Sorry to hear about your damaged card.
Like you, I bought two G1 reissue Bees from Cotton On over the weekend. Super fast delivery, but they put both my carded figures in a single soft satchel bag, no padding, no bubble wrap, no protection whatsoever.
Miraculously, neither were damaged. At first, i was upset at the packing, but then considered that this is a clothing retailer, and as you said, they probably don't sell toys to serious toy collectors often, much less MOC/MISB collecting.
Given that i wasn't able to find the Walmart reissues online anywhere other than at scalper prices, I'd rather give my money to Cotton On and risk a damaged card.