Last updated September 6, 2022
Walmart Rewards General
What are Walmart Rewards?
Walmart Rewards is Walmart’s new loyalty currency which can be earned by Walmart+ members through certain earning programs that may be offered by Walmart from time-to-time. Once earned through these various earnings programs, Walmart Rewards can then be redeemed on future purchases in Walmart stores or Walmart.com. Walmart Rewards cannot be used outside of Walmart, & there is no cash-out option.
How do I earn Walmart Rewards?
There are currently two different ways through which Walmart Rewards can be earned: Digital offers on select items and 2% Walmart Rewards in select markets. See below for how these earnings programs work.
How can I check my rewards balance?
- On Walmart.com or in the Walmart app, navigate to your account
- There you will find ‘Rewards Center’
- The Rewards Center will show your current Walmart Rewards balance, as well as your lifetime earnings.
Does my Walmart Rewards balance expire?
No.
Is Walmart Rewards a credit card?
No.
How do I redeem my Walmart Rewards balance?
Once you have earned Walmart Rewards through any of the various earnings programs, you can redeem them in any store and online, as follows:
In-Store or Mobile Scan & Go Purchase
1. Using the Walmart app, sign in to your Walmart account where you have accrued Walmart Rewards.
2. At checkout scan the code with the Walmart app or your phone.
3. Tap "Use Walmart Rewards" to redeem your earned reward balance & select how you would prefer to pay for any remaining amount (if applicable). If your rewards balance is less than your basket total (excluding prohibited items), your full rewards balance will be applied against your basket total. If your rewards balance is greater than your basket total, only that portion of your rewards balance necessary will be applied against the basket total.
Online Purchase
- On Walmart.com or the Walmart app, sign in to your Walmart account where you have accrued a Walmart Rewards.
In checkout, tap “Apply Walmart Rewards balance" in the Wallet section to redeem your balance & select how you would prefer to pay for any remaining amount (if applicable).
Are there products or services that cannot be purchased with Walmart Rewards?
We do not allow Walmart Rewards to be redeemed with the purchase of the following items or categories of products or services:
(Video) Capital One Walmart Rewards: Is It Worth it?All gift cards, including, but not limited to:
- Walmart and Sam’s Club gift cards
- Any 3rdparty gift cards: e.g., Apple, Google, PlayStation, Starbucks, etc.
- Network-branded gift cards (e. Visa, Mastercard, AMEX gift cards)
- Re-loadable prepaid cards (g. Green Dot, BlueBird)
Prescription-related products, including, but not limited to:
- Prescription products such as prescription pet medications, prescription drugs, and prescription medical supplies
- Prescription co-pays or deductibles
- Health care services provided by Walmart Health or Walmart Health Virtual Care
- Pharmacy purchases submitted to any health benefit program, pharmacy benefit program, insurer, or state / federal government health care program
- Optical products and services
- Alcoholic beverages
- Tobacco
- Firearm and ammunition products
- Lottery tickets
- Financial services, including those offered through Walmart Money Centers (g. money transfers, money orders, bill payments)
Membership fees (Walmart+)
Do I lose Walmart Rewards if I cancel my W+ membership
No.
Earnings Program: Digital offers on items
What are digital offers on items?
The first way Walmart+ members can earn Walmart Rewards is through digital offers on certain items members shop for often.
Once a digital offer is selected and the associated product purchased, delivered, or picked up, the value of each specific digital offer is deposited into your Walmart Rewards balance. This balance can then be redeemed on future purchases in Walmart stores or Walmart.com.
The full terms of use for this earnings program can be found here.
Who is eligible to earn digital offers on items?
In order to earn digital offers on items, you must be a trial or paid member of Walmart+.
How do I add digital offers?
1. Sign into your Walmart+ account on Walmart.com or the Walmart app.
2. Find and select “Item Rewards” associated with individual products on Walmart.com or in the Walmart App. You can find and add Item Rewards from the Reward Center, search bar or product page.
3. Tap "Add reward" to save a reward to your account.
In-store, you can also find and add Item Rewards to the Reward Center using the barcode scanner in “store mode” in the Walmart app.
How do I earn Walmart Rewards?
In-Store
- Using the Walmart app, sign into your Walmart+ account where you have added Item Rewards.
- At checkout, scan the Walmart Pay QR code and select how you would prefer to pay.
- Purchase the associated item.
- Once you have completed the transaction and purchased the associated item, you have earned Walmart Rewards equivalent to the value of the relevant Item Reward you selected. Nothing further is required from you. It may take a few minutes for the Walmart Rewards value to appear in your Walmart Rewards balance. Your Walmart Rewards balance can be found in your Walmart account Wallet & Reward Center.
Online
- On Walmart or the Walmart app, sign in to your Walmart+ account where you have added item rewards.
- Add the eligible item to your cart.
- Place your order.
- Once your order is delivered or picked up from the store, you have earned Walmart Rewards equivalent to the value of the relevant item reward you selected. Nothing further is required from you, but it may take a few minutes for the earned Walmart Rewards to appear in your Walmart Rewards balance, which can be found in your Walmart account Wallet & Reward Center.
Where can I see all my saved item rewards?
Go to the Reward Center page.
(Account → My items → Reward Center)
Why did I not receive Walmart Rewards for an item?
There are a few reasons why you may not receive Walmart Rewards for an item:
- The item was out of stock, so the purchase of the item could not be completed.
- The item you selected was unavailable & had to be substituted with another item that was not item reward-eligible.
- The item reward was not correctly saved or added to your account prior to purchase.)
The item reward had expired prior to purchase (see Offer Details for reward expiration dates).
Do saved digital offers expire?
Yes, saved offers have expiration dates & the associated item must be purchased before that expiration date. Digital offers that have expired will be removed from your saved rewards in Reward Center.
Can I earn item rewards & redeem Walmart Rewards in the same purchase?
Yes. You can earn item rewards on eligible items & redeem your existing Walmart Rewards balance on the same transaction. However, the item rewards earned in that transaction can only be applied against future transactions.
Can I use paper coupons & earn item rewards for the same item?
No. If you use a paper coupon in-store & have also added a digital offer for the same item, the paper coupon will be honored, and you will not earn Walmart Rewards for that purchase.
Do I forfeit the Walmart Rewards if I return the item?
Yes. When Walmart Rewards are earned from the purchase of a product with an associated Item Reward, and that product is later returned & the purchase price refunded to you, any earned Walmart Rewards from the purchase of that product will be reversed & deducted from your Walmart Rewards balance, unless there is another product in your transaction to which the original Item Reward could be applied.
If your Walmart Rewards balance is not sufficient to cover the deduction, your balance will be negative. You will not be able to redeem any future earned Walmart Rewards until you reach a positive Walmart Rewards balance. Earned Walmart Rewards accrue towards your Walmart Rewards balance, which can be found in your Walmart account Wallet & Reward Center. However, we will never ask you to repay a negative balance.
If the product with the item reward I selected is substituted or out of stock, will I still earn Walmart Rewards?
No. Only substituted items that also qualify will earn Walmart Rewards.
Earnings Program: 2% Walmart Rewards
What is 2% Walmart Rewards?
2% Walmart Rewards is a pilot program in select markets that provides Walmart+ members the ability to earn 2% back in Walmart Rewards for a limited time on eligible items purchased in-store or Walmart.com.
Who is eligible to earn 2% Walmart Rewards?
Currently, the 2% Walmart Rewards program is only available to select paid Walmart+ members, in select markets, as determined by Walmart. If you are a paid Walmart+ member selected to participate and are shopping in a pilot market, you will see in-store signage notifying Walmart+ members that purchases made in that store are eligible to earn 2%. If the store in which you are shopping does not have any such signage, then that store is not a part of the pilot program, and you will not earn 2% for purchases made in that store. When shopping online, if you are purchasing products for shipping or delivery into a pilot market, you will be notified by messaging in the Walmart app which will indicate whether you are eligible to earn 2% on that purchase.
Paid Walmart+ members in select markets are eligible to earn 2% Walmart Rewards for a limited time. Stores in the pilot program can be identified with in-store signage. If purchasing items online for shipping or delivery into a pilot market, you will see messaging on http://Walmart.com or the Walmart app.
What is the duration of the pilot program?
We expect that the pilot program will run until January 31st, 2023. However, we reserve the right to discontinue this pilot at any time in our sole discretion, with no notice to you.
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If I am eligible, how do I earn 2% Walmart Rewards?
It’s easy! You can earn 2% back in either in-store or online purchases, as follows:
In-Store
- Using the Walmart app, sign in to your Walmart account with a Walmart+ membership
- At checkout, scan the Walmart Pay QR code & select how you would prefer to pay.
- If you didn’t use Walmart Pay, Go to Rewards Center tools & tap "Submit your receipt". You can submit up to 5 receipts in a 24-hour period.
- Scan the barcode on your store receipt
- In addition, as a paid W+ member, you can also use mobile scan & go in-store and earn your rewards after you finish your transaction.
Online
- On Walmart.com or the Walmart app, sign in to your Walmart account with your Walmart+ Membership
- Place your order as normal.
- You earn your rewards as soon as your order is delivered or picked up from the store.Nothing further is required from you.
When are the Walmart Rewards awarded to my account?
If you shop in-store, your Walmart Rewards will be added to your account shortly after your transaction is completed. If your order is being shipped to you, or being fulfilled through pickup or delivery, your Walmart Rewards will be added to your account after your order is delivered or picked up from the store. Please allow 24hrs after the delivery or pickup for the Walmart Rewards to show up in your account balance.
How can I check my Walmart Rewards balance?
On Walmart.com or in the Walmart app, navigate to your account where you will find ‘Rewards Center”. The Rewards Center will show your current Walmart rewards balance as well as your lifetime earnings.
Is there a cap on how much I can earn?
Currently earnings are capped at $500 per membership account per calendar year (i.e. Jan 1 – Dec 31).
What if I forget to scan the QR Code in-store?
If you forget to scan the QR Code at checkout, you can still earn 2% back in Walmart Rewards if you can scan your receipt barcode within 7 days of purchase. We’ll check to make sure you haven’t already received your 2% Walmart Rewards on that transaction. If not, we’ll credit your balance with the appropriate Walmart Rewards value. To do this:
1. Download the Walmart app & sign in to your Walmart account
2. Go to Rewards Center tools & tap "Submit your receipt". You can submit up to 5 receipts in a 24-hour period.
3. Scan the barcode on your store receipt
To redeem your Walmart Rewards balanceyou need to scan the Walmart Pay QR code at checkout prior to completing the purchase.
Are there items I can’t earn Walmart Rewards on, or redeem my Walmart Rewards against?
You can redeem any rewards balance at Walmart.com or in Walmart stores. We do not allow rewards to be earned or redeemed with the purchase of the following items or categories of products:
All gift cards, including, but not limited to:
- Walmart and Sam’s Club gift cards
- Any 3rdparty gift cards: e.g., Apple, Google, PlayStation, Starbucks, etc.
- Network-branded gift cards (e. Visa, Mastercard, AMEX gift cards)
- Re-loadable prepaid cards (g. Green Dot, BlueBird)
Prescription-related products, including, but not limited to:
- Prescription products such as prescription pet medications, prescription drugs, and prescription medical supplies
- Prescription co-pays or deductibles
- Health care services provided by Walmart Health or Walmart Health Virtual Care
- Pharmacy purchases submitted to any health benefit program, pharmacy benefit program, insurer, or state / federal government health care program
- Optical products and services
- Alcoholic beverages
- Tobacco
- Firearm and ammunition products
- Lottery tickets
- Financial services, including those offered through Walmart Money Centers (e.g., money transfers, money orders, bill payments)
- Membership fees (Walmart+)
We do not allow rewards to be earned with the purchase of the following items or categories of products:
- Services & Labor offered at Walmart (E.g., Delivery fees, Automotive, Curbside fees)
- Third party Services (E.g., warranties, wireless contracts)
- Tips paid to delivery drivers
- Bag fees
- Items purchased with WIC
- Fuel
- Taxes
- Postage Stamps
- Milk, eggs, and other dairy products as required by applicable law
Do I need to be a Walmart+ member to earn 2% Walmart Rewards on purchases?
Only select, paid Walmart+ members are eligible to earn 2% Walmart Rewards on purchases in-store or online.
(Video) Capital One Walmart Rewards Credit Card (Overview)
Is Walmart Rewards a credit card?
No.
Do I forfeit the Walmart Rewards earned on a purchase that I return?
Yes. When an item is returned & the purchase price refunded to you, the applicable reward value will be reversed & deducted from your Walmart Rewards balance.
If your Walmart Rewards balance is not sufficient to cover the deduction, your balance will be negative. You won't be able to use any future earned rewards balance until you reach a positive balance. Earned rewards accrue towards your Walmart Rewards balance, which can be found in your Walmart account Wallet & Reward Center.
However, we will never ask you to repay a negative balance.
If I use my Walmart Rewards for a purchase that I return, do I get them back in my balance?
Yes.
Other
What is the difference between Walmart Rewards and the Capital One Walmart Rewards credit card?
Walmart Rewards is a program where Walmart+ members can earn rewards to use on future Walmart purchases. CapitalOne Walmart Rewards is a credit card and can be used anywhere Mastercard is accepted and will earn rewards on all purchases. Users do not have to be Walmart+ members and can earn and redeem rewards in multiple ways.
What items are eligible for 2% Walmart Rewards?
In participating pilot markets, a majority of merchandise at Walmart qualifies for 2% Walmart Rewards when purchased online and/or in-store.
We do not allow Walmart Rewards to be earned or redeemed with the purchase of the following items:
All gift cards, including, but not limited to:
- Walmart and Sam’s Club gift cards
- Any 3rd party gift cards: e.g., Apple, Google, PlayStation, Starbucks, etc.
- Network-branded gift cards (e. Visa, Mastercard, AMEX gift cards)
- Re-loadable prepaid cards (g. Green Dot, BlueBird)
Prescription-related products, including, but not limited to:
- Prescription products such as prescription pet medications, prescription drugs, and prescription medical supplies
- Prescription co-pays or deductibles
- Health care services provided by Walmart Health or Walmart Health Virtual Care
- Pharmacy purchases submitted to any health benefit program, pharmacy benefit program, insurer, or state / federal government health care program
- Optical products and services
- Alcoholic beverages
- Tobacco
- Firearm and ammunition products
- Lottery tickets
- Financial services, including those offered through Walmart Money Centers (g. money transfers, money orders, bill payments)
- Membership fees (Walmart+)
We do not allow rewards to be earned with the purchase of the following items or categories of products:
- Services & Labor offered at Walmart (Delivery fees, Automotive, Curbside fees)
- Third party Services (warranties, wireless contracts)
- Tips paid to delivery drivers
- Bag fees
- Items purchased with WIC
- Fuel
- Taxes
- Postage Stamps
- Milk, eggs, and other dairy products as required by applicable law
What is the difference between Item Rewards and 2% Walmart Rewards?
Item rewards are available to trial and paid Walmart+ members. Members earn Walmart Rewards when they purchase specific items that are item reward eligible online or in-store. There are hundreds of eligible items, with more being added.
Select, paid Walmart+ members earn 2% back in Walmart Rewards when they shop in-store only, or online and in-store on most items.
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FAQs
How good does your credit need to be for a Walmart credit card? ›
Here's what you need to know about the Walmart Credit Card credit score: Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+. The Walmart Credit Card can be used anywhere Mastercard is accepted.
Can I get a Walmart credit card with a 600 credit score? ›What is the Walmart Credit Card credit score requirement? The Walmart Credit Card credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for this card.
Can I combine Walmart Rewards and Ibotta? ›A: You can use both apps! Remember that where you add your offers (Ibotta or Walmart) is also where your cash back will be kept. If you are a Walmart+ member and you happen to add an offer for a product on both Ibotta and Walmart, the cash back will go to your Walmart account.
Can I use my Walmart Rewards to pay my bill? ›Walmart Credit Card rewards are redeemable only for cash back, gift cards, travel, or a statement credit and cannot be transferred to another loyalty program. WalletHub Answers is a free service that helps consumers access financial information.
What is the highest Walmart credit card limit? ›Credit limits for a Walmart credit card can range from $150 to over $5,000. Several factors go into determining your credit limit, including your annual income and credit history. Where can I use a Walmart credit card? The Capital One® Walmart Rewards™ Mastercard® can be used anywhere Mastercard is accepted.
Can I get a credit card with a 650 credit score? ›A 650 credit score is considered “fair” credit, which means you should be able to get a credit card or loan, but a little bit of credit improvement will give you many more options and help you save a lot more money.
What's the lowest credit score for Walmart credit card? ›Capital One® Walmart Rewards™ Card: 650+ Credit Score Needed
The new Capital One® Walmart Rewards™ Card is a true credit card that can be used anywhere Mastercard is accepted worldwide. A credit score in the 'good' range — at least 650 — is required for this card.
The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.
What is minimum credit score for Walmart Mastercard? ›You need a credit score of 640 or higher to qualify for a Capital One Walmart Rewards® Mastercard®. This implies that those with average to exceptional credit are more likely to get approved for the Walmart Credit Card.
Can you use coupons with Walmart Rewards? ›Can I use paper coupons & earn Walmart Rewards for the same item? No. If you use a paper coupon in-store & have also added an eligible item, the paper coupon will be honored, & you will not earn the Walmart Reward for that item in that purchase.
Can two people in the same household use Ibotta? ›
A single user can have one earning Ibotta account. A second account cannot be created for reasons such as: adding a referral code, getting better offers, or referring yourself for a bonus.
Can I use the same receipt twice on Ibotta? ›You can only submit each receipt once for the same product. If the offer is for buying 1, and you are hoping it resets, you need to buy additional ones on separate receipts.
Can I use Walmart Rewards for gas? ›Since the Walmart Rewards™ Card is a private-label card, you can only use the card at Walmart properties, which include Walmart.com, the Walmart app, Walmart stores and Murphy USA gas stations. On the other hand, the Capital One Walmart Rewards® Mastercard® can be used anywhere Mastercard is accepted.
Can you get gas with Walmart Rewards? ›What is member prices on fuel and how do I get it? Using the Walmart app, Walmart+ members will receive 10¢ off per gallon at Exxon & Mobil stations, up to 10¢ off at select Walmart & Murphy stations, and member prices at Sam's Club fuel centers.
How do I use my Walmart rewards at checkout? ›If shopping in-store, Walmart members can scan the Walmart Pay QR code and tap “Use Walmart Rewards” to deduct the balance from their bill. If shopping online, they can simply do this when they check out. Walmart Rewards is not static.
Does Walmart ever increase credit limit? ›You can easily get a Walmart® Store Card credit limit increase by requesting it online. Sign in to your account and go to "Services", then click on "Request credit line increase". As an alternative, you can request an increase by calling customer service at (877) 294-7880.
Is Walmart Rewards card worth it? ›If you shop online, the rewards are among the best in its class. Get 5% cash back on purchases at Walmart.com and through the retailer's app, plus 2% at Walmart stores, at restaurants and on travel. Robin is a former credit cards writer for NerdWallet.
How much is considered a high limit credit card? ›A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.
What is the average US credit score? ›The average credit score in the United States is 698, based on VantageScore® data from February 2021. It's a myth that you only have one credit score. In fact, you have many credit scores. It's a good idea to check your credit scores regularly.
What raises credit score? ›Factors that contribute to a higher credit score include a history of on-time payments, low balances on your credit cards, a mix of different credit card and loan accounts, older credit accounts, and minimal inquiries for new credit.
Can you get 800 credit score with just credit cards? ›
But you'll need to keep your total balance to less than 10 percent of your total credit limit if you want to build an excellent credit score, Ulzheimer said. If you pay your balances on time and keep your utilization low, “there's no reason why your scores can't be even above 800,” he said.
What store card can I get with a 550 credit score? ›The best store credit card you can get with a 550 credit score is the Amazon.com Secured Credit Card, which has a $0 annual fee and offers 2% cash back on Amazon purchases if you are a Prime member. It requires a minimum security deposit of $100, making it easier to get with bad credit.
What store card can I get with a 580 credit score? ›- Target Credit Card: For people with fair credit. ...
- Walmart® Store Card: For people with fair credit. ...
- Kohl's Credit Card: For people with fair credit. ...
- JCPenney Credit Card: For people with fair credit. ...
- Fingerhut Credit Account: For people with bad credit.
- Best Overall: Discover it® Secured Credit Card.
- No Credit Check: OpenSky® Secured Visa® Credit Card.
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding Credit.
- Rewards & No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit Card.
- You must be at least 18 years of age with a U.S. mailing address and Social Security number.
- For instant approval, you must have a credit score of at least 640 or higher.
- Make sure your credit reports are up to date and error free.
The main difference between a Walmart Store Card and a Walmart Mastercard is where you can use it. The Walmart Store Card can only be used at Walmart and its partners. The Mastercard can be used basically anywhere. As a result, the Mastercard also offers rewards for purchases made at other stores.
Will a Walmart money card affect your credit score? ›There is no credit check with a Walmart MoneyCard and we do not report your account to any credit bureau.
How often does Walmart credit card give increases? ›We've seen reports that Walmart usually approves most requests for a credit limit increase after about 6 months of regular/successful payments; some have seen approvals earlier.
Do Walmart reward points expire? ›Redeem for Travel
Redeem rewards for trips and travel purchases you make using your Capital One Walmart Rewards® Card. Your points don't expire for the life of the account.
Fair credit scores typically range from the upper 500s to the mid-600s, depending on the credit-scoring model. While there's room to improve your scores if they're in this range, you'll likely still be able to get a credit card or loan. But you may not qualify for the best rates or terms available.
Does Walmart do a hard pull for credit? ›
The Walmart Credit Card application will result in a hard inquiry. So, keep in mind that you will need at least fair credit (640+) to get the card. While the score is higher than what most store cards require, you will be able to use the card anywhere Mastercard is accepted.
Does Walmart credit card do a hard pull for credit limit increase? ›Will asking for a credit line increase on my Walmart credit card result in a soft pull? Yes, asking for a credit line increase on your Walmart credit card will result in a soft pull. They will use the information they've gathered throughout the time you've had the account, so they won't do a hard pull on your credit.
What is the easiest card to get approved? ›- Overall. Discover it® Secured Credit Card.
- No credit check. OpenSky® Secured Visa® Credit Card.
- Low APR. DCU Visa® Platinum Secured Credit Card.
- First credit card. ...
- Fair credit. ...
- Students with rolling categories. ...
- Students spending on restaurants and groceries. ...
- Target shoppers.
1. HDFC Bank instant approval credit card. HDFC Bank credit cards are not only 100% secure, but they also provide instant activation and ownership. here, a potential customer is taken to the end-to-end instant digital application page wherein the issuance happens at a single click.
What is the lowest credit score you can get a credit card with? ›There is no minimum credit score needed for a credit card. Even borrowers with poor credit (a score of 300) or no credit card at all can qualify for some credit cards. However, options for bad-credit borrowers are limited and usually come with a high annual percentage rate (APR) and fees.