Walmart Credit Card Review l

Walmart Credit Card review – August 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
Annual Fee$0
APR (Annual Percentage Rate) for Purchases24.4% variable
Interest Free PeriodUp to 23 days
Minimum Interest$1
Late Payment Fee$38
Additional Cardholder Fee$0
Minimum Age18 years of age

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.

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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 24.4%. 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

Name Product APR (Annual Percentage Rate) for Purchases Annual Fee
24.4% fixed
A no annual fee credit card and discounts when you shop at Target.
29.99% fixed
The Fingerhut Credit Account is store-specific, and used to finance purchases made from or Fingerhut FreshStart's catalogue.
29.99% fixed
Helps you keep building your credit as you buy great name brand products.
29.99% fixed
Get instant access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
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!
Shop the items you need at with up to a $1,000 credit.
Get a $300 to $5,000 instantly to shop 100,000+ items at Emporium.
24.4% variable
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

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.

And if Walmart isn’t your go-to and you think you can earn better rewards at a different store, make some comparisons of other store credit cards.

Walmart Walmart

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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