Walmart Rewards™ Mastercard® vs Walmart Rewards™ World Mastercard®: Which one is better?
Walmart Rewards™ Mastercard®
2
RECOMMENDED CREDIT SCORE
Walmart Rewards™ World Mastercard®
2.2
RECOMMENDED CREDIT SCORE
Rewards Breakdown
Annual Rewards
$242.9
Welcome Bonus
$45
Annual Fee
$0
First Year Value
$287.9
$242.9 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$250.13
Welcome Bonus
$45
Annual Fee
$0
First Year Value
$295.13
$250.13 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Purchase Protection
90 days
Insurance Included
Purchase Protection
90 days
Extra Benefits
N/A
Extra Benefits
N/A
Interest Rates
Purchase:
20.89% - 26.99%
Cash Advance:
22.97% - 27.99%
Interest Rates
Purchase:
20.89% - 26.99%
Cash Advance:
22.97% - 27.99%
Annual Fee
$0
Annual Fee
$0
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
$100,000
Welcome Bonus
$45 on Approval
Welcome Bonus
$45 on Approval
Rewards Rate
- 1.25% cashback on Walmart store and Walmart.ca purchases
- 1% cashback on all credit card purchases.
Rewards Rate
- 3% cashback on Walmart.ca purchases
- 1.25% cashback on Walmart store and gas purchases
- 1% cashback on all credit card purchases.
Is this card worth it?
The Walmart Rewards Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It offers 1.25 Walmart Reward Dollars for every dollar spent at Walmart stores and the ability to pay in installments. Additionally, you can earn up to $45 in Walmart Reward Dollars when you sign up. However, the rewards can only be redeemed at Walmart, and the card lacks additional benefits or insurance coverage beyond purchase assurance and extended warranty.
Is this card worth it?
The Walmart Rewards World Elite Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It's especially beneficial for those who frequently shop at Walmart's online store. However, it offers a rather average reward rate for other types of purchases, making many other cards a better choice for non-Walmart spending categories.
Pros
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
- Walmart Rewards: Earn 1.25 Walmart Reward Dollars for every dollar spent at Walmart stores.
- Sign-Up Bonus: Get up to $45 in Walmart Reward Dollars when you sign up.
Pros
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
Cons
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
Cons
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
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