With the Capital One Walmart benefits Mastercard, people who shop at Walmart often get the chance to earn points on their purchases, which they can use to save on future purchases. For the first year, the card gives 5% cash back on purchases made online at Walmart.com and in stores using Walmart's mobile wallet, Walmart Pay. After the first year has passed, cardholders will receive 1% cash back on all other qualified transactions in addition to 2% cash back on eating and travel expenditures. Cardholders can only get these points if they use their card to buy things in the United States.This card has no regular fees or extra costs for using it abroad. The exact rate a Capital One Walmart Rewards Mastercard user pays depends on their credit. Based on their annual percentage rate (APR), this rate can be anywhere from 17.99% to 29.49%.

Capital One® Walmart Rewards® Card Rewards:The Capital One Walmart Credit Card offers a 5% money-back bonus on other purchases made on Walmart.com and the Walmart app. In-store and online purchases with this credit card earn 5% cash back. There is a 2% discount on trips to restaurants and other attractions.

After the first year, your awards will be worth less if you purchase in stores rather than online. This will change if you insist on making your purchases in actual stores. After linking your card with Walmart Pay, you'll earn 5% cash back on select in-store purchases for the first year. You might expect a monthly return of 2%.

Reward Claiming:

Maximize your benefits by charging as much as possible to your Walmart credit card. This is the simplest method of using points. Your points can be redeemed for merchandise on Walmart.com, in-store payments made using Walmart Pay, discounts on future purchases, travel arrangements made through Capital One's travel agency, or Walmart gift cards. Requesting a bill credit is the only way to use a gift card. You can do other things with the gift card.

Possible Gains:

In the first year you have your Capital One® Walmart Rewards® Card*, you will receive 5% cash back on purchases made using Walmart Pay. Since Walmart allows for in-store pickup of app purchases, we will assume that all Walmart transactions will continue to receive 5% cash back after the initial year has passed since in-app purchases may be easily refunded and exchanged in-store. The expert from Forbes thinks Walmart sells gas nationwide. Think about it: Murphy, USA.

Advantages Beyond the Capital One® Walmart Rewards® Card

The Capital One Walmart credit card is a World Elite Mastercard, giving it several perks and benefits others don't have.Price Protection: If you buy an eligible item with your Capital One Walmart card and then find it for less at another eligible store within 120 days, you can get the difference back up to a maximum of $250. This refund is based on the terms and conditions of Capital One Walmart's price match promise. Four times that amount is the most that can be claimed each year.Extended Warranty: If the original insurance was for less than two years, this plan adds two more years and pays up to $10,000 in fixes or replacements. The service period for the warranty starts on the first anniversary of the date the warranty was first bought.Cell Phone Insurance: Only the World Elite version of the card has the Cell Phone Insurance feature, which covers losses of up to $600 per claim and $1,000 per year. There is no other form of the card that has this benefit. A USD 50 fee applies to each claim. This rule limits the number of claims made yearly to no more than two.Auto Rental Insurance Coverage: Suppose you pay the whole rental with your credit card or refuse coverage at the counter. In that case, you will be qualified for secondary coverage if damage or theft happens to a rental vehicle protected by the insurance.Concierge Service: Through Capital One's free Concierge Service, customers can get suggestions on where to eat in a new city, where to buy tickets to an event, and how to plan a trip.Trip Cancellation/Interruption Insurance: Insurance for Trip Cancellation or Interruptions: If your trip is delayed or cut short for a qualified reason, like a medical condition that qualifies, you may get up to $1,500 in common carrier costs back. The insurance company would pay for this refund.What Are the Fees Associated With the Capital One Walmart Rewards Mastercard?

• You don't have to pay the annual fee when you use your Capital One Walmart Rewards Mastercard.
• You might have to pay more if you buy something on a foreign website. There are no extra fees for dealing with foreign currencies.
• Fee for Changing a Debt When you use the APR to move funds, no fees are involved.
• The fee for a cash advance is either $10.00 or 3% of the cash advance amount, whichever is higher. Getting a cash loan will cost you money.
• If you send in payment after the due date, you might have to pay a late payment fee of up to $39, based on how long it's been since the payment was due.
• The Amazon Prime Rewards Visa Signature Card program members get the same perks as people who have the Capital One® Walmart Rewards® Card.
• Both cards have similar benefits and ways to use them, so which one you choose will depend on where you shop: Amazon or Walmart.

Comparing the Capital One Walmart Rewards Mastercard with the Citi Custom CashSM Card:

In terms of freedom and not having to pay an annual fee, the Citi Custom Cash Card stands out as the finest credit card. You may get 5% back on your largest purchase (up to $500 every billing cycle) with this straightforward rewards card. This frees up some spending cash for you. Including food and gas purchases in a smart budget is a good idea. This means you may use it as your main credit card at all of your preferred merchants. More stores will now be accessible to you. Those with modest incomes who are comfortable making the monthly installments could benefit from this plan. If any of this sounds familiar, get out now.

Conclusion:If you shop a lot at Walmart, especially on their website, the Walmart Plus Credit Card is the best way to get cash back because it gives you a more significant amount on purchases. Cards that give 2% cash back on all purchases have earning rates that are the same or better than these cards in each area. If you want to, you can buy these cards right now. The Walmart credit card has some nice perks, but you might be better off with one that gives you access to a broader range of perks. This will depend on how many cards you choose to keep track of and how you usually spend your money.