Walmart Credit Card Review l

Review: Walmart Credit Card – June 2018

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A no-frills card for loyal Walmart customers.

It’s not packed with features, but the Walmart Credit Card comes with simple incentives to keep you shopping.

Its backbone is the 3-2-1 Save rewards program, which offers three tiers of savings depending on what you buy.

Product NameWalmart® Credit Card
APR for Purchases ( Purchase Rate )24.40% variable
Annual fee$0
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Minimum Interest$1
Minimum Age18 years of age
Annual fee$0
Late Payment Fee$38

The Basics

The Walmart Credit Card has one goal: to keep you coming back to Walmart. You’ll find a small signup bonus, but the real benefit is the 3-2-1 Save rewards program, which offers:

  • 3% savings on purchases
  • 2% savings on gas at Murphy USA and Walmart
  • 1% savings on purchases at Walmart and Walmart-affiliated stores

As an incentive to return to Walmart, the savings will be applied as statement credit. You’ll like that if you’re a regular Walmart shopper. If you’re not, consider looking into a regular credit card. The BankAmericard Cash Rewards Credit Card, for example, offers competitive 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs.

You won’t pay an annual fee with the Walmart Credit Card. And because it’s a store credit card, they say it’s easy to be approved. If you’re having trouble getting approved elsewhere, applying for the Walmart card could be a good first step.

The Nuts and Bolts

Walmart Credit Card Stats
Product nameWalmart® Credit Card
Issuing bankSynchrony Bank
Annual fee$0 p.a.
Sign-up bonusWalmart offers varies sign-up bonuses that change seasonaly
Purchase APR23.65%
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer feeN/A
Foreign transaction feeN/A
Cash advance rateN/A
Cash advance feeN/A
Penalty APRN/A
Late payment feeUp to $38
Returned payment feeN/A
Overlimit feeN/A
Maximum credit limitN/A
Minimum interest charge$1

Free 2-day shipping at Get fast shipping, free, on orders $35 and up.

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Benefits of the Walmart Credit Card

  • Savings on Walmart purchases. Save 3% at, 2% on Murphy USA and Walmart gas and 1% at Walmart-affiliated stores. (Savings are applied as statement credit.)
  • Seasonal sign-up bonuses. Currently. new cardholders can save $25 when they open a card and spend $25 on the first day.

What to watch out for

  • You can only use your card at Walmart-affiliated stores. These locations include Walmart stores, Walmart Supercenters, Neighborhood Markets,, Walmart and Murphy USA Gas Stations, and Sam’s Clubs.
  • High APR. The Walmart Credit Card has a relatively high APR of 24.40% variable. You can avoid paying interest if you pay your balance within 23 days after the end of each billing cycle.

Compare the Walmart card to other store cards

Rates last updated June 21st, 2018
Name Product APR for Purchases ( Purchase Rate ) Annual fee Product Description
Target REDcard™ Credit Card
24.15% variable
A no annual fee credit card and discounts when you shop at Target.
Apply now Read review
Fingerhut Credit Account
29.99% fixed
The Fingerhut Credit Account is store-specific, and used to finance purchases made from or Fingerhut FreshStart’s catalogue.
Apply now Read review
Fingerhut Advantage Revolving credit account
29.99% fixed
Helps you keep building your credit as you buy great name brand products.
Apply now Read review
Fingerhut FreshStart® Credit Account
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Apply now Read review
Horizon Gold Card
Get a 500 credit limit to make purchases on the Horizon Outlet website.
Apply now Read review
NetFirst Platinum (
Looking for the best card? You can have it while you build your credit with Horizon Card Services. Get an unsecured line of credit and the best customer service!
Apply now Read review
Next Millennium Card
Shop the items you need at with up to a $1000 credit.
Apply now Read review
Emporium Card
Varies by balance. See website for details*
Get a $300 to $5000 instantly to shop 100,000+ items at Emporium.
Walmart® Credit Card
24.40% variable
Overstock Store Credit Card
28.49% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

How to apply for the Walmart Credit Card

Always consider your options and your financial situation before you apply for a credit card.

Like most store credit cards, the Walmart Credit Card is fairly easy to get approved for — even if you have less-than-stellar credit.

1. Click on the blue banner to start your application.

step 1walmart credit card review

2. Sign in to your Walmart account. If you don’t have an account, you can create one by clicking “Create a new account.”

step 2 walmart credit card review

3. You’ll be taken to the application page. Fill out your personal info, contact info and annual net income. After you’ve entered your information, agree to the credit terms at the bottom of the page and click the “Accept and Submit” button.

step 3 walmart credit card review

I got the card — now what?

  • Pay your bill online. You can submit payments electronically by signing in to your Walmart credit account.
  • Checking your rewards balance. Your credit statements will show your current rewards balances. You can also check your balances online.
  • Avoid interest payments. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do so, you won’t pay interest on your purchases.
  • Avoid fees. Late payments come with hefty fees of up to $38.

Bottom line

If you’re a regular Walmart shopper, the Walmart Credit Card may be a good incentive to keep you shopping. Before applying, consider cash-back credit cards — they may offer comparable rewards.

Free 2-day shipping at Get fast shipping, free, on orders $35 and up.

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Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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2 Responses

  1. Default Gravatar
    KatrinaJune 1, 2017

    When using a Walmart credit card online and they ask what kind of card are you using what do you select? credit card, gift card, or other?

    • finder Customer Care
      AnndyJune 18, 2017Staff

      Hi Katrina,

      Thanks for your question.

      You should select credit card. Kindly note though that the Walmart Credit Card can only be used at Walmart-affiliated stores. These locations include Walmart stores, Walmart Supercenters, Neighborhood Markets,, Walmart and Murphy USA Gas Stations, and Sam’s Club.


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