Legal

* Walmart Reward Dollars™ are redeemable for savings on future purchases made online at Walmart.ca and at Walmart stores in Canada only. Walmart Reward Dollars cannot be redeemed for cash and cannot be redeemed for more than the equivalent dollar value of your purchase. To redeem your Walmart Reward Dollars, you must redeem a minimum of $5.00. If you wish to redeem more than $5.00 worth of Walmart Reward Dollars, you must do so in $5.00 increments. Other conditions, restrictions and exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.

1 Earn 1.25% of dollars spent in our stores means Walmart stores in Canada and walmart.ca before taxes. Some exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.

† Bonus Walmart Reward Dollars (a $15 redemption value) will be awarded to your Walmart Rewards account within five business days of making two qualifying purchases using your Walmart Rewards™ Mastercard®, one purchase at a Walmart store in Canada or online at Walmart.ca and one purchase at another location anywhere Mastercard® is accepted. Both purchases must be made within 30 days of receiving your Walmart Rewards™ Mastercard®. Only one bonus will be awarded per account. Bonus Walmart Reward Dollars (a $10 redemption value) will be awarded to your Walmart Rewards account within two statement periods after you sign up for electronic statements. Only one paperless bonus awarded per account. These offers are also subject to the full Walmart Reward Dollars Program Terms and Conditions.

2 Walmart Reward Dollars are not earned on these products. See Walmart Reward Dollars Program Terms and Conditions for details.

~For Quebec Residents, the expressions Interest Rate, Cash Interest Rate and Adjusted Rate are Credit Rates within the meaning of the Quebec Consumer Protection Act.

^The Standard Rate Card is currently not available to Quebec residents.

◊ Enrollment in the Balance Protection Plan (BPP) is optional. If you cancel within 30 days, any premiums that have been billed to you will be refunded and your coverage will be void. You may also cancel at any time. The BPP premium (which is calculated at the rate of $0.95 per $100 of your monthly statement balance), plus applicable taxes, will be charged to your Walmart Rewards Mastercard® account, if you have a monthly statement balance of $25 or more at the time your statement prints. BPP is underwritten by The Canada Life Assurance Company. See Balance Protection Plan Disclosures for details.

‡ Enrollment in the Extended Warranty Plan (EWP) is optional. If you cancel within 30 days, any warranty fees that have been billed to you will be refunded and your coverage will be void. You may also cancel at any time. EWP is only available in the provinces or territories of Alberta, Manitoba, Ontario, Prince Edward Island, Northwest Territories and Nunavut. The EWP warranty fee (which is $3.99 a month), plus applicable taxes, will be charged to your Walmart Rewards Mastercard account, if you have a monthly statement balance of $25 or more at the time your statement prints. EWP is provided and administered by Asurion Consumer Solutions of Canada Corp. EWP is not an insurance product and is not underwritten by an insurance company. See Extended Warranty Plan Disclosures for details.

∞Free upon redemption of sufficient earned Walmart Reward Dollars, redeemable for future purchases made online at Walmart.ca and at Walmart stores in Canada only. Conditions, restrictions and exclusions apply. See Walmart Reward Dollars Program Terms and Conditions for details.

? "Instant Approval",“Shopping instantly” or “Shop instantly” refers to the ability to use your new Walmart Rewards Mastercard for purchases on Walmart.ca immediately after your online application approval, via a temporary shopping pass without having to wait for your new Walmart Rewards Mastercard to arrive in the mail. Your temporary shopping pass will automatically appear as a payment option when you checkout and will be valid until 11:59pm Eastern Standard Time (EST) on the date of your approval, and will be limited to an amount as determined by Duo Bank of Canada. Your Walmart Rewards Mastercard application may still be approved without the issuance of a temporary shopping pass. Any purchase(s) made on Walmart.ca using the temporary shopping pass will appear on your first Walmart Rewards Mastercard statement and will require repayment in accordance with the terms of the Walmart Rewards Mastercard Cardholder Agreement.

§From Statistics Canada (2017), the average Canadian household spending on Food, Furnishings, Household appliances, Clothing and Home Entertainment is $935. By spending $350 a month at Walmart and $600 everywhere else monthly, the average customer can earn $125 in rewards annually.

**To qualify for this offer you must (1) apply and be approved for a Walmart Rewards Mastercard® account in-store at the register or online at walmart.ca; and (2) make a single-receipt purchase of at least $50 (includes taxes) the same day you open your account. Purchase must be made using your temporary shopping pass in the store in which you applied for your Walmart Rewards Mastercard® or online at walmart.ca. A $15 credit to your Walmart Rewards Mastercard® account will appear on your first statement after the qualifying purchase is made. Offer is valid for newly opened accounts only and each account is eligible for only one $15 offer. Limited Time offer valid through March 1st, 2020 to March 31st, 2020.

®/™Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. The Walmart Rewards Mastercard® is issued by Duo Bank of Canada. All Walmart trademarks are the property of Walmart Apollo, LLC, and are used by Duo Bank of Canada under license.