In the realm of retail rewards programs, two names stand out: Prime Visa and Capital One Walmart Rewards. Both programs offer a suite of benefits, including cash back, discounts, and exclusive perks.
Let's compare them side by side to see which is best for your needs.
Amazon vs. Walmart Credit Card : General Comparison
The Prime Visa card, exclusive to Amazon Prime members, boasts a compelling proposition for avid online shoppers. With a robust 5% cash back on Amazon.com and Whole Foods Market purchases, it caters to those who frequently indulge in the vast e-commerce ecosystem.
However, you'll need an Amazon prime subscription to get the card, which makes it a bit expensive compared to the Walmart card.
On the other hand, the Capital One Walmart Rewards card positions itself as a valuable, especially for online shopping. With 5% cash back on Walmart.com purchases, including grocery pickup and delivery and no annual fee, it appeals to families and individuals who prioritize a one-stop shopping solution.
Both cards offer a welcome bonus and doesn't charge a foreign transaction fees.
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Cashback Analysis: Which Card Gives More?
When it comes to estimated cash back rewards for each card, the Walmart card takes the lead to its high cashback rate on Walmart.com purchases -cardholders who can leverage it and spend online and not in-store – can earn significantly more cash back.
The Amazon card cashback worth increases the more you buy on Amazon – so your specific spending habits can drastically impact the cashback comparison.
|
| |
|---|---|---|
Spend Per Category | Capital One Walmart Rewards | Prime Visa Card |
$15,000 – U.S Supermarkets | $750 | $150 |
$5,000 – Restaurants | $100 | $100 |
$4,000 – Amazon Products | $40 | $200 |
$4,000 – Travel
| $80 | $200 |
$4,000 – Gas | $80 | $80 |
Estimated Annual Cashback | $1,050 | $730 |
* Assuming all supermarkets purchases made via Walmart.com
Amazon vs. Walmart Credit Card: Benefits Comparison
When it comes to extra benefits, the Amazon card is a clear winner- while there are no enticing shopping benefits, it offers great travel protections you won't be able to get with the Walmart card.
Capital One Walmart Rewards Card
Security Alerts: Receive text, email, and phone notifications from Capital One® if potential suspicious activity is detected on your account.
$0 Fraud Liability: In the event of a lost or stolen card, you won't be held responsible for any unauthorized charges, providing a safeguard against financial loss.
Prime Visa Card
- Prime Card Bonus: Earn an impressive 10% back or more on select products, sweetening the deal for Amazon Prime members and making the card particularly rewarding for frequent shoppers.
Baggage Delay Insurance: In the unfortunate event of delayed baggage, this benefit helps cover essential expenses, ensuring a smoother travel experience.
Extended Warranty Protection: Purchases made with the Amazon card often receive extended warranty protection, providing added coverage beyond the manufacturer's warranty.
Lost Luggage Reimbursement: Should your luggage go astray during travel, the card offers reimbursement for essential items, alleviating the inconvenience of lost belongings.
Roadside Dispatch®: The Amazon card includes access to a 24/7 roadside assistance hotline, offering services like towing, tire changes, and more in case of vehicle breakdowns.
Travel Accident Insurance: Cardholders enjoy travel accident insurance, providing financial coverage in the event of accidental death or dismemberment while traveling.
Travel and Emergency Assistance: This feature offers access to a range of emergency services while traveling, providing support in unforeseen situations.
Purchase Protection: The Amazon card provides protection against damage or theft for eligible purchases made with the card, enhancing the security of your acquisitions.
When You Might Prefer The Walmart Rewards Card?
Here are scenarios in which the Capital One Walmart Rewards Mastercard might be the better choice:
- Frequent Walmart Shopper: The Capital One Walmart Rewards card covers a wide range of Walmart purchases, including groceries, electronics, clothing, and more. If your spending at Walmart spans various categories, this card may offer a comprehensive rewards structure for your diverse shopping needs.
- You Can Commit To Buy Online: If you are a regular shopper at Walmart.com, the Capital One Walmart Rewards Mastercard is tailored to reward your spending with 5% cash back on Walmart.com purchases
- You Want A Variety Of Redemption Options: You can easily redeem your Walmart Rewards with the Capital One Walmart Rewards® Card. Choose to receive cash back through a check or apply it as a statement credit. Use your rewards to cover recent purchases made with the card or opt for gift cards from Walmart or other retailers. Additionally, you can redeem rewards for travel, offsetting expenses related to trips and travel purchases made using the card.
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When You Might Prefer The Prime Visa?
Here are scenarios in which you might prefer the Amazon Prime Visa card:
- Frequent Amazon and Whole Foods Shopper: If you find yourself regularly making purchases on Amazon.com or shopping at Whole Foods Market, the Prime Visa card is tailored to reward your spending with a generous 5% cash back in these categories.
- Existing Amazon Prime Membership: Since the Prime Visa card requires an Amazon Prime membership, it's a natural fit for individuals who are already subscribed to Prime.
- You Want aravel And Purchase Protections: The Prime Visa Visa Signature card comes with a variety of travel and purchase protections, including lost luggage reimbursement, travel accident insurance, and purchase protection.
Compare The Alternatives
If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:
|
|
| |
|---|---|---|---|
Target Red Card | Apple Credit Card | Sam's Club® Mastercard® | |
Annual Fee | $0 | $0
| $0 ($50/$110 for Club/Plus membership – MUST)
|
Rewards | 1% – 5%
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
| 1% – 3%
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
|
1-5%
5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
|
Welcome bonus | None | N/A |
None
$30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
|
Foreign Transaction Fee | $0 | $0 | N/A
|
Purchase APR | 29.95% (Variable) | 15.99% – 26.99% Variable
| 20.40% or 28.40% Variable
|
Compare Amazon Prime Visa Card
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