Amazon Prime Rewards Visa Signature Card
vs. Capital One Walmart Rewards® Mastercard®

Both the Amazon Prime Rewards Visa Signature Card and the Capital One Walmart Rewards Mastercard cater to shoppers looking to maximize cash back on their purchases at Amazon and Walmart, If you're a frequent Amazon shopper, the Amazon Prime Rewards card may be the better choice due to its higher cash back rate on Amazon and Whole Foods purchases.

However, if you prefer Walmart, the Capital One Walmart Rewards Mastercard edges out with its slightly higher overall cash back score. The Amazon card requires a Prime membership, but its lack of foreign transaction fees and travel insurances make it a strong contender. Conversely, the Walmart card's accessibility to those with lower credit scores and its generous rewards on Walmart.com purchases ensure it's still worth considering for the right consumer.

You might prefer the Amazon Prime Rewards Card if you're a frequent shopper at Amazon and Whole Foods Market, and you also value earning rewards on dining and travel. With this card, you'll enjoy the highest cash back rates for these categories, provided you have an Amazon Prime membership.

You might prefer the Walmart Card if your shopping is centered around Walmart, especially if you prefer in-store purchases. This card is more accessible with a lower credit score requirement and offers a generous 5% back on Walmart.com, with an added bonus for in-store purchases using Walmart Pay during the first year.

Evaluating APRs, fees, credit requirements, rewards and additional features will help you find which card aligns with your financial habits. For example, frequent Amazon shoppers may lean towards the Amazon Prime Rewards for its 5% back at Amazon and Whole Foods, while Walmart frequenters could prefer the Walmart Card for its rewards on Walmart.com purchases.

The Amazon Prime Rewards Card edges out the Walmart Card for those who frequently shop on Amazon or at Whole Foods. It offers up to 5% cash back with an eligible Prime membership. Its rewards are particularly strong for online purchases and travel booked through Chase, and it has a simple redemption process.

However, the Walmart Card matches the 5% online rate on Walmart.com, making it a strong contender for Walmart loyalists, especially with its introductory offer for in-store purchases using Walmart Pay. While both cards have no annual fee, the Amazon Prime Rewards Card requires a Prime membership for the highest cash back rate, which is a consideration for cost-conscious consumers.

The Walmart Card offers a consistent 2% back on dining and travel, which can be more beneficial for those who spend more in these categories outside of Walmart's ecosystem. Look at the table below to see how the bonus categories for each card compare.

With the Amazon Prime Rewards Card, you can use points directly on Amazon.com or as a statement credit, with the assurance that points do not expire as long as your account remains active. The Walmart Card offers flexibility as well, allowing you to redeem rewards for cash back, statement credits, Walmart.com purchases, travel and gift cards, without a specified expiration date for your rewards.

MoneyGeek examines and rates credit cards like the Amazon Prime Rewards Card and Walmart Card using a scoring system tailored to various use cases. Both cards are assessed based on their performance in the cash back category. The most significant factors in determining their scores are the effective rate of cash back rewards and the value of introductory offers.