Walmart Rewards World Mastercard and Walmart Rewards Mastercard review 2022
Are these no fee rewards cards really the best way to earn rewards at Walmart?
Are these no fee rewards cards really the best way to earn rewards at Walmart?
If you’re budget-conscious, there’s a good chance you opt to shop at Walmart. The big discount retailer serves as a one-stop shop for everything from groceries and household essentials to furniture and garden supplies. And with over 400 locations across Canada, there’s likely a store in your area, too. If the low prices weren’t incentive enough, you can also earn rewards when you use one of the store’s branded Walmart Mastercards.
Both are no fee cards that offer decent rewards, in the form of Walmart Reward Dollars, which you can spend like cash at Walmart stores. The best part is that the math is simple: 1 Walmart Reward Dollar = $1 to spend at Walmart or at online at Walmart.ca (you just have to use them in $5 increments). So essentially, the earn rates can be calculated similarly to a cash back credit card, with the caveat that they can only be used at Walmart.
The entry-level Walmart Rewards Mastercard caps out at 1.25% earned on every dollar spent in store at Walmart or online. The card also offers 1% at gas stations. The Walmart Rewards World Mastercard also offers 1.25% back in store at Walmart, but bumps the incentive up to 3% for online purchases and 1.25% at gas stations. Both cards earn 1% on purchases made anywhere else. Where the cards also differ is with the perks they offer (more on that below).
To help you decide if they’re right for you, we compare the cards and let you know which one is best suited to each type of shopper.
If you have a high household income (upwards of $100,000 annually) and shop at Walmart, this is a card to consider. This premium credit card rewards you on your spending, and especially generously online, where it offers 3% rewards. It also offers a slightly higher earn rate on gas (1.25%) than the basic card. Aside from that, the major difference is the perks. It gets you a free extended warranty plan, that doubles the manufacturer’s warranty on items you bought on your credit card up to one year. It also comes with purchase assurance that will reimburse you if an item you’ve purchased is lost, stolen or damaged in the first 90 days. If you shop a lot at Walmart for things like home appliances and electronics, you could benefit from the cash back you’d earn coupled with these perks.
This Walmart Rewards Mastercard is much more accessible than the above card, requiring the (relatively) low income of $12,000. And, like the Walmart Rewards World Mastercard, it has no annual fee. Of course, it features incentives to those who shop frequently at Walmart, too. Earn 1.25% on every dollar spent at Walmart stores and at Walmart.ca, and 1% everywhere else including at gas stations. Otherwise, aside from a much steeper earn rate on Walmart.ca purchases that the above card offers, and a few missing perks, these cards aren’t very different.
With both cards, loyal Walmart shoppers earn a lot on everyday purchases they’d be making anyway. The major perk to these cards is that they offer a simple and easy-to-understand reward system. Unlike other reward programs with miles and points, Walmart Reward Dollars removes complicated point conversions. Walmart Reward Dollars add up as dollars. Once you earn $5 (and in $5 increments thereafter), you can redeem the Walmart Reward Dollars in store and at Walmart.ca. The only significant benefit of going with the premium card is going to be if you shop at Walmart.ca more often than in store, and if you use those purchase insurance perks.
That being said, these cards don’t stack up against other cash back cards that have higher earn rates on essentials like gas and groceries and allow you to redeem the cash back anywhere, to boot. While both Walmart Rewards cards we’ve reviewed are good for frequent Walmart shoppers, there are other credit cards that can help you earn on essentials, at Walmart and beyond. For instance, if you’re willing to pay an annual fee of $99, the American Express SimplyCash Preferred Card provides 2% cash back—more than the 1.25% offered in-store at Walmart.
If you want a no-fee option, Tangerine’s Money-Back Mastercard allows you to choose groceries as a category to receive 2% back. (See our list of the best credit cards to use at Walmart.) The Rogers World Elite Mastercard offers a solid earn rate of 1.25% everywhere you shop, too.
The Walmart Rewards Mastercard and World Mastercard are suited to loyal Walmart shoppers, and families in particular, who want a simple rewards system for everyday purchases. For those looking to shop at Walmart online, the Walmart Rewards World Mastercard does offer the highest incentive. Both credit cards do that well with an easy-to-understand earn and redeem structure. At no annual fee for both cards, this can be a great option for those who want to simplify their rewards portfolio.
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I had a walmart credit card but canceled it when they sent me a letter telling me they would be charging an interest fee every month whether I carry a balance or not so I canceled it as well as a few people I know they canceled theres also and are going with pc credit xards
Worst customer service for Walmart MasterCard. I had very bad experience with it.
Absolutely the worst company I have ever dealt with in my 45 years of having credit. Just stay away and save yourself the agony of their amateur customer service. How they were able to get use the MasterCard Trademark is a mystery to be sure. Deal with a reputable credit card company that values it’s cardholders – the Rewards with this card are not worth the headache.
I applied and received a Walmart Rewards – World Mastercard thinking it will be like any other credit card, to my surprise, they have the worst customer service you can think of. If you are going on a trip with this card, beware! They randomly block my card and refused to unlock it until I mail (yes, postage mail) them a government-issued ID. They said it will take them 10 business days to unblock the card. I have had a block on another credit card, a simple call resolved the issue. My advice is don’t apply for a Walmart credit card, if you do, make sure that you have an alternative credit card at all times and are ready for their bad service.
I have very Bad Experience on Walmart Master card. CUSTOMER SERVICE REALLY SUCKS. im very disappointed. terrible experience. Keep hunging up the phone and passing to other customer service if you have problem online. I will not recommend Walmart Master Card. Never
Just not worth wasting your time on this wasteful customer Service. IT is the worst on earth. Bunch of untrained kids transferring calls from one to other. My account was blocked on 1st transaction. waiting for line drains away your phone battery, but no one answers the call, if they do by chance, they will transfer it for another 4 hour wait. WORST ever!!!!!
I am using Walmart master card since 2013 but soon I am going to cancel this card due to many reasons
When I sign in to my account I usually seen the message that your password is not correct I always put correct pw. This happens frequently and I am Fedup with Walmart customer services the staff is sitting in customer services is not knowledgeable they never give the correct reply. Brdide this there are lot of problems main problem you have to reset your passwords which is time consuming matter
Do not fall in the trap of Walmart reward card. They make you think it is a reward, but it is a way to charge you interests. Bad customer service as well.
I was happy with my Walmart rewards MC until this company had sent me an upgraded card without asking if I need or want it. I don’t need this kind of appreciation of a valued customer, that cost me time to reset things which are working well.
The new card (black one) is thinner and falls out of the wallet easily. It looks like a pc of paper or like a business card. There is no option to stop this stupid upgrade – The new card has a different account # – which is inconvenient, but the worst thing – The new account # has my pin number in it which is absolutely not secure. I refused to activate the new card and ask for the option to keep an old one – and they told me that my current card will be deactivated within 2 weeks, even though its expired in 3.5 years.?? no option to talk to supervisor. He is too busy and maybe call me sometimes in a future.
Too bad guys Do you want me to go to a different company and get another card? and shop in different store? – What a stupid upgrade that can cost them a customers!
Best credit card I have ever had. The black card is cool looking.
Disgusting customer service. They are rude and does not knowv their job well enough to be employed.
Sending my cut up card along with a letter to let them know how terrible their service is..had a dispute and they had me jumping ropes. Been a customer forever but not anymore..airheads at every turn..
You will end up like Sears..just give it time
Every single person commenting on here is correct and I should’ve checked before I went and applied!!!!
Worst customer service in my life and blocked my card for booking a hotel room? Isn’t that the point of using credit cards, being able to use them to book a room safely online and pay without using cash! I was put on hold and told that my card was being blocked as there was fraudulent activity on my card, then the next lady said I didn’t have the right information provided????????????? I never been so frustrated in my life with company. I want out of this card.
Do not get one ever
I apply today for Walmart card and they told me that I was getting $15.00 off my purchase today ; I went home and check my receipt and I didn’t get that $15.00 off ; if it’s a lie I don’t want your card anymore ; I bought $82.83 worth of grocery ; cancel the card; I don’t deal with liar ;
Dispute with Walmart Master card is a big headache. Old school team and process that needs printed forms to be signed back and forth using post mail and never receive it … I am only waiting to see what happens to this dispute request and will close the account with them soon
I had the regular card when it first came out because of instant approval and needed a credit card. the website system is had been very archaic/old system until recently. I rarely used the card as I found no benefit to it. over the time I had it, the I had a few pre-approved credit increases. Since I rarely used it, the issuer DUO BANK decided to close it due to inactivity. I did not care that much since I don’t shop at Walmart that much and I have way better cards in my wallet.
Long story short worked on a problem with Walmart MasterCard for a while before getting a message from credit karma where it said my credit rating was at 700 from 856 I called Walmart reg mastercard to see what the problem was they said you have an outstanding balance I said no I paid that off in April when I changed my card from Walmart to Walmart world Mastercard, they said no you have an outstanding Walmart bill I said can you please check to make sure you did not post it to world Walmart MasterCard which is def what happened and they would not fix it, the guy said payoff the reg Mastercard call us back and we will fix it with the credit bureau, Got a call from them today saying they would not correct it with the bureau, just venting and letting others know to be aware of what happened to me. I am now waiting for a supervisor to call me back hopefully and praying they can help me out. This is not what I need at this stage in my life I valued my credit score and this is just disgusting how do these people live with themselves they can tell by my payments to them that I don’t fool around with my credit score never missed any payment other then this mixed-up situation
worst customer service ever they don’t know how to treat their customers, the guy I spoke to was fine said he would escalate it and he did, but instead of the back department calling me the chickens got the original guy that escalated the problem to them. I feel bad for him because when he said there was nothing they could do about it he got an earful out of me I did apologize to him I felt bad cause it was not his decision, it was the weasels in the back who should have told me instead of passing the buck to him, these people are out to destroy credit ratings should never have said ok to the new world Walmart MasterCard and anyone else who accepts it think before you do
I just end my relationship with them after 5 years. They send me new MasterCard and since I activate it on each and single use they blocked my card and every time I have to call them and waste one hour to explain them it’s me who used this card. Really wasting of time when I had there old card no issues at all.
Worst customer service,since 2020,i am charged interest,on paid balances ,never able to get credited when a unfounded purchase is made,was not able to get my statements on line ,it would redirect me from its site,
And still this day,still not clear on to credit my account for errors not called for .