Walmart Credit Card Review l

Walmart Credit Card review – October 2018

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A simple store card for loyal Walmart customers.

30-second take

  • Get this card if you often shop at website.
  • Pick something else if you want a more universally accepted credit card.
  • Apply with a fair credit score or higher.
Product NameWalmart Credit Card
Annual Fee$0
APR (Annual Percentage Rate) for Purchases24.65% variable
Interest Free PeriodUp to 23 days
Late Payment Fee$38
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age

The basics

The Walmart Credit Card is a simple no-annual-fee card which is relatively easy to get. It could come in handy to those who often shop online at where you’ll save 3% on your purchases. However, if you visit Walmart stores physycally, you’ll save only 1%.

If you want to get 5% cash back at a department store, the Target REDcard™ would be a better choice. You’ll earn the same cash back on Target purchases online and at the store, plus you’ll get some cool perks like free shipping, extended returns and other extras.

Target REDcard™ Credit Card

A no annual fee credit card and discounts when you shop at Target.

  • $0
  • Up to 25 days interest free

The perks

  • Cash back.

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

  • Signup bonus.

    Get $25 bonus by spending $25 or more within 24 hours of your card approval.

Is Walmart Credit Card universally accepted?

Walmart issues two cards:

  • Walmart Credit Card
  • Walmart Mastercard®

Both cards are virtually the same, with the main difference — Walmart Credit Card is a store card accepted only at Walmart and their 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 get 3% back only if you shop at Walmart online. If you visit Walmart physically and use your card, you’ll only get 1% back.

  • Limited card acceptance.

    If you get the Walmart Credit Card, you’ll only be able to use it at 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 24.65% variable. You can avoid this by paying your balance when due.

Consider other cards if …

  • You mostly purchase things on Amazon.

    In that case, an Amazon card would work. You can get 5% back on Amazon and Whole Foods Market purchases with the Amazon Prime Rewards Visa Signature Card. You’ll also get 2% back at gas stations, restaurants and drugstores and 1% back on everything else you buy. Since this is a Visa card, you can use it everywhere where credit cards are accepted payment method.

  • You want higher cash back at another department store.

    Consider the Target REDcard™ where you’ll earn 5% on purchases at Target’s physical stores and online. That’s up to $100 cash back on $2,000 spent. For comparison, the Walmart card will give you $60 back on the same $2,000 spent.

Compare other store cards

Name Product Annual Fee Credit Score Min. Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured APR (Annual Percentage Rate) for Purchases Annual Fee
24.65% variable
A no annual fee credit card and discounts when you shop at Target.
See issuer's website
The Fingerhut Credit Account is store-specific, and used to finance purchases made from or Fingerhut FreshStart's catalogue.
See issuer's website
Helps you keep building your credit as you buy great name brand products.
See issuer's website
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.
24.65% variable
28.74% variable
6, 12, 18, and 24-month financing options available and special promotions just for cardmembers.

Compare up to 4 providers

What should I know before I apply?

To apply for the card, you must be a US resident.

Also, you’ll need to provide your:

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

In your application form, you can add authorized users or you can choose to get the 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. Also, they claim they easily managed to get their credit line increased after several months.

However, a number of complaints go for the Synchrony Bank and their customer support. Others complained about issues with fraudulent charges and some even claim they had their credit line lowered without any explanation or a reason.

Synchrony Bank is rated A+ by the Better Business Bureau where it’s been accredited since 2006.

How to apply for the Walmart Credit Card?

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

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 should arrive within 7 to 10 business days.

I got the card. Now what?

  • Download the Walmart mobile app. Use the app to make purchases or choose pickup from the physical store for items that you purchased; simplify your shopping 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 23 days to pay your balance. If you do so, you won’t pay interest on your purchases.
  • Customer support. For any card-related questions, call 1-877-294-7880 and the 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.

However, you could get better cashback rates with other store credit cards. Make sure you compare your options to get the right card for your neds.

Walmart Walmart

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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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