4. Use The Walmart Credit Card At Walmart

With the Walmart Capital One credit card, earn 5% cash-back at Walmart.com, 2% at Walmart stores, gas stations, restaurants, and travel, and 1% elsewhere. No annual fees. If you don't qualify, you might get the Walmart Rewards card, which offers the same cash-back rates but is usable only at Walmart properties. Rewards are points redeemable for Walmart gift cards, with no earning limits. Both cards have a minimum credit line of $300.