The APR is fairly high at 19.48% or 29.99% variable, so it’s especially important to pay off your entire balance every month to avoid interest charges. If you have lots of different credit cards for different stores and spending categories, make sure you have a good management system in place so you never miss a monthly payment. With no annual fee and a straightforward cash-back program, there aren’t too many drawbacks. You can also redeem your points for travel through Capital One’s travel portal. ![]() The reimbursement is similar to the statement credit, except that the purchases reimbursed won’t be counted toward your statement balance at the end of the month. Once in the rewards section, you’ll have the choice to redeem your points as a statement credit, a check, a gift card or as a reimbursement for recent purchases. When you log into your online account through the Capital One website or mobile app, you can see how many rewards points you’ve earned by clicking on “View Rewards.” Note that your balance will be shown in points, with each point equalling one cent. There are a variety of ways you can redeem your Capital One rewards. The cash back you earn will actually post to your account in the form of rewards points. For travel and dining, you can find better cash-back credit cards with no annual fee that offer higher rates. So for online shopping at Walmart, this card is competitive - or if you’re willing to use Walmart Pay in store for the first year. Outside of Walmart, you’ll earn 2% cash back at restaurants and on travel, and 1% cash back on other purchases.ĥ% is an excellent rate for general rewards credit cards, but the standard in-brand rate for retailer credit cards. However, for the first year, you can earn 5% back at Walmart stores if you use Walmart Pay, the digital wallet app, to make your purchases. The Capital One Walmart Card earns 5% cash back on, including pick-up and delivery, and generally 2% cash back in Walmart stores. Still, if you wanted to keep the card for strictly Walmart purchases, this credit card has no annual fee so you can effortlessly earn up to 5% back at Walmart. The Capital One Walmart Rewards® Mastercard®* is the rare retailer credit card that allows you to earn cash back rather than store credit, though it does favor shopping online at to shopping in store.ĭespite the preference for online shopping, the Walmart Mastercard offers a few additional rewards categories for everyday spending outside of Walmart, like on restaurant and travel purchases - though other credit cards may offer more competitive rates. 1% cash back on all other purchases everywhere else Mastercard® is accepted
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