Capital One Walmart Rewards® Mastercard®
vs. Discover it® Chrome

Both the Capital One Walmart Rewards® Mastercard® and the Discover it® Chrome waive annual fees and offer enticing cash back rewards, appealing to savvy spenders. However, if frequent Walmart shopping is part of your routine, the Walmart Card, a co-branded store card, may edge out the competition with its higher cash back rates on Walmart.com.

The Discover it Chrome offers an introductory 0% APR on purchases and balance transfers, making it a strong contender for those looking to manage existing debt or finance new purchases. Considering the Discover it Chrome requires a higher credit score, the Walmart Card could be more accessible to a broader range of consumers.

You might prefer the Walmart Card if you frequently shop online and in-store at Walmart and want to maximize your cash back on these purchases. With higher rewards rates for Walmart-related buys and a lower credit score requirement for eligibility, this card caters to loyal Walmart customers seeking tangible rewards on their regular spending.

You might prefer the Discover it Chrome if you spend consistently on gas and dining out and could benefit from the introductory 0% APR on purchases and balance transfers. This card is ideal for those with higher credit scores who want to earn rewards in these categories while also having the option to manage existing debt through balance transfers.

Evaluating APRs, fees, credit requirements, rewards, introductory offers and other features will clarify which card aligns with your financial habits. For example, frequent Walmart shoppers may lean towards the Walmart Card for its online purchase rewards, while those who spend more on dining and gas might prefer the Discover it Chrome's cash back categories.

The Walmart Card leads with a strong rewards program, especially for frequent Walmart shoppers. With an expected reward value of $390, it's a solid choice for those who make regular purchases on Walmart.com and in-store. The 5% cash back on Walmart.com, including pickup and delivery, is particularly lucrative. The Walmart Card also offers 2% cash back on restaurant and travel purchases.

While Discover it Chrome's expected reward value is slightly lower at $341, its 2% cash back at gas stations and restaurants is notable for those who spend significantly in these categories.

For Walmart loyalists, the additional benefits of shopping with the Walmart Card can add up quickly, making it a compelling option. The Discover it Chrome does not fall far behind, offering a good return on gas and dining without any annual fee. The following table provides a comparison of the bonus categories for each card.

The Walmart Card allows you to redeem your cash back as statement credits, for purchases on Walmart.com, travel and gift cards. Rewards have no expiration date as long as your account is active.

Discover it Chrome offers a variety of redemption choices, including using cash back at Amazon or as a direct deposit. Rewards also have no expiration.

MoneyGeek's ranking process evaluates each credit card for multiple use cases, such as balance transfers and cash back, assigning scores for each. The Walmart Card scores highest for cash back, with a significant emphasis on the effective reward rate and the annual fee cost. The Discover it Chrome is top-rated for balance transfers, with the most influential factors being the introductory purchase APR and the regular APR.

These factors, among others, contribute to a comprehensive score that reflects the card's value in specific scenarios. For a detailed understanding of our scoring system, you can review our ranking methodology.