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  Walmart Credit Card

Walmart Credit Card

in Personal Credit Cards from Capital One

Claimed

Walmart Credit Card

Claimed

in Personal Credit Cards from Capital One

SuperMoney Net Recommendation Score -39%

SUPERMONEY NET RECOMMENDATION SCORE

-39%

-100% 0% +100%
No one recommends Everyone recommends

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

9 users recommend
4 users are unsure
23 users don't recommend
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Highlights
Highlights
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 36

Walmart Credit Card Review

Walmart Credit Card 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 is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Earn 5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
  • 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Walmart Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you 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 extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 670.

Walmart Credit Card Pros and Cons:

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.
  • Travel accident and travel assistance insurance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • Walmart Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a 3% balance transfer fee.

Is there a Walmart Credit Card cash back or rewards program?

No, Walmart Credit Card does not offer a rewards program. Walmart Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Walmart Credit Card you receive 1% cash back on every 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?

Walmart Credit Card provides the following benefits:

  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Walmart Credit Card has higher than average purchase 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 introductory APR offer on balance transfers?

No, Walmart Credit Card does not come with an introductory APR offer for balance transfers.

Does Walmart Credit Card have an introductory APR offer on new purchases?

Walmart Credit Card does not offer an introductory rate on new purchases.
Walmart Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Walmart Credit Card?

The following fees apply to Walmart Credit Card:

Walmart Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $39

Does Walmart Credit Card have a foreign transaction fee?

Walmart Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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: SuperMoney.com 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...

Availability

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

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Card Type
  • Cashback
  • Store Card
Card Network Other
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
Free FICO Score  
No Reward Expiration Period  
Rewards Rates
  • Airfare
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Retail
  • Travel
Rewards Type Cash Back
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%

Walmart Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-39%

-100% 0% +100%
No one recommends Everyone recommends

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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