1
Best no-fee pick
Citi Double Cash
2% on everything, no restrictionsThankYou Points
Best Credit Cards for Walmart & Target
Most cards exclude Walmart and Target from their grocery category. Here are the best options regardless.
Most issuers exclude Walmart & Target from their grocery bonus category — Walmart added Apple Pay in Aug 2026
1.8%
Avg no-fee back
2.2%
Avg with-fee back
3%
Best rate available
$495
Avg with-fee cost/yr
Spend about $148,500/yr in this category for the with-fee pick's extra rate to earn back its annual fee.
Does your Walmart take Apple Pay yet?
The short answer
Top picks — no annual fee
Keep forever · $0/yr2
Runner-up
Chase Freedom Unlimited
1.5% on everythingUltimate Rewards
3
Also good
Fidelity Rewards Visa
2% back — full value only when deposited into a Fidelity accountCash Back
Top picks — with annual fee
Pays for itself if used right1
Best overall
Robinhood Gold Card
3% cash back on everything — requires an active Robinhood Gold subscriptionCash BackRobinhood Gold req.
2
Best value
Capital One Venture X
2x on everythingCapital One Miles$395/yr
3
Also good
Citi Strata Elite
1.5x on everything + strong protectionsThankYou Points$595/yr
Honorable mentions
Annual fee
Reward type
Card type
Card network
8 cards
#1
Capital One Venture X
Transferable Points
2x everything else
- 10x Hotels & Car Rentals via C1
- 5x Flights via C1
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#2
Chase Freedom Unlimited
No FeeCash Back
1.5x everything else
- 5x Travel via Chase
- 3x Dining
- 3x Drugstores
- 1.5x everything else
Click to see redemption options
$200 after $500 in 3 months
#3
Capital One Venture Rewards
Transferable Points
2x everything else
- 5x Flights via C1 Travel
- 2x everything else
Click to see redemption options
75,000 miles after $4,000 in 3 months
#4
PayPal Cashback Mastercard
No FeeCash Back
1.5x everything else
- 3x PayPal checkout
- 1.5x everything else
Click to see redemption options
#5
Citi Double Cash
No FeeCash Back
2x on all purchases (1x when you buy + 1x when you pay)
Click to see redemption options
#6
BILT Palladium Mastercard
Transferable Points
2x on all purchases (excluding rent)
- 2x on all purchases (excluding rent)
- 1x Rent (no processing fee — 5 transactions required per statement)
Click to see redemption options
50,000 BILT points after $4,000 in 3 months
#7
Chase Freedom Rise
No FeeCash Back
1.5x on all purchases
Click to see redemption options
#8
Discover It Miles
No FeeCash Back
1.5x Miles on all purchases
Click to see redemption options
Miles Match at end of year 1
No dedicated card earning more here? Use your best catch-all card.
Best catch-all cards →Not sure which one fits you?
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Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
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