Walmart Credit Card review l

Walmart Credit Card review

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Walmart Credit Card

A simple store card for loyal Walmart customers.

  • Get this card if you often shop at
  • Pick something else if you want a more universally accepted credit card.
  • Apply with a fair credit of 580 score or higher.
Product NameWalmart Credit Card
Annual Fee$0
Standard Purchase APR24.9% variable
Intro Purchase APR


Intro Balance Transfer APR


Interest Free PeriodUp to 23 days
Late Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age
Rewards3% at including Grocery Pickup, 2% on Murphy USA & Walmart fuel and 1% anywhere your card is accepted.
Base Rewards1% cash back
Rewards Points ExpiryNever

The basics

The Walmart Credit Card is a simple no-annual-fee card that’s relatively easy to get. It could come in handy for those who often shop online at, as you’ll save more than when you shop at a physical location.

Outside of rewards and a small signup bonus, the card is fairly bare. You may also find it limiting if you’re not a regular shopper with Walmart. The card can only be used at Walmart locations, and some affiliated stores — such as Neighborhood Market and Sam’s Club.

If you want additional benefits and 5% cash back at a department store, the Target REDcard™ Credit Card would be a better choice. You’ll earn the same cash back on Target purchases online and in stores. And you’ll get perks like free shipping, extended returns, access to exclusive sales and more.

Another card for everyday cash back

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
Read less
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See Rates & Fees

The perks

  • Cash back.

    Get 3% cash back on purchases including grocery pickup, 2% cash back on Murphy USA and Walmart gas and 1% back on everything else. Your cash back is paid as a statement credit.

  • Signup bonus.

    Get a $25 bonus by spending $75 or more on qualified purchases within 24 hours of card approval.

Is Walmart Credit Card universally accepted?

Walmart issues two cards:

  • Walmart Credit Card
  • Walmart Mastercard®

Both cards are virtually the same, with one main difference — Walmart Credit Card is a store card that’s only accepted at Walmart and its affiliate stores, while the Walmart Mastercard® is a universally accepted card.

You’ll also like …

  • No annual fee.

    You won’t pay an annual fee to own the card.

  • Additional features.

    Get $0 fraud liability, special financing offers throughout the year, quick cash and access to your FICO Score.

What to watch out for

  • High cashback rate only for online purchases.

    You’ll only get 3% back if you shop at Walmart’s online store. If you visit Walmart physically and use your card, you’ll only get 1% back.

  • Limited card acceptance.

    You’ll only be able to use the card at select Walmart-affiliated locations, such as Walmart stores, Walmart Supercenters, Neighborhood Markets,, Walmart and Murphy USA Gas Stations and Sam’s Clubs.

  • High APR.

    The card comes with a flat APR on purchases of 24.9% variable. You can avoid this by paying your balance off when due.

What credit cards are accepted at Walmart?

Compare other store cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
See terms
See issuer's website
Build your credit history with low monthly payments.
See terms
See issuer's website
Get access to purchase items in the Fingerhut store with no overlimit fees.
5.75% to 23.99% fixed
Buy now, pay later — low monthly payments make shopping easier
5.75% to 23.99% fixed
Payments starting at just $10 a month.

Compare up to 4 providers

What should I know before I apply?

You must be a US resident to apply for this card.

You’ll also need to provide your:

  • Full name, contact information and address.
  • Date of birth and Social Security number.
  • Annual income.

In your application, you can add authorized users and choose to get optional card security offered by Synchrony Bank.

What do customers say about the Walmart Credit Card?

Those who often shop at Walmart are satisfied with the cashback rates, and claim they managed to get their credit line increased after several months.

A number of complaints show up for Synchrony Bank, which issues the card. Typically complaints center on poor customer service, issues with fraudulent charges and some even claim they had their credit line lowered without explanation.

To avoid getting your credit line lowered, make timely payments and use your card responsibly.

How to apply for the Walmart Credit Card?

  1. Select the Walmart Credit Card on the Walmart website.
  2. Click Apply now.
  3. Sign in to your Walmart account. If you don’t have an account, you can create one.
  4. Fill out the application form with your personal and financial information.
  5. Review the form and submit it.

How long will it take to get my Walmart Credit Card?

You should get a decision on your application within minutes.

Upon approval, your card and any welcome materials should arrive within 7 to 10 business days. You’ll be able to shop with your card online before receiving the physical copy.

I got the card. Now what?

  • Download the Walmart mobile app. Use the app to make purchases, reserve items for pickup in store and more.
  • Pay your bill online. Submit payments electronically by signing in to your Walmart credit account.
  • Avoid paying interest. After the close of each billing cycle, you have a grace period of at least 23 days to pay your balance without paying interest on your purchases.
  • Customer support. For any card-related questions, call 877-294-7880 and a customer service representative will assist you.

Bottom line

If you’re a regular Walmart shopper, the Walmart Credit Card may be a good incentive to keep you shopping, especially since it costs nothing to own it.

You’re not limited to just Walmart credit cards. You could potentially get a better cashback rate with other store credit cards. Make sure to compare your options and get the right card for your needs.

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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?

    • Avatarfinder 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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