The Walmart Rewards card (Canada) is a popular choice for Canadians who regularly shop at Walmart stores and online.
Issued by Duo Bank of Canada, this card offers straightforward cashback rewards without an annual fee.
It’s designed for budget-conscious consumers who want to earn rewards without paying for the privilege.
Walmart’s place in Canada
In Canada, Walmart plays a significant role as a leading retail chain and a major player in the grocery, electronics, apparel, and home goods markets.
With over 400 store locations nationwide and a robust online platform through Walmart.ca
It caters to millions of Canadian households seeking affordable products and convenient shopping experiences.
Walmart’s strategic integration of this credit card with its physical and online retail operations in Canada helps:
- Deepen customer loyalty and frequent clients.
- Increase sales through branded promotions.
- Provide value through cashback and financial perks.
Whether you’re shopping in-store or online, these cards are tailored to benefit Walmart’s core customer base across Canada.
What Is the Walmart Rewards Card?
The Walmart Rewards Mastercard® allows you to earn Walmart Reward Dollars every time you shop.
These dollars can be redeemed directly at checkout in any Walmart store or on walmart.ca, making it a simple way to save on everyday purchases.
Key Features of the Card
Before diving into how to apply, here’s a breakdown of what the card offers:
- No Annual Fee: Enjoy rewards without the burden of yearly costs.
- 5% in Reward Dollars on select Walmart brands
- 2% in Reward Dollars on gas purchases, transit, and Walmart.ca grocery pickup/delivery
- 1.25% in Reward Dollars on all purchases at Walmart.ca and Walmart stores across Canada
- Earn on everyday spending: Use your card anywhere Mastercard is accepted to accumulate rewards.
- Flexible redemption: Use your Walmart Reward Dollars instantly, even on partial purchases.
Walmart Rewards™ World Mastercard
The Walmart Rewards™ World Mastercard® offers elevated rewards on select Walmart brands and online purchases, along with additional benefits.
It requires a personal income of $50,000 or a household income of $80,000, but you get 3% on purchases made at Walmart.ca.
Purchases made with the card are eligible for an extended warranty, doubling the manufacturer’s warranty for up to one additional year.
Provides coverage for eligible purchases against theft, loss, or damage for the first 90 days after purchase, up to $500 per claim.
Step-by-Step: How to Request the Walmart Rewards Card (Online)
Go to walmartrewards.ca and click Apply Now to start.
Enter Your Email
Provide a valid email address. A 6-digit confirmation code will be sent to verify your contact info.
Enter the code to proceed.
Choose a Verification Method
ID Verification: Use your government-issued ID (like a driver’s license)
Manual Application: Input your:
- Full legal name
- Address
- Date of birth
- Employment details
- SIN (optional but helps speed up approval)
Review and Accept Terms
Read and accept the terms and conditions, privacy agreement, and cardholder agreement.
Submit Your Application
Get a response within minutes. If approved, your card arrives by mail within 7–10 business days.
Interest Rates and Fees
Understanding the cost of borrowing is essential:
- Purchase Interest Rate: 19.89%
- Cash Advance Rate: 21.49%
- Late Payment Fee: Up to $29
- NSF Fee: $45 for returned payments
- Foreign Transaction Fee: Typically 2.5%
- Annual Fee: $0
Managing Your Walmart Rewards Mastercard
Once approved, you can manage your card through the Walmart Rewards mobile app or online.
Track your Reward Dollars, pay your bill, set up alerts and e-statements, and report a lost/stolen card.
Alternatives to Consider
If you’re comparing cards, here are a few similar no-annual-fee rewards cards in Canada:
- PC Financial Mastercard: Great for groceries and Shoppers Drug Mart
- Tangerine Money-Back Credit Card: Flexible category-based rewards
- MBNA Smart Cash Mastercard: Strong gas and grocery cashback
Each of these cards has strengths depending on your spending habits.
Pros and Cons List
Here’s a Pro and Cons list comparing the two Walmart Rewards cards available in Canada.
Pros
| Advantage | Details |
| No Annual Fee | Both cards come with $0 annual fee |
| High Cashback at Walmart | 5% on select Walmart brands; 3% on Walmart.ca with World Mastercard |
| Flexible Redemption | Reward Dollars can be used instantly at checkout at Walmart or Walmart.ca |
| Accepted Everywhere | Works wherever Mastercard is accepted |
| Extended Warranty & Purchase Protection | Included with World Mastercard |
| Boosted Online Rewards | 3% back at Walmart.ca (World version) |
| Gas and Transit Rewards | 2% on gas stations and transit purchases |
| No Need to Carry Coupons | Rewards are automatically tracked and applied |
| Mobile App & Online Access | Manage your card, check rewards, and pay bills easily |
Cons
| Disadvantage | Details |
| Limited to Walmart Ecosystem | Best rewards are only at Walmart or Walmart.ca |
| High Interest Rates | Purchase APR around 19.89% to 21.89%, cash advance up to 22.97% |
| Income Requirement for World Mastercard | Minimum personal income of $50,000 or household income of $80,000 |
| No Travel or Dining Perks | Rewards focus only on retail; lacks travel insurance or concierge services |
| Rewards Redemption Restrictions | Must redeem in $5 increments at Walmart only |
| No Balance Transfer Option | Not designed for those consolidating debt |
| Limited Sign-Up Incentives | No large intro bonus like some premium credit cards |
Customer Service & Contact Information
For help with your Walmart Rewards card, contact Duo Bank of Canada:
- Customer Support: 1-888-331-6133
- Available: 7 a.m. – 12 p.m. ET, 7 days a week
- Mailing Address: Duo Bank of Canada, P.O. Box 603, Station Agincourt, Scarborough, ON M1S 5K9 Canada
Conclusion
The Walmart Rewards card in Canada offers real value for regular Walmart shoppers, with no annual fee, flexible redemption, and solid cashback rewards.
With rewards of up to 5% back on Walmart brands and 1.25% at Walmart stores and online, it’s a practical card for maximizing everyday purchases.
If you’re ready to save more on your Walmart runs, consider completing the application today via walmartrewards.ca.
Disclaimer: This article is for informational purposes only. Terms, interest rates, and rewards may change. Please check with Duo Bank of Canada or Walmart Rewards for the latest details before applying.
