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There are two easy ways to pay your Walmart Mastercard online: through your bank's online bill payments, or through Neobanc. Both are free, but only one pays you back. Pay through Neobanc by Interac e-Transfer and you earn 1% cashback on every payment, which works out to $60 a year on a $500 monthly bill.
Below are the steps for both, when to pay so you avoid interest, and who to contact about your account.
Both main options are free. The difference is whether the payment pays you anything back.
Setup takes a few minutes. After that, each payment works like a normal bill payment, except you get 1% back. Here's how to pay your Walmart Mastercard through Neobanc:
On a $500 statement, that's $5 back for a payment you were making anyway. The same credit card bill cashback applies to other Canadian cards you pay through Neobanc.
You can also pay through your own bank's online bill payments:
Bank payments can take a few business days to reach your card, and the timing varies by bank. Don't wait for the due date itself.
You can also pay through the card's own account, by phone or in some stores. These options are free, but none of them earns anything back.
After you sign in at walmartrewardsmc.ca, you can pay from a linked chequing account:
These payments usually take 1 to 2 business days to post. You can also set up automatic payments here so you never miss a due date.
Call cardholder services at 1-888-331-6133 with your card number and banking details ready. An agent can take the payment and help with billing questions at the same time. Phone payments usually take 1 to 2 business days to post.
Some Walmart stores with a Money Centre or customer service desk accept Walmart Mastercard payments by debit, cash or money order. Not every store offers this, so call your local store first.
Whichever way you pay, pay more than the minimum whenever you can to keep interest down. If you'd like to earn something on the payment, Neobanc is the option that pays 1% back.
Your statement shows your balance, minimum payment and due date. Pay the full statement balance by the due date and you won't pay interest on those purchases. As a bank-issued card, it comes with an interest-free grace period of at least 21 days from the end of your billing period. Cash advances don't get a grace period.
If you can't pay in full, pay at least the minimum. Missing a minimum payment can raise your interest rate, temporarily or for good, and payment history is the biggest factor in your credit score. A recurring Neobanc payment for at least the minimum makes sure you never miss one.
You get one statement a month. Your due date is at least 21 days after the end of your billing period, which gives you an interest-free grace period on new purchases. Your statement and online account show your exact dates; calendar reminders or automatic payments take the guesswork out of it.
Your statement shows the minimum payment, plus any past-due amount. Paying only the minimum keeps your account in good standing, but the rest of the balance keeps collecting interest, so it takes much longer and costs more to pay off. Aim to pay the full statement balance.
Like most no-fee store cards, the Walmart Rewards Mastercard charges a high interest rate on any balance you carry. Cash advances usually cost even more and start collecting interest right away. Your current rates are on your statement and in your cardholder agreement, so check them before you carry a balance or take a cash advance.
Paying your full balance on time every month avoids interest and builds your credit history in Canada. If you rent, reporting your rent payments can add to that history too.
Your account, statements and payment history are at walmartrewardsmc.ca, where you sign in to check your balance or due date. The card is issued by Fairstone Bank of Canada, so if you can't sign in or a payment hasn't shown up, cardholder services can help at 1-888-331-6133.
The card comes in two versions, the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard. Both are paid the same way, so these steps work for either one.
If you've never set up online access, registration takes a few minutes:
Once your email is confirmed, you can sign in to view statements, check your Walmart Reward Dollars and make payments.
On your phone, look for the official Walmart Rewards Mastercard app in the App Store or Google Play, and sign in with the same username and password you use on the website. You can check transactions, make payments and see your Reward Dollars. Turning on Face ID or fingerprint sign-in makes it faster.
If you have more than one store card, our guides to the Costco Mastercard and Canadian Tire Mastercard cover the same steps for those cards.
Knowing how the rewards work helps you decide how to use this card alongside your others.
Since September 2025, both versions of the card earn:
Neither card has an annual fee, and Walmart has offered new cardholders a $25 Reward Dollars welcome bonus. Both cards also add free months to an annual Walmart Delivery Pass bought with the card: 3 months with the Walmart Rewards Mastercard and 6 months with the Walmart Rewards World Mastercard.
Each Walmart Reward Dollar is worth $1 off a purchase. You redeem them in $5 increments at checkout, in store or on Walmart.ca. Reward Dollars can only be used at Walmart.
Neobanc supports more than 4,000 Canadian payees, including credit cards, so you can earn 1% on every card bill you pay, not just Walmart's. If you carry more than one card, here's how to pay your Canadian Tire Mastercard, PC Mastercard, Rogers Mastercard or Amex bill the same way.
The card earns well at Walmart on its own, and a few habits add to what you get back across the rest of your spending.
The card's 3% at Walmart and 1% everywhere else is a starting point:
Our guide to paying credit card bills covers stacking across other Canadian cards.
A missed payment can lower your credit score and add a late fee. Set up an automatic payment for at least the minimum, through a recurring Neobanc payment or the card's online account, and top it up to the full balance when you can. If a payment fails, act quickly: contact your bank and cardholder services right away so it doesn't become a late payment.
A purchase made right after your statement closes has the longest time before it's due: the rest of the billing cycle plus the grace period. That helps with larger Walmart purchases like electronics or furniture, as long as you pay the full balance by the due date.
Letting Reward Dollars pile up doesn't earn you anything. Redeem them on purchases you'd make anyway, such as your weekly groceries.
If you're thinking about paying rent with a Mastercard, our guide to paying rent with Mastercard in Canada shows how it works, and the cashback calculator shows what you'd earn on rent, bills and other payments combined.
Paying your Walmart Mastercard through your bank is free, but it earns you nothing. Paying through Neobanc is also free by Interac e-Transfer, and it puts 1% back in your pocket on every payment. Whichever you choose, pay the full statement balance about a week before the due date to stay interest-free and protect your credit score.
Neobanc is registered with FINTRAC as a money services business and is PCI-DSS compliant.
Sign up for Neobanc and earn 1% back on your next Walmart Mastercard payment.
Through Neobanc or your bank's online bill payments. Either way, add "Walmart Rewards Mastercard" as a payee and enter your 16-digit card number. Neobanc is funded by free Interac e-Transfer and pays 1% cashback on every payment.
Yes. Pay the bill through Neobanc, funded by Interac e-Transfer from your bank account, and you earn 1% cashback. On a $500 statement, that's $5 back.
Sign in at walmartrewardsmc.ca. The card is issued by Fairstone Bank of Canada, and cardholder services can help at 1-888-331-6133 if you have trouble getting in.
It depends on how you pay. Bank bill payments can take a few business days to post, and timing varies by bank. With Neobanc, schedule the payment about a week before your due date.
You'll pay interest on the balance, and missing a minimum payment can raise your interest rate. Late payments can also hurt your credit score, since payment history is the biggest factor in it.
Fairstone Bank of Canada issues both the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard. Some banks may still list the card under Duo Bank, its previous issuer.
No. Through Neobanc, credit card bills are funded by Interac e-Transfer from your bank account, which is free and still earns 1% cashback. That also means you're not paying one card's balance with another.
Some Walmart stores with a Money Centre or customer service desk accept card payments by debit, cash or money order. Not every store does, so call ahead. To earn 1% back instead, pay through Neobanc.
Both the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard earn 3% in Walmart Reward Dollars at Walmart stores and Walmart.ca, and 1% everywhere else Mastercard is accepted.
No. Walmart Canada still accepts Mastercard in stores and on Walmart.ca, along with other cards, debit and cash. Walmart's pay-by-bank checkout tests have been in the United States.
Yes. Set up a recurring payment through Neobanc, funded by Interac e-Transfer, and earn 1% back on each one. You can also set up automatic payments through the card's online account or your bank, for the minimum, the full balance or a fixed amount.
Most landlords don't take credit cards directly. With Neobanc, you can pay rent by Visa, Mastercard or free Interac e-Transfer and earn 1% cashback, and your landlord still receives a regular e-Transfer. Card payments carry a 1.5% fee, and you keep your card's own rewards on top. If your landlord takes another method today, here's how to ask them about changing it.
Your rates are on your statement and in your cardholder agreement. Cash advances usually carry a higher rate and have no grace period. Paying the full statement balance by the due date avoids interest on purchases.
No. Neither the Walmart Rewards Mastercard nor the Walmart Rewards World Mastercard has an annual fee.
No. Walmart Reward Dollars can only be redeemed at Walmart stores and on Walmart.ca.
Through Neobanc or your bank's online bill payments. Either way, add "Walmart Rewards Mastercard" as a payee and enter your 16-digit card number. Neobanc is funded by free Interac e-Transfer and pays 1% cashback on every payment.
Some Walmart stores with a Money Centre or customer service desk accept card payments by debit, cash or money order. Not every store does, so call ahead. To earn 1% back instead, pay through Neobanc.
Both the Walmart Rewards Mastercard and the Walmart Rewards World Mastercard earn 3% in Walmart Reward Dollars at Walmart stores and Walmart.ca, and 1% everywhere else Mastercard is accepted.
No. Walmart Canada still accepts Mastercard in stores and on Walmart.ca, along with other cards, debit and cash. Walmart's pay-by-bank checkout tests have been in the United States.
Sign in at walmartrewardsmc.ca. The card is issued by Fairstone Bank of Canada, and cardholder services can help at 1-888-331-6133 if you have trouble getting in.
Yes. Set up a recurring payment through Neobanc, funded by Interac e-Transfer, and earn 1% back on each one. You can also set up automatic payments through the card's online account or your bank, for the minimum, the full balance or a fixed amount.
You'll pay interest on the balance, and missing a minimum payment can raise your interest rate. Late payments can also hurt your credit score, since payment history is the biggest factor in it.
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