How Walmart codes
Most Walmart Supercentres are coded as grocery merchants by card networks, which means grocery-category cards earn accelerated rewards. Standard Walmart locations without groceries often code as general merchandise.
Merchant Guides
Which Credit Card Should I Use at Walmart Canada?
Walmart accepts Visa, Mastercard, and Amex — so use the card that earns the most on groceries or general retail.
Updated July 20, 2026· 4 min read
Key takeaways
- Walmart Supercentres often code as 'grocery' on premium cards.
- Cobalt (5x groceries) and Scotia Gold Amex (5x) both earn accelerated rates on Walmart grocery spend.
- For non-grocery Walmart purchases, a flat-rate 2% card usually wins.
Frequently asked questions
Does Walmart Canada accept Amex?+
Yes, in-store and online.
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