Walmart Rewards Mastercard vs Walmart Rewards World Mastercard
Two cards, one Standard Score rubric. The Walmart Rewards Mastercard scores higher overall at 4.0/10, but the right pick depends on which components match your spending.
The verdict
PassIdentical earn (3% on Walmart purchases, 1% elsewhere, no annual fee, and the same $25 welcome), so this comes down to the extras. The World Mastercard adds purchase insurance and a few more months of free Walmart Delivery Pass, but requires you to qualify for the World tier. If you're approved for the World version, take it for the free insurance; the earn is the same either way, and both are really only worth carrying for heavy Walmart shoppers.
See offer · current Walmart Rewards Mastercard offer, direct from the issuer
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
| Walmart Rewards Mastercard | Walmart Rewards World Mastercard | |
|---|---|---|
| Standard Score | 4.0/10 · Pass | 3.9/10 · Pass |
| Annual fee | None | None |
| Welcome bonus | $25 in Walmart Reward Dollars after a single purchase of $75 or more within 30 days of approval | $25 in Walmart Reward Dollars after a single purchase of $75 or more within 30 days of approval |
| Est. bonus value | ≈ $25 | ≈ $25 |
| First-year net value | ≈ $80 | ≈ $85 |
| Earn rates |
|
|
| Points currency | Walmart Reward Dollars | Walmart Reward Dollars |
| No FX fees | No | No |
| Lounge access | No | No |
Where the Walmart Rewards Mastercard wins
- Low friction: scores 8.0/10 on this component
Where the Walmart Rewards World Mastercard wins
- Perk usability: scores 4.0/10 on this component
Read the full reviews: Walmart Rewards Mastercard and Walmart Rewards World Mastercard, or see how both rank in Best Cash Back Credit Cards in Canada.