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Walmart Financial credit cards

Walmart Financial has been providing Canadians with credit card options since 2010.
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This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Annual fee $0
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 10 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 10 months
Card description
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50). 
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally
Features
  • 24/7 Customer Service
  • Fraud Protection

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Annual fee $39
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$39
Purchase interest rate
8.99%
Cash advance rate
24.99%
Balance transfer rate
0%
8.99% after 6 months
Card description
  • $39 annual fee
  • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 3% of the amount advanced (minimum fee of $7.50). 
  • A suite of comprehensive insurance**
  • Around-the-clock-fraud protection
  • Access to 24/7 customer service
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $0
Rewards rate 4% Cash back on two categories of your choice
Bonus offer 1.95% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
Tangerine
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.95%
Cash advance rate
19.95%
Balance transfer rate
1.95%
19.95% after 6 months
Card description
  • Get a 1.95% interest rate on balance transfers for the first 6 months, with a fee of 1% of the amount advanced
    • Only available for 30 days after being approved for a Tangerine Credit Card
  • Earn 4% Money-Back Rewards on purchases in two Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases
  • Get three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • No limit on the amount of Money-Back Rewards you can earn
  • No annual fee
  • 2.5% Foreign Conversion Fee
  • Free Cards for Authorized Users on your Account
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • Purchase Assurance and Extended Warranty
  • Accepted worldwide at more than 24 million locations in over 210 countries
  • Mastercard Zero Liability
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
Annual fee $29
Rewards rate N/A
Bonus offer 0.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$29
Purchase interest rate
12.99%
Cash advance rate
12.99%
Balance transfer rate
0.99%
12.99% after 6 months
Card description
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29) ◊. For accounts opened by June 30, 2019.
  • Save hundreds of dollars in interest a year.
  • Low 12.99% interest rate.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Annual fee $65
Rewards rate 1 Air Miles reward mile per $15 spent
Bonus offer 2,000 Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$65
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New American Express® AIR MILES®* Platinum Credit Card card members, earn a Welcome Bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your card within your first three months of card membership. That's enough for a select flight
  • Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partner
  • * Excludes purchases made at airmilesshops.ca
  • Earn 1 Mile for every $10 in card purchases at AIR MILES®* Partners and at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 Mile for every $15 in card purchases everywhere else
  • Optional balance transfer offer - Enjoy a 1.99% interest rate in the first 6 months of card membership if you choose to transfer your other credit card balances to this American Express card
  • Balance transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Shop at participating AIR MILES®* Partners®* across Canada with your card and show your AIR MILES®* Card, and you can earn reward miles twice *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Air Miles Rewards
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Annual fee $99 $0 for the first year
Rewards rate 4% Cash back on gas and grocery store purchases
Bonus offer 10% Cash back on everyday purchases (first 3 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Excellent
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description

•  Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases).1 Plus, no annual fee in the first year.◊ A welcome offer of up to $299.†. For accounts opened by April 30, 2019.
•  4% on eligible gas station and grocery store purchases
•  2% on eligible drug store purchases and recurring bill payments
•  1% cash back on all other eligible everyday purchases
•  Rates, fees, and other information are effective as of March 1, 2018. Subject to change.

Annual fee $0
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that) ◊. For accounts opened by June 30, 2019.
  • A great low rate with no annual fee.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features
  • Rental Car Discounts
Annual fee $120
Rewards rate 5 Points per $1 spent on eats and drinks, including groceries
Bonus offer 30,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Fair
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • In your first year as a new Cobalt Cardmember, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your Card. This could add up to 30,000 points in a year.
  • 30,000 points is enough for:
    • An eligible short-haul flight using the Fixed Points Travel Program, or
    • $300 in statement credits redeemed towards travel purchases charged to your Card or
    • $300 worth of tickets on Ticketmaster.ca
  • Earn 5 points for every $1 spent on Card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in Card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your Card purchases
  • Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
  • Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies.
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions Apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Fraud Protection
  • Rental Car Insurance
  • Travel Benefits
  • Travel Insurance

This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Annual fee $0
Rewards rate 1 Best Western point per $1 spent
Bonus offer 20,000 Best Western Rewards points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
1.99%
22.99% after 10 months
Card description
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡ 
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡ 
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay 
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year◊◊ 
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year 
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more. 
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50)
  • Standard Annual Interest Rates of 19.99% on eligible purchases, 22.99% on balance transfers✪and access cheques, and 22.99% on cash advances
  • No annual fee
Features
  • No Limit on Points Earned
Annual fee $150
Rewards rate 2 Points per $1 spent
Bonus offer 25,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$150
Purchase interest rate
N/A
Penalty APR is 30%
Cash advance rate
N/A
Balance transfer rate
N/A
Card description
  • New American Express® Gold Rewards* card members can earn a welcome bonus of 25,000 Membership Rewards® points just by making $1,500 in purchases in the first three months of card membership. That’s enough to redeem for a round-trip Fixed Mileage Flight Reward TM* to almost anywhere in North America.
  • Earn 2 points for every $1 on eligible travel and everyday purchases
  • Charge any travel to your card then pay for it with points. Your points can even cover taxes and fees!
  • Transfer your points to frequent flyer programs, including Avios and Aeroplan®*
  • Free Additional Gold Rewards Card (a $50 value*) to help you earn points faster
  • Receive up to a $100 USD hotel credit at participating properties on qualifying room charges and a room upgrade, when available
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • *As a charge card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
  • Conditions apply
Features
  • 24/7 Customer Service
  • American Express Hotel Collection
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Discounts
  • Rental Car Insurance
  • Travel Insurance
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The Walmart Financial advantage

 

Walmart is one of Canada’s biggest retailers — more than a million customers visit the 317 retail outlets it operates nationwide. When the company launched Walmart Canada Bank, a subsidiary of Wal-Mart Canada Corp., the multinational’s goal was to bring Canadians financial products and services that help them save money. And it’s done just that. Walmart has only one card on offer right now through its partnership with Mastercard, and it’s aimed at low-income families or individuals.

Here’s what you get when you choose Walmart for your credit card needs.

 

Low-barrier to entry

It’s relatively easy to qualify for a no-fee Walmart credit card; you only need a household income of $12,000.

 

A rewards system that’s easy to understand

Unlike other rewards programs, Walmart’s is refreshingly straightforward. It doesn’t operate on a points-system. Instead, rewards are earned in dollar equivalents, so it's easy to see how much you’ve earned. However, you can’t redeem your rewards for cold, hard cash — it can only be used for purchases made at Walmart. You can begin redeeming once you’ve earned a minimum of $5. Plus, your balance never expires.

 

Walmart has you covered

One benefit offered by Walmart that piqued our interest is its Balance Protection Plan. For about $0.95 per $100 balance, this optional insurance plan will pay 5% of your account balance if you suddenly become unable to. Some scenarios that qualify include job loss (the self-employed are excluded), illness, disability, and death.
 

A few other extras

Each card is enabled with Tap & Go technology and supplementary cards are free. If you’re still in the habit of using cheques, Walmart will hook you up with personalized convenience cheques at no cost.

Recommended Walmart Financial credit card

 

Most popular card

Walmart Rewards MasterCard

This is a good option for low-income individuals whose credit score is still within the average range — there’s no annual fee and if you already shop at Walmart for your staples, the rewards programs is an incentive for you to continue. Also, just for signing up, you’ll receive $15 to put towards any item at Walmart. You can earn an additional $10 if you sign up for electronic billing. The earn rate on the Walmart Rewards MasterCard® works out to 1.25% on any purchases made at Walmart and 1% anywhere else. The preferred annual interest rate for this card is 19.89%. The standard rate is 25.99%

About Walmart Financial

 

The first Walmart store opened in 1962 in small-town Arkansas. By 1994, the now-multinational corporation had just expanded into Canada, following the purchase of 122 Woolco stores. Sixteen years later, Walmart shook things up once again by becoming a Canadian credit lender. The multinational corporation is known for competing with other retailers on price. With the roll-out of its first no-fee credit Mastercard, the mega-retailer seems determined to take on other lenders with its own competitive offering. 

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