If you are searching for the Capital One Walmart Card in 2026, here is the single most important fact: the program ended. You can no longer apply for it, and existing cardholders were moved to a different card. This is not a card you can sign up for today.
The partnership that made Capital One the exclusive issuer of Walmart's consumer credit cards officially ended on May 24, 2024. What followed was a large account conversion that affected millions of cardholders. Here is the full timeline and what it means for you.
Key facts at a glance
| Feature | Details (as of June 2026) |
|---|---|
| Status | Discontinued; partnership ended May 24, 2024 |
| Original issuer | Capital One |
| What it became | Capital One Quicksilver Mastercard for eligible accounts |
| Network | Mastercard (the new Quicksilver) |
| Annual fee | $0 on Quicksilver |
| Rewards now | 1.5% unlimited cash back on Quicksilver |
| New applications | Not available |
| Reports to bureaus | Yes, Capital One reports to all three major bureaus |
Terms and conditions apply, and APRs vary by creditworthiness.
What happened to the Capital One Walmart Card
Walmart and Capital One ended their consumer card agreement in May 2024. The split followed a 2023 lawsuit in which Walmart sought to terminate the deal, citing service issues like slow payment processing and delayed replacement cards.
For a transition period, nothing changed overnight. Cardholders kept earning and redeeming rewards, previously earned rewards held their value, and Capital One continued to own and service the accounts. The real change came with the conversion that followed.
The conversion to Capital One Quicksilver
Starting with letters mailed in July 2024, Capital One began converting eligible Walmart card accounts to the Capital One Quicksilver Mastercard. New cards went out on a rolling basis through fall 2024, so not everyone received theirs at the same time.
The new Quicksilver came with a new card number, expiration date, and security code. Because it was a product change rather than a brand-new account, Capital One indicated the swap did not create a new hard inquiry or reset your account age.
What the Quicksilver gives you instead
The Quicksilver is a general-purpose Mastercard, which is actually more flexible than the old Walmart card. It earns 1.5% unlimited cash back on every purchase, carries no annual fee, and works anywhere Mastercard is accepted.
You lose the Walmart-specific perks, like the elevated rewards on Walmart.com purchases. But you gain a simple flat-rate card you can use everywhere, which suits many former cardholders better than a store-tied product.
If you were not converted or want a different card
Not every account was eligible for the automatic switch, and some people simply want a card that fits their situation better. If you are rebuilding credit or were declined elsewhere, a card you can use anywhere can be a strong replacement. The Aspire Mastercard is one option, since it works everywhere Mastercard is accepted and reports to the major bureaus.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
For shoppers who want to keep buying everyday essentials while building payment history, Perpay is worth a look. The Perpay Credit Card structures purchases around steady payments tied to your income, which can be easier to manage than a revolving balance.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
If your priority is rebuilding habits and credit at the same time, the Arro Card combines a credit line with a budgeting app and rewards on-time payments. It can be a practical starting point if a flat-rate cash-back card is out of reach for now.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
How to use your card at Walmart now
You can still shop at Walmart with whatever card you carry, including your converted Quicksilver. Walmart accepts all major networks, so a flat-rate cash-back card earns the same rate at Walmart as anywhere else.
If you want to maximize Walmart spending specifically, look at general cash-back cards with grocery or online-shopping bonuses, or a Walmart-focused option like the OnePay card, rather than waiting for a Walmart-branded card to return. As of June 2026, there is no direct replacement Walmart consumer credit card with the old structure.
Frequently Asked Questions
Can I still apply for the Capital One Walmart Card?
No. The Capital One and Walmart consumer card partnership ended on May 24, 2024, and new applications are no longer accepted. Eligible existing accounts were converted to the Capital One Quicksilver Mastercard.
What did my Walmart card turn into?
For eligible cardholders, the Capital One Walmart Rewards Card and the store-only Walmart Rewards Card were converted to the Capital One Quicksilver Mastercard, which earns 1.5% unlimited cash back with no annual fee. New cards were mailed starting in July 2024 on a rolling basis.
Did the conversion hurt my credit score?
Capital One indicated the change was a product conversion rather than a new account, so it did not generate a new hard inquiry or reset your account history. Your account age and payment history typically carried over to the new Quicksilver.
What rewards did I lose in the switch?
You lost Walmart-specific rewards, such as elevated cash back on Walmart.com purchases. In exchange you gained a flat 1.5% unlimited cash back on all purchases anywhere Mastercard is accepted, which is more flexible for most everyday spending.
