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Tuesday, July 1, 2025

[Rumor] Details Of New Walmart Credit Cards


Recently a reddit user shared a rumor regarding details of the new Walmart credit cards that will be issued by Synchrony.

  • Card names:
    •  Spark Rewards Credit Card
    • Spark Rewards World Mastercard
    • Spark Rewards+ Credit Card
    • Spark Rewards+ World Elite Mastercard
  • Cards will earn Spark Rewards and are equivalent of Walmart cash or Sam’s Club cash
  • Earning rates:
    • Rewards card:
      • 3x on Walmart and Sam’s Club Private Label Brands When Using One Pay, Walmart Pay, Scan and Go, or Shopping on Walmart or Sam’s Club app
      • 1.5x on all other Walmart and Sam’s Club Purchases (includes Gas) -Access to Sam’s Club Gas Station
      • 1.5x on Dining
      • 1x on all other purchases
    • Rewards+ card:
      • 5x on Walmart and Sam’s Club Private Label Brands When Using One Pay, Walmart Pay, Scan and Go, or Shopping on Walmart or Sam’s Club app
      • 3x on all other Walmart and Sam’s Club Purchases (includes Gas)
      • Access to Sam’s Club Gas Station
      • 5x on BK purchases (LTO)
      • 3x on Dining
  • Annual fees:
    • Rewards card: $0
    • Rewards+ card: $149

Walmart has to be the messiest cobrand partner ever. First they sued Synchrony for breach of contract, then left that partnership. Then they partnered with Capital One, only to sue Capital One for breach of contract and then ended that deal. Then signed this new deal with Synchrony (remember they sued them before) and are now using ‘Spark’ branding despite Capital One (the last card issuer for Walmart) already using Spark branding for business cards. I suspect we won’t see that Spark branding when the cards actually go live and that’s only an internal name but maybe this is a slight against Capital One.

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