Walmart Credit Card

in Personal Credit Cards

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Walmart Credit Card


in Personal Credit Cards

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Walmart offers two types of credit cards. This Walmart credit card review analyzes the Walmart Mastercard and the Walmart Credit Card.

The Walmart Mastercard is issued by Synchrony Bank and is valid wherever Mastercard is accepted. Walmart's Credit Card, on the other hand, can be used at Walmart Stores, Walmart Supercenters, Neighborhood Markets,, Walmart and Murphy USA Gas Stations and Sam’s Clubs. 

Notice: To qualify, you need a Walmart account. 

Who Is the Walmart Credit Card Designed For?

The Walmart Credit Card is a solid option for people who need to improve their credit score and who shop regularly on, Walmart stores, and Walmart gas stations. Walmart's credit cards provide the opportunity to repair your credit while receiving in-store financing, a signup bonus, and bonus cash back rates of up to 3%. 

What Are the Rates For Walmart's Credit Card Accounts?

The rate for Walmart's Credit Card, the credit card account you can only use in Walmart stores, is 24.40% APR for purchases.

The APR for the Walmart Mastercard varies depending on what card account you have. There are three credit card account types based on the creditworthiness of the cardholder:

A Walmart account type 1 has an 18.40% APR on purchases and 21.40% APR on cash advances

A Walmart account type 2 has a 21.40% APR on purchases and a 24.40% APR on cash advances

A Walmart account type 3 has a 24.40% APR on purchases and a 27.40% APR on cash advances.

Cardholders receive a notification with their credit card account type when they open the account.

What Fees Does The Walmart Card Account Charge?

One of the big selling points of Walmart's cards is that they don't have an annual fee. The Walmart Credit Card does not allow you to get cash advances from regular ATMs, but both cards give you the option of free cash advances from a Walmart cash register -- which they market as Quick Cash Advances -- when you shop at a Walmart store. 

Look out for penalty fees. Late payments incur a charge of up to $38. You may want to give this card a wide berth and go for a credit union security card if you have the habit of falling behind in your payments.

What Is The Walmart Account Rewards Program Like?

Walmart Credit Card allows you to earn up to 3% in cash back on all purchases. Purchases at Murphy USA and Walmart gas stations receive a 2% cash back rate. All other purchases earn a 1% cash back. Rewards don't expire and are paid as a statement credit.

What Are The Walmart Card Accounts Signup Bonus?

New cardholders receive a $25 bonus if they spend $25 that day.  

Does Walmart's Credit Card Account Come With Any Other Benefits?

Cardholders are sometimes offered special promotional financing such as no interest on purchases for a specified duration ranging from six to twenty-four months. 

How Is It Better/Worse Than Other Credit Cards?

Walmart's credit cards offer half-decent benefits and are available to people with credit scores as low as 550. Walmart reports to all three credit bureaus and usually approves requests for a credit limit increase after six months of regular payments. This makes it an attractive option for people looking to rebuild their credit while they earn some rewards on the side.

The rates are higher than most cards, so avoid this card if you plan to keep a balance. Instead, use this card to build your credit by requesting a credit limit increase every six months and keeping your credit usage as low as possible. Walmart bases approval for credit limit increases on soft pulls of your credit, so don't worry about credit inquiries bringing your score down.

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...


Other Services by Synchrony Bank


Available in 50 States and Washington, DC
  • 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

Grace Period
Annual Fee
No Annual Fee
Late Payment Penalty
Minimum Interest Charge
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range
700 - 850
850 300 700
Minimum Age
Co-signing Allowed
Customer Type
Credit Card Benefits
  • Fraud Liability
Bonus Rewards
Rewards Categories
  • Every Purchase
  • Gas
  • Groceries
  • Office Supplies
Every Purchase
No Reward Expiration Period
Signup Bonus
Purchases APR
(Variable APR)
Starting at
Balance Computation
daily balance


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