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As far as store cards go, the Walmart credit card offers a fairly standard cashback system. It allows you to collect 3% back on Walmart purchases, 2% back on qualifying fuel purchases and 1% back on everything else. Their card includes an APR of 22.99% and while this may not be a low APR, it's a fairly reasonable APR for a store card. If you are trying to focus your cashback earning to Walmart purchases and have limited credit, the Walmart MoneyCard might be a good option for you. The MoneyCard is a prepaid credit card that comes in both a Walmart Visa credit card and MasterCard form. The MoneyCard will allow you to earn 3% back on purchases form Walmart.com, 2% at qualifying fuel stations and 1% at Walmart stores.

You can also consider cash back credit cards, for example, the Citi® Double Cash Card – 18 month BT offer (Citi is a Credit-Land.com advertising partner). Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. This card comes with $$0 annual fee.