply for the SimplyCashTM Preferred Card from American Express or learn more by reading our complete SimplyCashTM Preferred Card from American Express review.

Rogers World Elite Mastercard

Apply Now
Who’s Eligible?
– Minimum Credit Score: Good-Excellent
– Minimum Income: $80,000 individual/$150,000 household
– Age: 18+/Age of majority
– Residency: Canadian Resident


The Rogers World Elite Mastercard has a high 1.5% flat cash back rate on all purchases in Canadian dollars, which makes it a great option for earning back at regular, non-Supercentre Walmart stores in Canada. Its 3% cash back on USD purchases also makes it ideal for snowbirds who shop at any Walmart store in the United States. This means that while you travel (or shop online at foreign eCommerce retails that accept US dollars), you’ll earn 0.5% above the universal 2.5% foreign transaction fees.

For such a comprehensive cash back deal, it’s surprising that the card has no annual fee. The cash back you earn is more flexible than Walmart’s Mastercard as well, as it can either be redeemed as a statement credit once yearly, or on-demand via the Mastercard app Pay with Rewards. A cherry on top comes in the form of a nice insurance package, which includes coverage for new purchases, rental vehicles, emergency medical needs and trip interruption and cancellation.

Just remember that the card’s annual income requirements can be prohibitive—$80,000 for individuals or $150,000 for households. It also has a rare annual $15,000 spending requirement just to maintain eligibility for the card; spend less than that and your card may be cancelled or demoted to another Rogers card with less favourable cash back rates, like the Rogers Platinum Mastercard.

  • Annual Fee: $0
  • Welcome Offer: $25 after making a purchase within the first three months of getting your card
  • Cash Back Rates: 1.5% cash back on all purchases made in CAD; 3% cash back on all purchases made in USD
  • Extra Benefits: Impressive insurance coverage for travelers; airport lounge access via Mastercard Airport Experiences; free Wi-Fi access at over 1M global hotspots

Apply for the Rogers World Elite Mastercard or learn more by reading our complete Rogers World Elite Mastercard review.

Walk Out of Walmart with More Savings

Walmart shoppers are consummate bargain hunters, and the easiest way to save an extra 1%–5% on top of Walmart’s super-low prices is to pay with the right credit card. Just remember the following:

  1. Walmart’s own credit cards are great for saving on Walmart purchases, but the rewards they earn are less flexible than what you’ll get from standard cash back cards.
  2. All Canadian credit cards are accepted at Walmart, but not all card processors categorize Walmart stores in the same way.
  3. When shopping at Walmart Supercentres it’s smart to use a Mastercard with a high earn rate on groceries.
  4. When shopping at regular Walmart discount stores it’s smart to use any credit card with a high base earn rate on all purchases.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

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Author Bio

GreedyRates is Canada’s go-to resource for all things personal finance. Our expert articles and videos cover every topic under the financial sun, including credit cards, credit scores, loans, bank accounts, budgeting, investing, RSPs, TFSAs, GICs, taxes, and more. Want our advice on a personal finance issue? Send us an email at [email protected] and we’ll gladly give you some free tips.

Article comments

Virginia M Awasis says:

Is Flexiti accepted at Wal-Mart

Daniel from GreedyRates says:

Hi Virginia,
It appears that Walmart is not part of the Flexiti Network at this time. For a full list of their partners, please visit https://flexiti.com/network

Umii says:

Does visa consider walmart supercenters as grocery?

Aaron Broverman says:

Unfortunately, on most Visa cards that offer points or cash back for grocery purchases, Walmart supercentres specifically do not count as grocery and fall under the “everything else” or “all other purchases points or cash back rate. To look into specific cards, read the fine print on the website for each card you are considering including the terms and conditions or benefits guide. These paragraphs will usually define what they consider an “eligible purchase.”

Ricky C says:

Right now, Scotia Bank Visa does not consider Walmart as Grocery purchase.

Aaron Broverman says:

Hi Ricky,
That’s the Scotiabank Momentum Visa and unfortunately, that’s true, but it’s specific to Supercentres only. You can still get the proper rewards rate for groceries at regular Walmarts. I just thought i’d add that clarification.

Jay S says:

Are the Rogers MC cards available to residents of Québec? Thanks

Nate Siegel says:

Hey Jay,


GreedyRates Staff

Jorge J Lopez says:

It’s so nice the credit cards , will be better if wall mart have a special designation on low interest
rate for seniors like any bank of Canada , that is : 12 % interest rate .

Thank you

The GreedyRates Team says:

Hey Jorge!

Thanks for the great comment! For future reference and for your safety, please refrain from posting your personal phone number because this is a public forum. If you want to give personal details and think it will help our recommendation, feel free to email us at [email protected] instead. Now, onto your inquiry. If you need a good low-interest credit card that works at Walmart, try the Amex Essential card. This one has an interest rate of just 8.99% on purchases and will work at any Walmart you go to. Walmart is great because it accepts nearly all credit cards and so you can remove this condition from your search and instead focus on low-interest cards, much like the great options we mention here. Best of luck!