Looking for the best Walmart credit card in Canada? You’ve got this.

It’s relatively easy to qualify for a no-fee Walmart credit card; you only need a household income of $12,000. Plus, Walmart credits cards have no annual fee.

Unlike other rewards programs, Walmart’s is refreshingly straightforward. Walmart doesn’t have a credit card points system. Instead, you earn straight-up cash, so it's easy to see how much you’ve earned. However, you can’t redeem your rewards for cold, hard cash — it can only be used for purchases made at Walmart. You can begin redeeming once you’ve earned a minimum of $5. Plus, your balance never expires.

One benefit offered by Walmart that piqued our interest is its Balance Protection Plan. For about $0.95 per $100 balance, this optional insurance plan will pay 5% of your account balance if you suddenly become unable to. Some scenarios that qualify include job loss (the self-employed are excluded), illness, disability, and death.

Each card is enabled with Tap & Go technology and supplementary cards are free. If you’re still in the habit of using cheques, Walmart will hook you up with personalized convenience cheques at no cost. You can easily make in-store and online payments with your Walmart credit card. If you’re using your Walmart credit card to make purchases in another country, you’ll be charged the current exchange rate and the Walmart credit card conversion fees.

You can apply for a Walmart credit card by completing an online Walmart credit card application on their website.

To complete the application, you’ll need to provide:

• Your legal name
• Your current and previous addresses
• Your annual income
• Your employment details

Walmart will use all the information to pull your personal credit history and review your overall eligibility for the applied Walmart credit card and credit limit. This hard credit check can temporarily drop your credit score, but don’t worry! Your score will bounce back as long as you don’t miss any of your credit card payments.

On passing the Walmart credit card eligibility check, you’ll receive your new card in the mail. Follow the Walmart credit card activation steps to start using your new card.

The first Walmart store opened in 1962 in small-town Arkansas. By 1994, the now-multinational corporation had just expanded into Canada, following the purchase of 122 Woolco stores. Sixteen years later, Walmart shook things up once again by becoming a Canadian credit lender. The multinational corporation is known for competing with other retailers on price. Walmart credit cards are in the Mastercard network. Walmart currently does not offer any Walmart Amex or Walmart Visa credit cards. Please visit the Walmart credit card site for more information on partnerships.