We may earn a commission for purchases through links on our site at no cost to you, Learn more.
If you’re considering a Walmart credit card, you may be wondering, “Can you use Capital One Walmart Card anywhere?” The simple answer is yes, you can use the Capital One Walmart Rewards Mastercard anywhere Mastercard is accepted.
This flexibility is one of the standout features of the Capital One Walmart Rewards Mastercard when compared to the Walmart Rewards Card. Let’s take a closer look at these two cards, what they offer, and why one might suit your needs better than the other.
Introduction
Credit cards are an essential tool for many people, offering a way to make purchases conveniently and earn rewards. Walmart, one of the largest retailers in the world, offers two types of credit cards that are popular among shoppers: the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card.
Understanding how and where each of these cards can be used, along with the benefits they offer, is key to making the right choice for your spending habits. In this post, we’ll explore the main differences between the two cards, focusing on flexibility, rewards, fees, and more.
The Capital One Walmart Rewards Mastercard
The Capital One Walmart Rewards Mastercard is a versatile credit card that can be used for purchases not only at Walmart but also at any merchant that accepts Mastercard. This means you can use it just like any other Mastercard credit card at countless stores, online retailers, and service providers worldwide.
This makes the Capital One Walmart Rewards Mastercard a great option for people who shop both at Walmart and other places regularly.
Can You Use Capital One Walmart Card Anywhere?
Yes, you can use Capital One Walmart Card anywhere Mastercard is accepted. This gives you the flexibility to use your card for everyday purchases beyond Walmart.
Whether you’re grocery shopping at your local store, booking a flight online, or eating out at a restaurant, the Capital One Walmart Rewards Mastercard can help you earn rewards for your purchases.
This feature is a major advantage for individuals who want a card that works for a wide range of purchases and offers rewards on all those transactions.
Rewards on Everyday Purchases
The Capital One Walmart Rewards Mastercard offers attractive rewards on various types of spending, including:
- Walmart Purchases: You’ll earn 5% back on purchases made at Walmart.com or through the Walmart app.
- Dining and Travel: You can earn 2% back on dining, takeout, and travel-related purchases.
- Other Purchases: For all other purchases, you’ll earn 1% back.
These rewards accumulate as points, and they can be redeemed for Walmart purchases or used for statement credits.
No Annual Fee or Foreign Transaction Fees
The Capital One Walmart Rewards Mastercard comes with no annual fee, making it a cost-effective option for many people. Plus, there are no foreign transaction fees, which means you won’t have to worry about extra charges when using the card abroad.
The Walmart Rewards Card
While the Capital One Walmart Rewards Mastercard offers broad flexibility, the Walmart Rewards Card is a more specialized credit card. This card can only be used at Walmart stores and Walmart.com. It’s an excellent choice for people who do most of their shopping at Walmart and prefer a card dedicated to earning rewards exclusively at this retailer.
Rewards on Walmart Purchases
The Walmart Rewards Card allows you to earn rewards on every purchase you make at Walmart and Walmart.com, but it doesn’t offer the same level of flexibility as the Capital One Walmart Rewards Mastercard. With this card, you’ll earn:
- 5% Back on Walmart Purchases: Earn the highest rate of 5% back on Walmart purchases made in-store (using Walmart Pay) and online at Walmart.com.
- No Rewards on Other Purchases: Unlike the Capital One Walmart Rewards Mastercard, you will not earn rewards on purchases outside of Walmart.
Flexibility of the Capital One Walmart Rewards Mastercard
One of the most significant differences between the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card is the level of flexibility.
The Capital One Walmart Rewards Mastercard is not restricted to Walmart; it works just like any other Mastercard and can be used almost anywhere. Whether you’re shopping for clothing, booking travel, or dining out, you can earn rewards on these purchases.
On the other hand, the Walmart Rewards Card is limited to Walmart purchases only. It’s ideal for loyal Walmart shoppers who want to maximize their rewards on Walmart-related transactions but won’t benefit much if they shop at other retailers.
If you prefer more freedom to use your card wherever you go, the Capital One Walmart Rewards Mastercard offers that flexibility. Plus, you’ll still earn decent rewards on other purchases, including dining and travel.
What You Need to Know About Fees
Both the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card are free from an annual fee. This means that you won’t be charged just for holding the card. This makes both cards relatively low-cost options, especially when compared to other credit cards that may charge an annual fee.
However, one key advantage of the Capital One Walmart Rewards Mastercard is that it doesn’t charge foreign transaction fees. This means that if you’re traveling abroad, you won’t be hit with extra charges when using your card at merchants that accept Mastercard. This makes it an excellent choice for those who travel internationally.
Traveling with Your Card
Both cards offer similar benefits when it comes to traveling. Capital One and Walmart have made sure that you can continue to use your card without worrying about notifying Capital One about your travel plans. Simply use the card as you would at home.
The ability to use the Capital One Walmart Rewards Mastercard abroad without worrying about extra fees is a great perk. For example, you can use the card in stores, restaurants, or ATMs in foreign countries that accept Mastercard, earning rewards without incurring foreign transaction fees.
The Capital One and Walmart Partnership
Walmart and Capital One recently announced the end of their consumer card partnership, but existing cardholders will continue to be able to use their Capital One Walmart Rewards Mastercard and Walmart Rewards Card without any issues.
You’ll still be able to use these cards anywhere Mastercard is accepted or for purchases at Walmart as usual, even though the partnership has ended.
This means that if you currently have either card, there will be no immediate changes to how you use it. You can continue to make purchases as you have in the past, whether it’s at Walmart or another store that accepts Mastercard.
Frequently Asked Questions
Here are some of the related questions people also ask:
Can the Capital One Walmart Rewards Mastercard be used outside of Walmart?
Yes, the Capital One Walmart Rewards Mastercard can be used anywhere that accepts Mastercard, not just at Walmart. It offers flexibility for everyday purchases.
What is the difference between the Capital One Walmart Rewards Mastercard and the Walmart Rewards Card?
The Capital One Walmart Rewards Mastercard can be used anywhere Mastercard is accepted, while the Walmart Rewards Card is only for purchases at Walmart and Walmart.com.
Does the Capital One Walmart Rewards Mastercard have foreign transaction fees?
No, the Capital One Walmart Rewards Mastercard does not charge foreign transaction fees, making it a great option for international travel.
Can I earn rewards with the Walmart Rewards Card outside of Walmart?
No, the Walmart Rewards Card only earns rewards on purchases made at Walmart and Walmart.com. It does not offer rewards for purchases made at other retailers.
Is there an annual fee for the Capital One Walmart Rewards Mastercard?
No, the Capital One Walmart Rewards Mastercard has no annual fee, making it a cost-effective option for cardholders.
How do I earn rewards with the Capital One Walmart Rewards Mastercard?
You can earn 5% back on Walmart.com and in the Walmart app, 2% back on dining and travel, and 1% back on all other purchases.
Can I use the Walmart Rewards Card at other stores besides Walmart?
No, the Walmart Rewards Card can only be used for purchases at Walmart and Walmart.com. It is not accepted at other merchants.
Do I need to notify Capital One when traveling abroad with the Capital One Walmart Rewards Mastercard?
No, you don’t need to notify Capital One when traveling. You can use the Capital One Walmart Rewards Mastercard abroad just like you would at home.
Can I still use my Capital One Walmart Rewards Card after the Walmart and Capital One partnership ends?
Yes, you can continue to use your Capital One Walmart Rewards Card wherever Mastercard is accepted and for Walmart purchases, even after the partnership ends.
The Bottom Line
So, can you use Capital One Walmart Card anywhere? Absolutely. The Capital One Walmart Rewards Mastercard offers significant flexibility, allowing you to use it at any location that accepts Mastercard. This gives it a distinct advantage over the Walmart Rewards Card, which is limited to Walmart purchases only.
For those who shop at various stores, travel frequently, or dine out often, the Capital One Walmart Rewards Mastercard is an ideal option. It offers rewards for purchases across various categories and provides flexibility that the Walmart Rewards Card simply cannot match.
Both cards have their place, however, depending on your shopping habits. If Walmart is your primary shopping destination, the Walmart Rewards Card may be a more straightforward option.
But if you’re looking for a versatile card that can be used anywhere and rewards you for a wide range of purchases, the Capital One Walmart Rewards Mastercard is the clear winner.
In the end, choosing the right card depends on your needs and preferences, but now you know the answer to the question: Yes, you can use Capital One Walmart Card anywhere Mastercard is accepted.