With more than $480 billion a year in revenue, you'd think Walmart could swing a better credit card — but, sadly, that's not the case. Perhaps valuable for shoppers who spend a lot through Walmart.com thanks to the 3% bonus cash back rate, the 1% rewards rate for in-store purchases makes the Walmart Credit Card less-than-ideal even for regular shoppers. Yes, in a bit of colloquial irony, the best credit card deals for shopping in Walmart aren't actually from the store that prides itself on offering the best deals. Overall, the vast majority of customers will benefit far more from an all-purpose credit card with better rewards and/or a more reasonable APR than that of the Walmart Credit Card. We rated the a /5.0, with it’s APR on purchases being a major factor in that rating. We generally recommend using credit cards with a lower APR and better set of rewards, whether you’re shopping at or elsewhere. For better options than the , see our top picks for 2023: 0% APR Credit Cards Air Miles Credit Cards Cash Back Credit Cards If you decide the or another card is right for you, be sure to know all the terms and details before applying. Happy shopping!