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Can I Use My Walmart Capital One Card on Amazon? A Comprehensive Guide

The short answer is yes, you can use your Walmart Capital One card on Amazon. While the card is co-branded with Walmart, it functions like any other Mastercard credit card, and Mastercard is widely accepted across online retailers, including Amazon.

Understanding Your Walmart Capital One Card and Amazon

Let’s delve into the specifics of using your Walmart Capital One card on Amazon, along with some insider tips to maximize your rewards and make informed financial decisions.

What Kind of Walmart Capital One Card Do You Have?

Before we go too far, it’s essential to clarify which Walmart Capital One card you possess. There are typically two versions:

The Walmart Rewards Card (often referred to as the Capital One Walmart Rewards Card): This is the more common version and the one most people are likely to have. It offers rewards on Walmart purchases, online and in-store.
The Walmart Rewards Card (also called Capital One Walmart Rewards Card) : This card is intended for customers with a credit score that may not qualify them for the Capital One Walmart Rewards Card.

The good news is that both versions are Mastercards and therefore accepted on Amazon. However, the rewards structure is different. Knowing which card you have is essential to understanding how your Amazon purchases will be rewarded.

Why Your Walmart Capital One Card Works on Amazon

The ability to use your Walmart Capital One card on Amazon stems from its affiliation with Mastercard. Mastercard is a global payment network, accepted by millions of merchants worldwide, both online and offline. When you shop on Amazon, you are presented with various payment options, and Mastercard is almost always one of them. As long as your Walmart Capital One card is in good standing (not expired, not over the credit limit), and you have entered the card details correctly, the transaction should go through seamlessly.

Understanding Rewards on Amazon Purchases

This is where things get interesting. While you can use your card on Amazon, you need to understand the reward implications. The Walmart Rewards Card typically offers the following rewards structure:

5% cash back on purchases made at Walmart.com and in the Walmart app.
2% cash back at Walmart stores and restaurants.
1% cash back everywhere else Mastercard is accepted.

Therefore, purchases made on Amazon will earn you 1% cash back. This is because Amazon is not a Walmart-owned or affiliated entity. This rate is standard for most credit cards on purchases outside of their specific bonus categories.

Alternatives to Maximize Rewards on Amazon

If maximizing rewards on Amazon is your goal, you might consider other credit cards that offer higher cashback rates or points on Amazon purchases. Some popular options include:

Amazon Prime Rewards Visa Signature Card: This card offers 5% back on Amazon and Whole Foods Market purchases for Prime members.
Chase Freedom Flex/Unlimited: These cards offer rotating quarterly bonus categories, which sometimes include Amazon.
General cashback cards: Many cards offer a flat 1.5% or 2% cashback on all purchases, which could be a better deal than the 1% you get with your Walmart Capital One card.

Key Considerations Before Using Your Card on Amazon

Before swiping (or clicking to pay) with your Walmart Capital One card on Amazon, keep these points in mind:

Interest Rates: Credit card interest rates can be high. Avoid carrying a balance to minimize interest charges. Pay off your statement in full each month.
Credit Limit: Be mindful of your credit limit. Exceeding it can negatively impact your credit score and incur over-limit fees.
Rewards Redemption: Familiarize yourself with how to redeem your Walmart Capital One rewards. They can typically be redeemed for statement credits, gift cards, or at Walmart.com.

Walmart Capital One Card & Amazon: Frequently Asked Questions (FAQs)

Here are 12 frequently asked questions to address common concerns and provide further clarity about using your Walmart Capital One card on Amazon:

1. Will using my Walmart Capital One card on Amazon affect my credit score?

Using your Walmart Capital One card on Amazon, like any credit card use, can affect your credit score. As long as you make your payments on time and keep your credit utilization low (ideally below 30%), it can positively impact your credit score. Late payments or maxing out your card can negatively affect it.

2. Does Amazon offer any specific discounts for using a Walmart Capital One card?

No, Amazon does not offer any specific discounts for using the Walmart Capital One card. While it is accepted as a form of payment, you will not receive any exclusive discounts or promotions beyond the standard 1% cash back on the purchase with the Walmart Rewards Card.

3. Can I use my Walmart Capital One card to pay for Amazon Prime membership?

Yes, you can use your Walmart Capital One card to pay for your Amazon Prime membership. However, remember you’ll only earn 1% cash back on this purchase.

4. Is it safe to use my Walmart Capital One card on Amazon?

Yes, it is generally safe to use your Walmart Capital One card on Amazon. Amazon uses robust security measures to protect your payment information. However, always be vigilant about phishing scams and ensure you are on the legitimate Amazon website before entering your card details. Monitor your credit card statements regularly for any unauthorized transactions.

5. What if my Walmart Capital One card is declined on Amazon?

If your card is declined, there could be several reasons: insufficient credit limit, incorrect card details entered, the card may be expired, or a suspected fraudulent activity. Contact Capital One or check your account online to investigate the issue. You can also try contacting Amazon customer support for assistance.

6. Can I use my Walmart Capital One card to buy gift cards on Amazon?

Yes, you can typically use your Walmart Capital One card to purchase gift cards on Amazon. However, some credit card issuers may treat gift card purchases differently, so it’s always a good idea to review your card’s terms and conditions. You will still earn 1% cash back.

7. How do I add my Walmart Capital One card to my Amazon account?

To add your card, go to “Your Account” on Amazon, then “Payment Options.” Click “Add a card” and enter your card number, expiration date, cardholder name, and billing address. Verify the information and save the card to your account.

8. Will I get a purchase alert if I use my Walmart Capital One card on Amazon?

Whether you receive a purchase alert depends on your settings with Capital One. You can typically set up alerts through the Capital One app or website to receive notifications for purchases made with your card, regardless of where they are made. It’s highly recommended that you enable these purchase alerts for security purposes.

9. Can I use my Walmart Capital One card to pay for subscriptions on Amazon?

Yes, you can use your Walmart Capital One card to pay for subscriptions on Amazon, such as Kindle Unlimited or Amazon Music. Just make sure your card is the default payment method for your subscriptions in your Amazon account settings.

10. Is there a limit to how much I can spend on Amazon using my Walmart Capital One card?

The limit is determined by your available credit limit on your Walmart Capital One card. As long as your purchase amount does not exceed your credit limit, and your account is in good standing, you should be able to make the purchase.

11. Can I use my Walmart Capital One card to get cash back at Amazon?

No, Amazon does not offer cash back at the point of sale when using a credit card, including the Walmart Capital One card. The cash back you earn with the card is credited to your account, not provided as physical cash at the time of purchase.

12. If I return an item purchased on Amazon with my Walmart Capital One card, how will I get my refund?

The refund will typically be credited back to your Walmart Capital One card. The processing time for the refund may vary depending on Amazon’s policies and your bank, but it usually takes a few business days to appear on your statement.