How Do I Use Walmart Rewards? (All You Need to Know)

Walmart offers its customers several different kinds of financial services, including two credit cards that will earn you Rewards when you shop.

If you have one of these credit cards, or are planning to sign up for one, you may want to know how to use Walmart Rewards and what benefits they bring. We looked it up, and found a lot of useful information for you!

How Do I Use Walmart Rewards In [currentyear]?

Walmart Rewards points can be redeemed by signing in to the Capital One website. The points can be applied towards your credit card bill, or credited to your bank account via direct deposit in [currentyear]. You can ask for a check to be mailed to you for the amount. Walmart Rewards points can be used to buy Walmart gift cards.

If you still have more questions about how to use Walmart Rewards cards, read on for more important details and useful tips!

What Are Walmart Rewards?

As part of Walmart’s financial services, the company offers customers two different credit cards they can use to earn Rewards when they shop.

The two cards are the Capital One Walmart Rewards Card and the Capital One Walmart Rewards MasterCard.

They can both be used at Walmart stores and online, and earn rewards on Walmart purchases.

The only difference between the two cards is that the Capital One Walmart Rewards MasterCard can be used at other stores besides Walmart as well.

Additionally, the Capital One Walmart Rewards Card can only be used at Walmart stores, at and at Walmart and Murphy’s Gas Stations.

This card is a good choice if you shop a lot at Walmart, or make a lot of online purchases at

How Do Walmart Rewards Work?

When you use your Capital One Walmart Rewards card, or the Capital One Walmart Rewards MasterCard at, you earn 5% cash back. 

For both cards, store purchases at Walmart get 5% cash back in the first year, and 2% after that. You also get 2% back on dining and travel, and 1% back on all other eligible purchases.

Cashback is earned in the form of Walmart Rewards points for every dollar you spend using these two cards.

How Much Are Walmart Rewards Points Worth?

How Much Are Walmart Rewards Points Worth?

The Rewards points that you earn are worth 1 cent each. Therefore, the 100 points would be worth $1 in cash rewards, and 1000 points will be worth $10 in Rewards.

You can use an online Walmart Rewards points calculator to check how many points you have earned on your Walmart credit card.

You can manage your Walmart Rewards online at, the Capital One website, or Capital One mobile app, which you use to access your card online.

You can use these sites to track you Walmart Rewards.

How Do I Redeem My Reward Points?

There are several ways to redeem your Walmart Reward points. First, you have to sign in to your Capital One Walmart card account.

Once you are signed in to your account, you can redeem your points as a statement credit to pay for your credit card bill, which effectively lets you pay for your credit card purchases with your points.

You can also ask for a direct deposit to your bank account, or have a check mailed to you.

Other options are to use your Reward points to pay for purchases at, or turn them into gift cards to share with others.

Do Walmart Reward Points Expire?

The good news about Walmart Reward points is that they never expire.

So, as long as your account is in good standing and has not been closed by yourself or by Capital One, you can redeem your points.

Why Can’t I Redeem My Rewards?

If you are unable to redeem your Walmart Rewards, it may be because your account is not in good standing due to an unpaid bill, or because your account has been shut down.

For an account to be in good standing, it must not be suspended, restricted, delinquent, or in default.

To learn more, you can also read our posts on whether or not Walmart does cash back, Walmart rewards program, and if Walmart has gas rewards.


Walmart Rewards help you earn cash back when you shop using your Walmart credit cards. You earn points for each dollar you spend, and the points have a cash value.

You can use your Walmart Rewards to pay your credit card bill, or redeem them by having the amount sent to your bank account by direct deposit. You can also have a check mailed to you.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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