Your Free Guide to Walmart Rewards Programs

Understanding Walmart Rewards: The Main Programs Available

Walmart offers several rewards programs that shoppers can use to earn points, discounts, or cash back on their purchases. The main programs include Walmart+, the Walmart app with member benefits, and cash back through Walmart's credit card partnership. These programs work differently from each other, so understanding how each one functions helps you decide which might work best for your shopping habits.

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Walmart+ is a paid membership program that costs $98 per year or $12.98 per month. Members receive benefits like free same-day delivery on orders over $35, free shipping with no minimum order amount, gas discounts at Walmart fuel stations, and a 2-hour pickup option called Scan & Go that lets members scan items as they shop. According to Walmart's 2023 reports, the company has over 36 million Walmart+ members in the United States.

The standard Walmart rewards program through the Walmart app offers different benefits without requiring a membership fee. Shoppers can earn cash back on specific products, access personalized offers based on their shopping history, and participate in bonus point events. Members earn one point for every dollar spent on most purchases, though the point value can vary depending on the specific offer or promotion running at any given time.

Walmart also partners with major credit card companies to offer rewards. The Walmart credit card (available through Capital One) provides 1% cash back on fuel purchases, 2% cash back on grocery purchases at Walmart, and 3% cash back on Walmart.com purchases. These rates apply when cardholders use their Walmart credit card specifically.

Takeaway: Before joining any program, think about your typical shopping patterns. If you shop at Walmart frequently and use delivery or pickup services, Walmart+ might offer value. If you shop occasionally, the free app-based rewards may be sufficient for your needs.

How to Use Walmart+ and What Members Receive

Walmart+ membership gives shoppers access to a package of benefits designed to save time and money on regular shopping. The service focuses on convenience features like faster delivery and pickup options, along with additional perks like discounted fuel and pharmacy benefits. Understanding what's included helps members use all available features.

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Same-day delivery is one of the primary Walmart+ benefits. Members can order groceries, household items, electronics, and clothing for delivery the same day in most areas where the service operates. Orders must total at least $35 before tax, and delivery is available in thousands of locations across the United States. This benefit became increasingly popular after 2020, with Walmart reporting that same-day services accounted for over 30% of e-commerce sales by 2023.

The Scan & Go feature allows Walmart+ members to skip traditional checkout lines. Using the Walmart app, members scan items with their phone as they place them in their cart while shopping in the store. They complete payment through the app and then leave without stopping at a register. This feature is available in select Walmart locations and can reduce shopping time significantly, particularly for quick trips.

Fuel discounts are another key benefit. Walmart+ members receive a discount on fuel purchases at Walmart fuel stations across the country. The discount typically ranges from 5 to 10 cents per gallon, depending on the current promotion. With average gas prices fluctuating between $2.50 and $4.00 per gallon in recent years, this benefit can add up quickly for members who regularly fill their vehicles.

Pharmacy benefits include free shipping on prescription medications and a $4.98 prescription offer on common medications. Additionally, members receive priority access to pharmacy services and can order refills through the Walmart app. Members also gain access to Walmart's generic medication pricing program, which offers common prescriptions at reduced rates.

Takeaway: Calculate your potential savings by estimating monthly fuel costs and delivery fees you currently pay. If your savings in these two categories alone exceed the monthly or annual membership cost, Walmart+ may be worth considering.

Earning Points Through the Free Walmart App Rewards

The Walmart app offers a points-based rewards system that doesn't require paying for membership. Shoppers earn points on purchases, which they can redeem for discounts on future shopping trips. The program also provides personalized offers based on previous purchases and shopping behavior, allowing customers to find deals relevant to their typical buying patterns.

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The point structure works on a simple basis: members earn one point for every dollar spent on most purchases made through the Walmart app or website. However, specific items and categories sometimes offer bonus points during promotional periods. For example, Walmart regularly runs campaigns where certain grocery items, household products, or seasonal goods provide double or triple points. These bonus campaigns change regularly, and members can view current offers directly in the app.

Points accumulate in the member's account and can be redeemed once they reach certain thresholds. Historically, members could redeem 10,000 points for a $1 discount on their next purchase, though the specific redemption rates and minimum point requirements may change. The app clearly displays current point balance and redemption options, so members always know where they stand.

Personalized offers are perhaps the most valuable aspect of the free rewards program. Walmart analyzes shopping patterns and sends targeted digital coupons and deals directly to member accounts. For example, if a member frequently purchases organic vegetables, they might receive special offers on those items. A member who regularly buys baby products might see deals on diapers or formula. These personalized coupons stack with other promotions, potentially creating significant savings on regularly purchased items.

Digital coupons in the Walmart app function differently than traditional paper coupons. Members browse available coupons in the app, select the ones they want, and the savings automatically load to their Walmart account. When they make a qualifying purchase, the discount applies at checkout without needing to present a physical coupon. This method eliminates forgotten coupons and clipping time.

Takeaway: Spend a few minutes weekly reviewing personalized offers in the app before shopping. Members who actively use digital coupons report savings of $10 to $30 per shopping trip, depending on their basket size and purchasing habits.

Credit Card Rewards Options and How They Compare

Walmart partners with Capital One to offer the Walmart credit card, a rewards credit card that provides cash back on purchases made at Walmart locations and online. The card operates on a straightforward cash back structure with different rates depending on where and what you purchase. Understanding the rate structure helps shoppers determine if this card fits their spending patterns.

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The cash back rates break down into three categories. Fuel purchases at Walmart fuel stations earn 1% cash back. Grocery purchases at Walmart and Walmart.com earn 2% cash back. Other purchases at Walmart and Walmart.com earn 1% cash back. Purchases made outside of Walmart earn no cash back. This focused rewards structure means the card provides maximum benefit for shoppers who concentrate their spending at Walmart.

There is no annual fee for the Walmart credit card, which distinguishes it from many other rewards cards available in the market. Additionally, cardholders receive a promotional offer at signup, typically a cash back bonus after meeting a minimum spending threshold within the first few months of opening the account. These promotional offers change periodically, with current offers typically ranging from $20 to $50 cash back.

For shoppers who make most purchases at Walmart, the cash back adds up meaningfully. Consider a household that spends $200 monthly on groceries at Walmart. Using the Walmart credit card at the 2% rate earns $4 in monthly cash back, or $48 annually. A household filling their vehicle once weekly at Walmart fuel stations might spend $150 monthly on fuel. At 1% cash back, that generates $1.50 monthly, or $18 yearly. Combined with other purchases, monthly cash back can reach $8 to $15 for regular Walmart shoppers.

The Walmart credit card also provides special financing offers on larger purchases. Periodically, cardholders receive promotional periods with reduced interest rates on purchases above certain amounts. Additionally, cardholders sometimes receive early access to Walmart sales and exclusive deals.

Takeaway: Calculate your monthly spending at Walmart across groceries, fuel, and other items. If your total monthly spending is less than $100, the cash back benefits likely won't exceed rewards from using a general cash back credit card. If you spend $300 or more monthly