Walmart Credit Card
Walmart Credit Card Claimed

Walmart Credit Card

SuperMoney Net Recommendation Score -35  


This product is mostly not recommended by SuperMoney users with a score of -35, equating to 2.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

11 users recommend
4 users are unsure
25 users don't recommend
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Community Rating Mostly not recommended
Purchase APR  (Variable APR) 17.99% - 26.99%
Balance Transfer APR  (Variable APR) 17.99% - 26.99%
Credit Score Range 670 - 850
Annual Fee $0
Number of Reviews 40

Walmart Credit Card Review

This is a store cashback credit card issued by Capital One. If you're wondering whether Walmart credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Generous reward rate. You will get a maximum cashback rewards rate of up to 5%.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 26.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Walmart Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Accepts cosigners. Capital One is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Walmart credit card

The Good The Bad
  • Earn 5% back in Walmart stores when you use Walmart Pay for the first 12 months
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Walmart Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.

Walmart credit card FAQ

Does Walmart credit card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

What are the Walmart credit card benefits?

It provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Walmart credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Walmart Credit Card has a variable purchase APR that ranges from 17.99% up to 26.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 26.99%. It also has a variable cash advance APR of 26.99% .

Does Walmart credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Walmart credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Walmart credit card?

The following fees apply:

Walmart credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Walmart credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Walmart credit card?

The Walmart credit card customer service number is (800) 925-6278.

What is the support contact email for Walmart credit card?

The support contact email for Walmart credit card is

What is the Walmart credit card login page?

You can access the Walmart credit card login page here.

How do people rate the customer service and user experience of Walmart credit card?

Overall, Walmart credit card is mostly not recommended based on community reviews that rate customer service and user experience.

Does Walmart Credit Card report your account activity to credit bureaus?

Yes, Walmart Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Walmart credit card

  • Visit the Walmart credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Capital One

At Capital One, our mission is to change banking for good by bringing humanity, ingenuity and simplicity to banking. In support of our mission, the Capital One Impact Initiative advances socioeconomic mobility by advocating for an inclusive society, building thriving communities and creating financial tools that enrich lives. It is fueled by an initial $200 million multi-year commitment to catalyze economic growth in low- and moderate-income communities and close gaps in equity and opportunity.

Earn cash back for the things you buy everywhere, every day. The Capital One Walmart Rewards Mastercard can be used for Walmart purchases and anywhere else that Mastercard is accepted.

Message From Our Editor

What we love about Walmart Credit Card

The Walmart Credit Card is a full credit card that you can use at Walmart and at other stores. The card offers rewards and benefits when you use it to shop at Walmart and For example, you can earn 3% cash back on purchases that you make at and 2% cash back when you buy gas from a Walmart gas station. The card also has a low minimum credit limit, which may make it easier for people with poor or no credit to qualify, giving them a chance to start building credit.

What could Walmart Credit Card do better?

The greatest drawback of the Walmart Credit Card is that the card’s benefits mostly kick in when you make purchases at You won’t earn elevated rewards when you shop in a physical Walmart. Instead, you’ll only earn 1% cash back when you shop in the store. There are many other credit cards that offer better rewards on purchases both in-store and online.

Even if you’re planning to use the card to build credit, there are some secured credit cards that offer similar or better rewards that you can use to build your credit history.

Walmart Credit Card‘s backstory

Walmart was founded in 1962 by Sam Walton. Since then, the company has grown to be the largest retailer in the world, operating more than 11,000 stores in more than 25 countries.

The company launched the Walmart Credit Card and Walmart Store Card to help customers pay for and finance the purchases they make at Walmart stores.

The Verdict

The Walmart Credit Card is a fine card but is relatively unexciting. If you do a lot of shopping at, you can earn solid rewards, but the card isn’t great for in-person shopping. Most people with good credit will be better off with a different card, even if they do most of their shopping at Walmart.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Extended Warranty Protection
  • Price Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • 2% Cash Back on Travel
  • 5% Cash Back on Retail
  • 2% Cash Back on Restaurants
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 26.99%
Balance Computation average daily balance (including new transactions).
Purchase APR (Variable APR) 17.99% - 26.99%
Balance Transfer APR (Variable APR) 17.99% - 26.99%
Balance Transfer Fee % 3%
Card Type
  • Cashback
  • Store Card
Card Network Mastercard

Walmart Credit Card Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -35, equating to 2.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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