Merchants • Department and discount store

Best Credit Cards for Walmart

Among the cards CardTruth has reviewed, the BMO CashBack World Elite Mastercard earns the most at Walmart: 5% back, worth 5% of what you spend, when the purchase codes the way its terms require, which varies by location. Compare the top two →

Cards accepted

In store
Visa, Mastercard and American Express
Online
Visa, Mastercard and American Express

Visa was dropped at some stores in 2016 and returned to all Canadian stores in January 2017.

How purchases code (MCC)

  • 5310Discount storesVaries

    Most Walmart stores code as discount stores. Some Supercentres have been reported as grocery (5411), on some networks only, so the code you get can depend on the store and your card's network.

  • 5411Grocery stores and supermarketsVaries

    Reported on Mastercard only.

    Reported at some Supercentres, which is why some Mastercard grocery rates have paid there.

A purchase's code is set by the merchant's payment processor and card network, not by your card, and it can differ by location, network and over time (American Express classifies merchants itself). Your statement shows how a purchase actually coded. Last verified October 2026.

Personal cards accepted in store

  1. BMO CashBack World Elite MastercardBy merchant code · Code varies by location · Spending cap applies
    5%5% back
  2. BMO CashBack MastercardBy merchant code · Code varies by location · Spending cap applies
    3%3% back
  3. RBC Cash Back Preferred World Elite MastercardBy merchant code · Code varies by location
    3%3% back
  4. Student BMO CashBack MastercardBy merchant code · Code varies by location · Spending cap applies
    3%3% back
  5. American Express Aeroplan Reserve CardBase rate
    ≈2.5%1.25x points
  6. CIBC Aeroplan Visa Infinite Privilege CardBase rate
    ≈2.5%1.25x points
  7. TD Aeroplan Visa Infinite Privilege CardBase rate
    ≈2.5%1.25x points
  8. RBC Avion Visa Infinite PrivilegeBase rate
    ≈2.25%1.25x points
  9. American Express Aeroplan CardBase rate
    ≈2%1x points
  10. American Express Cobalt CardBase rate
    ≈2%1x points
Show all 80 personal cardsShow fewer
  1. American Express Gold Rewards CardBase rate
    ≈2%1x points
  2. American Express Green CardBase rate
    ≈2%1x points
  3. CIBC Aeroplan Visa Infinite CardBase rate
    ≈2%1x points
  4. RBC Cash Back MastercardBy merchant code · Code varies by location
    2%2% back
  5. Scotiabank Platinum American Express CardBase rate
    ≈2%2x points
  6. SimplyCash Preferred Card from American ExpressBase rate
    2%2% back
  7. TD Aeroplan Visa Infinite CardBase rate
    ≈2%1x points
  8. The Platinum Card from American ExpressBase rate
    ≈2%1x points
  9. Wealthsimple Visa Infinite + Credit CardBase rate
    2%2% back
  10. Wealthsimple Visa Infinite Privilege Credit CardBase rate
    2%2% back
  11. Marriott Bonvoy American Express CardBase rate
    ≈1.8%2x points
  12. RBC Avion Visa InfiniteBase rate
    ≈1.8%1x points
  13. RBC Avion Visa PlatinumBase rate
    ≈1.8%1x points
  14. BMO VIPorter World Elite MastercardBase rate
    ≈1.5%1x points
  15. RBC British Airways Visa InfiniteBase rate
    ≈1.5%1x points
  16. WestJet RBC World Elite MastercardBase rate
    ≈1.5%1.5x points
  17. CIBC Aeroplan Visa CardBase rate
    ≈1.34%0.67x points
  18. CIBC Aeroplan Visa Card for StudentsBase rate
    ≈1.34%0.67x points
  19. TD Aeroplan Visa Platinum CardBase rate
    ≈1.34%0.67x points
  20. CIBC Aventura Visa Infinite Privilege CardBase rate
    ≈1.25%1.25x points
  21. SimplyCash Card from American ExpressBase rate
    1.25%1.25% back
  22. CIBC Aventura Gold Visa CardBase rate
    ≈1%1x points
  23. CIBC Aventura Visa Infinite CardBase rate
    ≈1%1x points
  24. CIBC Costco MastercardBase rate
    1%1% back
  25. CIBC Dividend Platinum Visa CardBase rate
    1%1% back
  26. CIBC Dividend Visa Infinite CardBase rate
    1%1% back
  27. PC Insiders World Elite MastercardBase rate
    1%1% back
  28. PC MastercardBase rate
    1%1% back
  29. PC World Elite MastercardBase rate
    1%1% back
  30. PC World MastercardBase rate
    1%1% back
  31. Scotia Momentum Visa CardBase rate
    1%1% back
  32. Scotia Momentum Visa Card (for students)Base rate
    1%1% back
  33. Scotia Momentum Visa Infinite+ CardBase rate
    1%1% back
  34. Scotiabank American Express CardBase rate
    ≈1%1x points
  35. Scotiabank American Express Card (for students)Base rate
    ≈1%1x points
  36. Scotiabank Gold American Express CardBase rate
    ≈1%1x points
  37. Scotiabank Passport Visa Infinite Privilege CardBase rate
    ≈1%1x points
  38. Scotiabank Passport Visa Infinite+ CardBase rate
    ≈1%1x points
  39. Scotiabank Scene+ Visa CardBase rate
    ≈1%1x points
  40. Scotiabank Scene+ Visa Card (for students)Base rate
    ≈1%1x points
  41. ScotiaGold Passport Visa CardBase rate
    ≈1%1x points
  42. TD Cash Back Visa Infinite CardBase rate
    1%1% back
  43. TD First Class Travel Visa Infinite CardBase rate
    ≈1%2x points
  44. WestJet RBC MastercardBase rate
    ≈1%1x points
  45. CIBC Adapta MastercardBase rate
    ≈0.83%1x points
  46. CIBC Adapta Mastercard for StudentsBase rate
    ≈0.83%1x points
  47. moi RBC VisaBase rate
    ≈0.8%1x points
  48. BMO VIPorter MastercardBase rate
    ≈0.75%0.5x points
  49. TD Platinum Travel Visa CardBase rate
    ≈0.75%1.5x points
  50. RBC ION VisaBase rate
    ≈0.71%1x points
  51. RBC ION+ VisaBase rate
    ≈0.71%1x points
  52. RBC U.S. Dollar Visa GoldBase rate
    ≈0.71%1x points
  53. BMO Ascend World Elite MastercardBase rate
    ≈0.67%1x points
  54. BMO Blue Rewards World Elite MastercardBase rate
    ≈0.67%1x points
  55. BMO eclipse Visa Infinite CardBase rate
    ≈0.67%1x points
  56. BMO eclipse Visa Infinite Privilege CardBase rate
    ≈0.67%1x points
  57. More Rewards RBC Visa InfiniteBase rate
    ≈0.6%4x points
  58. CIBC Aventura Visa CardBase rate
    ≈0.5%0.5x points
  59. CIBC Aventura Visa Card for StudentsBase rate
    ≈0.5%0.5x points
  60. CIBC Dividend Visa CardBase rate
    0.5%0.5% back
  61. CIBC Dividend Visa Card for StudentsBase rate
    0.5%0.5% back
  62. CIBC U.S. Dollar Aventura Gold Visa CardBase rate
    ≈0.5%0.5x points
  63. Scotia Momentum Mastercard Credit CardBase rate
    0.5%0.5% back
  64. Scotia Momentum No-Fee Visa CardBase rate
    0.5%0.5% back
  65. Scotia Momentum No-Fee Visa Card (for students)Base rate
    0.5%0.5% back
  66. TD Cash Back Visa CardBase rate
    0.5%0.5% back
  67. TD Rewards Visa CardBase rate
    ≈0.5%1x points
  68. More Rewards RBC VisaBase rate
    ≈0.45%3x points
  69. BMO Blue Rewards MastercardBase rate
    ≈0.34%0.5x points
  70. BMO eclipse rise Visa CardBase rate
    ≈0.34%0.5x points

Business cards

  1. American Express Aeroplan Business Reserve CardBase rate
    ≈2.5%1.25x points
  2. Business Platinum Card from American ExpressBase rate
    ≈2.5%1.25x points
  3. American Express Business Gold Rewards CardBase rate
    ≈2%1x points
  4. Marriott Bonvoy Business American Express CardBase rate
    ≈1.8%2x points

Values are cash-back equivalents: percentage rates as stated, and points at CardTruth's estimated point value (each teardown's Points & Redemption section explains it). Rates come from each card's terms; welcome offers aren't included. Confirm current rates with the issuer before you rely on them.