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Walmart accepts all major credit cards. These picks maximize your rewards at Walmart stores and Walmart.com.

Capital One Walmart Rewards Mastercard

Official Walmart card — 5% at Walmart.com, 2% in Walmart stores, 2% at restaurants and travel.

• Rewards: 5% Walmart.com, 2% Walmart stores, 2% restaurants/travel, 1% other
• Annual Fee: $0
• Welcome Bonus: 5% back in Walmart stores for first 12 months

Citi Double Cash Card

2% flat on all Walmart purchases — simple and effective without a co-branded card.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Chase Freedom Unlimited

Earns 1.5% on Walmart in-store purchases — solid catch-all Visa accepted everywhere.

• Rewards: 1.5% on most purchases including Walmart
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Capital One Walmart Rewards	5% Walmart.com	$0	Walmart shoppers
Citi Double Cash	2% everywhere	$0	Simple option
Chase Freedom Unlimited	1.5%	$0	Catch-all card

How to Choose

Heavy Walmart.com shoppers should get the Capital One Walmart Rewards card — 5% back on online orders is exceptional. In-store shoppers may prefer a flat-rate card for simplicity.

Frequently Asked Questions

Is the Walmart credit card worth it?

If you spend $200+/month at Walmart.com, the 5% return on online purchases makes it very worthwhile.

Does the Walmart card work outside Walmart?

Yes — the Capital One Walmart Rewards Mastercard works anywhere Mastercard is accepted.

What about Walmart grocery pickup?

Walmart.com orders including grocery pickup count as Walmart.com purchases and earn 5% with the Walmart card.

Costco is one of the few major retailers that accepts only Visa cards. These picks maximize your Costco and everyday spending rewards.

Costco Anywhere Visa by Citi

The official Costco credit card — 4% on gas, 3% restaurants/travel, 2% at Costco, 1% everywhere else.

• Rewards: 4% gas, 3% restaurants/travel, 2% Costco, 1% other
• Annual Fee: $0 (requires Costco membership)
• Welcome Bonus: None

Citi Double Cash Card

2% everywhere — great backup for Costco purchases if you don’t want a co-branded card.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Chase Freedom Unlimited

1.5–5% Visa card accepted at Costco, with elevated travel and dining rewards.

• Rewards: 5% travel, 3% dining, 1.5% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Costco Anywhere Visa	2–4% at Costco/gas	$0*	Costco members
Citi Double Cash	2% everywhere	$0	Simple backup
Chase Freedom Unlimited	1.5–5%	$0	Flexible Visa

How to Choose

Costco members should use the Costco Anywhere Visa card — 2% at Costco plus 4% at gas stations (including Costco gas) is hard to beat.

Frequently Asked Questions

What credit cards work at Costco?

Costco only accepts Visa credit cards in-store. All major Visa cards work, plus Costco debit cards.

Can I get the Costco Visa without a membership?

No — the Costco Anywhere Visa requires an active Costco membership.

How are Costco Visa rewards paid out?

Rewards accumulate throughout the year and are paid as a Costco cash voucher in February, redeemable at Costco.

Wells Fargo has relaunched its credit card lineup with competitive rewards, strong welcome bonuses, and unique benefits like cell phone protection.

Wells Fargo Active Cash Card

Simple true 2% cash rewards on everything — one of the best flat-rate cards anywhere with a solid welcome bonus.

• Rewards: 2% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Wells Fargo Autograph Card

Strong no-fee card with 3x on restaurants, travel, gas, transit, streaming, and phone — six key categories.

• Rewards: 3x on restaurants, travel, gas, transit, streaming, phone; 1x other
• Annual Fee: $0
• Welcome Bonus: 30,000 points after $1,500 spend in 3 months

Wells Fargo Reflect Card

Best for balance transfers — up to 21 months at 0% APR with no annual fee.

• Rewards: None (balance transfer focused)
• Annual Fee: $0
• Welcome Bonus: None

Quick Comparison

Card	Rewards	Annual Fee	Best For
Wells Fargo Active Cash	2% everything	$0	Flat-rate cash back
Wells Fargo Autograph	3x 6 categories	$0	Category spenders
Wells Fargo Reflect	None	$0	Balance transfers

How to Choose

Wells Fargo Active Cash and Autograph are both excellent no-fee cards. Active Cash for simplicity; Autograph if you spend heavily in its six 3x categories.

Frequently Asked Questions

What happened to Wells Fargo credit cards?

Wells Fargo revamped its credit card lineup, launching Active Cash and Autograph to become more competitive with Chase and Capital One.

Do Wells Fargo cards have foreign transaction fees?

Autograph has no foreign transaction fees. Active Cash charges 3% on international purchases.

What is the Wells Fargo cell phone protection benefit?

Active Cash and Autograph provide up to $600 cell phone protection (after $25 deductible) when you pay your phone bill with the card.

Bank of America cards shine for existing customers who can boost rewards through the Preferred Rewards program by up to 75%.

Bank of America Customized Cash Rewards

3% in a category you choose plus 2% at grocery stores — and Preferred Rewards members earn up to 5.25% in their chosen category.

• Rewards: 3% chosen category, 2% grocery/wholesale (up to $2,500/quarter), 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $1,000 spend in 90 days

Bank of America Unlimited Cash Rewards

Simple 1.5% flat-rate card that upgrades to 2.625% for Preferred Rewards Platinum Honors members.

• Rewards: 1.5% on all purchases
• Annual Fee: $0
• Welcome Bonus: $200 after $1,000 spend in 90 days

Bank of America Premium Rewards

2x on travel and dining with a $100 airline incidental credit and TSA PreCheck credit.

• Rewards: 2x travel/dining, 1.5x other
• Annual Fee: $95
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
BofA Customized Cash	3% custom/2% grocery	$0	BofA customers
BofA Unlimited Cash	1.5–2.625%	$0	Preferred Rewards members
BofA Premium Rewards	2x travel/dining	$95	Premium travel

How to Choose

Bank of America cards are most valuable for customers with $20,000+ in BofA or Merrill accounts — the Preferred Rewards boost can take a 3% card to 5.25%.

Frequently Asked Questions

What is the Bank of America Preferred Rewards program?

A loyalty program that boosts credit card rewards by 25–75% based on your combined BofA and Merrill account balances.

How do I maximize BofA rewards?

Hold $100,000+ in BofA/Merrill accounts to reach Platinum Honors tier, which gives a 75% rewards boost.

Are BofA cards good if I don’t bank there?

The base rewards are competitive but not exceptional. The cards are most compelling for existing BofA/Merrill clients.

Discover offers some of the most rewarding cards for building credit and earning cash back, with no foreign transaction fees and U.S.-based customer service.

Discover it Cash Back

Best Discover card overall — 5% in rotating quarterly categories (grocery, gas, Amazon, etc.) with first-year Cashback Match.

• Rewards: 5% rotating categories (up to $1,500/quarter), 1% other
• Annual Fee: $0
• Welcome Bonus: Cashback Match — all rewards doubled after year 1

Discover it Miles

Flat 1.5x miles on everything with no annual fee and the same first-year Cashback Match.

• Rewards: 1.5x miles on all purchases
• Annual Fee: $0
• Welcome Bonus: All miles matched at end of year 1

Discover it Secured

Best secured card on the market — real 2% rewards at restaurants and gas, no annual fee, and upgrade path to unsecured.

• Rewards: 2% at restaurants/gas, 1% other
• Annual Fee: $0
• Welcome Bonus: Cashback Match at end of year 1

Quick Comparison

Card	Rewards	Annual Fee	Best For
Discover it Cash Back	5% rotating	$0	Category maximizers
Discover it Miles	1.5x miles	$0	Travel earners
Discover it Secured	2% dining/gas	$0	Credit builders

How to Choose

The Discover it Cash Back is outstanding for anyone willing to track rotating 5% categories. For simplicity, Discover it Miles gives solid flat-rate rewards.

Frequently Asked Questions

How does Discover Cashback Match work?

At the end of your first 12 months, Discover automatically doubles all the cash back you’ve earned — no enrollment or limits.

Is Discover accepted everywhere?

Discover is accepted at over 99% of US merchants and widely internationally. It’s a major network like Visa and Mastercard.

Does Discover charge foreign transaction fees?

No — Discover has no foreign transaction fees on any of its cards.

Citi offers a diverse card lineup from no-fee cash back to premium travel rewards. Here are the top Citi cards worth having in your wallet.

Citi Double Cash Card

The best flat-rate cash back card period — 2% on everything with no annual fee and no gimmicks.

• Rewards: 2% on all purchases (1% when buy + 1% when pay)
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Citi Custom Cash Card

5% in your top spending category each billing cycle automatically — no enrollment needed.

• Rewards: 5% in your top category (up to $500/month), 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $1,500 spend in 6 months

Citi Premier Card

Best Citi travel card with 3x on restaurants, supermarkets, gas, air travel, and hotels.

• Rewards: 3x restaurants, groceries, gas, air travel, hotels
• Annual Fee: $95
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Citi Double Cash	2% everywhere	$0	Simplicity
Citi Custom Cash	5% top category	$0	Single-category maximizers
Citi Premier	3x 5 categories	$95	Multi-category earners

How to Choose

Citi Double Cash for simplicity; Citi Custom Cash for automatic 5% in your biggest spend category; Citi Premier for travel rewards across five categories.

Frequently Asked Questions

What are Citi ThankYou points worth?

About 1 cent each for cash back, or more for travel and airline transfers. Transfer partners include Turkish Airlines, Singapore Airlines, and others.

Can I combine Citi ThankYou points from multiple cards?

Yes — Citi allows you to pool ThankYou points from multiple cards into one account.

Does Citi have a 5/24 rule like Chase?

No — Citi doesn’t use the same 5/24 rule, though they have their own restrictions on opening multiple Citi cards too quickly.

Capital One has transformed from a subprime lender into one of the most innovative card issuers with competitive rewards and no foreign transaction fees.

Capital One Venture X Rewards

Best Capital One card overall — $395 annual fee with $300 travel credit, Priority Pass lounge access, and 2x on everything.

• Rewards: 2x everywhere, 5x hotels/rentals, 10x via portal
• Annual Fee: $395
• Welcome Bonus: 75,000 miles after $4,000 spend in 3 months

Capital One Venture Rewards

Classic travel card with 2x miles on everything, solid transfer partners, and TSA PreCheck credit.

• Rewards: 2x miles on all purchases
• Annual Fee: $95
• Welcome Bonus: 75,000 miles after $4,000 spend in 3 months

Capital One SavorOne Cash Rewards

Best no-fee Capital One card — 3% on dining, entertainment, grocery, and streaming.

• Rewards: 3% dining/entertainment/grocery/streaming, 1% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Capital One Venture X	2x everywhere	$395	Premium travelers
Capital One Venture	2x miles	$95	Mid-tier travel
Capital One SavorOne	3% food/entertainment	$0	No-fee earners

How to Choose

The Venture X is one of the best premium travel cards in the market at $395. For a no-fee option, SavorOne’s 3% on dining and grocery is hard to beat.

Frequently Asked Questions

Does Capital One charge foreign transaction fees?

No — all Capital One cards have no foreign transaction fees, making them excellent for international travel.

What are Capital One miles worth?

1 cent each for travel purchases, or transfer to 18+ airline and hotel partners for potentially higher value.

How good is Capital One’s approval process?

Capital One is known for being approachable. They pre-approve many applicants and offer cards at multiple credit tiers.

American Express offers premium rewards, excellent customer service, and exclusive perks. Here are the top Amex cards for every type of spender.

Amex Blue Cash Preferred

Best Amex card for most households — 6% at US supermarkets, 3% gas, and strong entertainment rewards.

• Rewards: 6% US supermarkets, 3% gas/transit, 1% other
• Annual Fee: $95
• Welcome Bonus: $250 after $3,000 spend in 6 months

Amex Gold Card

Best for foodies — 4x at restaurants worldwide and US supermarkets, with dining credits that offset the fee.

• Rewards: 4x dining and US supermarkets, 3x flights
• Annual Fee: $250
• Welcome Bonus: 60,000 points after $6,000 spend in 6 months

Amex Platinum Card

Premium travel card with unmatched lounge access, hotel elite status, and $1,400+ in annual credits.

• Rewards: 5x on flights and prepaid hotels
• Annual Fee: $695
• Welcome Bonus: 80,000 points after $8,000 spend in 6 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Amex Blue Cash Preferred	6% groceries	$95	Households
Amex Gold	4x dining/grocery	$250	Foodies
Amex Platinum	5x flights	$695	Luxury travelers

How to Choose

The Blue Cash Preferred is the best value for most Americans. Foodies should consider the Gold Card; heavy travelers who fly frequently will find the Platinum worth its premium fee.

Frequently Asked Questions

Is Amex accepted everywhere?

Amex is accepted at over 99% of US merchants that accept credit cards, and widely abroad. Acceptance has never been better.

What are Amex Membership Rewards points worth?

Roughly 1–2 cents each depending on redemption — airline transfers often yield the best value.

Does Amex have good customer service?

Amex consistently ranks #1 for credit card customer service in J.D. Power surveys. Premium cardholders get dedicated concierge support.

Chase offers one of the best credit card lineups in the US. Whether you want cash back, travel rewards, or a premium experience, Chase has a card for you.

Chase Freedom Unlimited

Best everyday Chase card — 1.5% on everything with no annual fee, plus elevated rewards on dining and travel.

• Rewards: 5% travel, 3% dining/drugstores, 1.5% other
• Annual Fee: $0
• Welcome Bonus: $200 after $500 spend in 3 months

Chase Sapphire Preferred

Best mid-tier Chase card for travel — flexible Ultimate Rewards points with strong transfer partners.

• Rewards: 3x dining, 2x travel, 1x other
• Annual Fee: $95
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Chase Sapphire Reserve

Premium Chase card with $300 travel credit, Priority Pass lounge access, and 3x on dining and travel.

• Rewards: 3x dining/travel, $300 travel credit
• Annual Fee: $550
• Welcome Bonus: 60,000 points after $4,000 spend in 3 months

Quick Comparison

Card	Rewards	Annual Fee	Best For
Chase Freedom Unlimited	1.5–5%	$0	No-fee earners
Chase Sapphire Preferred	2–3x points	$95	Mid-tier travel
Chase Sapphire Reserve	3x travel/dining	$550	Premium travelers

How to Choose

Start with Chase Freedom Unlimited (no fee), then add Chase Sapphire Preferred when you travel regularly. The two cards together create a powerful rewards ecosystem.

Frequently Asked Questions

Can I have multiple Chase cards?

Yes — Chase allows multiple cards, but applies the 5/24 rule: typically won’t approve you if you’ve opened 5+ cards in 24 months.

What is the Chase 5/24 rule?

Chase typically declines applications if you’ve opened 5 or more credit cards (any issuer) in the past 24 months.

What are Chase Ultimate Rewards points worth?

At minimum 1 cent each when redeemed for cash, up to 1.5–2 cents for travel via the Chase portal or partner transfers.

If you’re carrying $5,000 or more in credit card debt, the right balance transfer card can save you $500–$2,000 in interest while you pay it down.

Citi Diamond Preferred Card

21 months at 0% gives you the longest possible runway for large balances with manageable monthly payments.

• Rewards: None
• Annual Fee: $0 annual fee; 3% transfer fee
• Welcome Bonus: None

Wells Fargo Reflect Card

Up to 21 months at 0% — and if you make minimum payments on time, you can qualify for the full 21-month extension.

• Rewards: None
• Annual Fee: $0 annual fee; 3% transfer fee
• Welcome Bonus: None

Chase Slate Edge

0% intro APR with a path to lower your APR long-term by meeting spending and payment benchmarks.

• Rewards: None
• Annual Fee: $0
• Welcome Bonus: None

Quick Comparison

Card	Rewards	Annual Fee	Best For
Citi Diamond Preferred	None	$0 annual/3% transfer	Maximum 0% period
Wells Fargo Reflect	None	$0 annual/3% transfer	Flexible extension
Chase Slate Edge	None	$0	Long-term APR reduction

How to Choose

For a $10,000 balance, paying $476/month over 21 months pays it off completely interest-free. Compare that to minimum payments at 24% APR — you’d pay $4,000+ in interest.

Frequently Asked Questions

How much can I transfer?

Up to your new card’s credit limit, typically $5,000–$15,000 for well-qualified applicants.

Should I close my old card after transferring?

No — closing accounts can hurt your credit score. Keep the old card open (and empty) to maintain your credit history.

What if I can’t pay it off in the intro period?

Have a backup plan — either a second transfer card or a personal loan at a low rate to cover the remaining balance.