Which card is better for groceries, PC World or Walmart Rewards World?

The PC World earns 2.5x on groceries, while the Walmart Rewards World earns 1.5%. The better choice depends on your grocery spending and the specific merchants you shop at.

PC World vs Walmart Rewards World — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

PC World edges ahead by $86/yr

PC World earns $128 more on groceries
PC World earns $36 more on gas

Groceries: +$128Gas: +$36Bills & Utilities: +$24

PC World: $30/yr in foreign transaction fees

Walmart Rewards World: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

Winner

$563

/first year

1.3% effective$47/mo

vs 1% no-fee card: +$144

Annual rewards earned+$593

FX costs−$30

Annual fee−$0

$477

/first year

1.1% effective$40/mo

vs 1% no-fee card: +$58

Annual rewards earned+$507

FX costs−$30

Annual fee−$0

Best for your spendingPC World—$563Year 1 value

+$86 more than Walmart Rewards World

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Neither card currently offers a welcome bonus.

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The Bottom Line

PC World edges ahead by $86/yr

PC World earns $128 more on groceries
PC World earns $36 more on gas

Groceries: +$128Gas: +$36Bills & Utilities: +$24

Showing Year 1 analysis

PC World wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Feb 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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PC World

Walmart Rewards World

PC World edges ahead by $86/yr

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources

PC World

Walmart Rewards World

PC World edges ahead by $86/yr

Dollar Value

Show calculation breakdown

Show calculation breakdown

Earn Rates by Category

Merchant Reality Check

Wallet Optimizer

Fees & Foreign Exchange

Insurance & Benefits

Eligibility

The Bottom Line

Data Sources