Many shoppers enjoy the benefits of using a Walmart credit card, especially for earning cash back and exclusive Walmart offers. But one of the most common questions people ask is — can the Walmart credit card be used anywhere, or is it limited to Walmart stores? Let’s break it down in simple terms.
🏬 1. There Are Two Types of Walmart Credit Cards
Before you know where your card works, it’s important to understand which Walmart credit card you have:
- Walmart Rewards Card (Store Card) – This version can only be used at Walmart and its partner locations.
- Walmart Mastercard – This version can be used anywhere Mastercard is accepted worldwide.
Both cards are issued by Capital One, but they work differently when it comes to where you can use them.
🛒 2. Where You Can Use the Walmart Rewards Card
If you have the Walmart Rewards Card (the store-only version), you can use it at:
- Walmart stores and Supercenters
- Walmart.com
- Walmart gas stations
- Sam’s Club (in most cases)
You’ll earn 5% cash back when you shop at Walmart.com or use Walmart Pay in stores. However, this card cannot be used at other retailers, restaurants, or gas stations that aren’t owned by Walmart.
If you’re unsure which card you have, check the logo — if it has a Mastercard symbol, it’s the one that works everywhere.
💳 3. Where You Can Use the Walmart Mastercard
If your Walmart credit card says Mastercard on it, you can use it anywhere Mastercard is accepted — including online, at restaurants, hotels, gas stations, and even abroad.
That makes it just like any regular credit card. Plus, you’ll still earn cashback rewards:
- 5% back at Walmart.com (including pickup and delivery)
- 2% back in Walmart stores, restaurants, and travel
- 1% back everywhere else Mastercard is accepted
So, yes — if you have the Walmart Mastercard, you can absolutely use it anywhere!
🏦 4. Difference Between Walmart Credit Card, Gift Card & MoneyCard
| Feature | Walmart Credit Card | Walmart Gift Card | Walmart MoneyCard |
|---|---|---|---|
| Where You Can Use It | Walmart only (Store Card) or Anywhere (Mastercard) | Walmart & Sam’s Club only | Anywhere Visa/Mastercard accepted |
| Reloadable | ❌ No | ❌ No | ✅ Yes |
| Activation Needed | ✅ Yes | ❌ No | ✅ Yes – via Walmart Money Card activation |
| Balance Check | Through Capital One app | Walmart gift card balance | Walmart MoneyCard app |
Each Walmart card type offers unique benefits — your choice depends on whether you want a credit, prepaid, or gift card option.
💡 5. Tips for Using Your Walmart Credit Card Wisely
- Always make payments on time to avoid interest charges.
- Use the Capital One app to manage your Walmart credit card account.
- For reloadable convenience, consider the Walmart MoneyCard instead — activate it through the Walmart Money Card activation page.
- If you receive Walmart gift cards as rewards, check your Walmart gift card balance before shopping.
✅ Final Thoughts
So, can Walmart credit cards be used anywhere?
- If you have the Walmart Rewards Card, it works only at Walmart and Sam’s Club.
- If you have the Walmart Mastercard, you can use it anywhere Mastercard is accepted — making it a versatile option for everyday spending.
And for those who prefer prepaid flexibility, the Walmart MoneyCard is another great choice — just make sure to complete your Walmart Money Card activation before using it.
Lastly, if you ever receive a Walmart gift card as a bonus or gift, don’t forget to check your Walmart gift card balance before your next shopping trip!