Walmart offers two types of credit cards: the Walmart MasterCard and 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 only be used at Walmart stores and gas stations.

Notice: To qualify you need a Walmart account. 

Who Is the Walmart Creed Card Designed For?

Walmart's cards are a solid option for people with who need to improve their credit score and shop regularly on Walmart.com, Walmart stores, and Walmart gas stations.  Walmart's 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%. Cardholders also receive a complimentary FICO Credit Score report with their electronic statement. 

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

The interest rate for Walmart's Credit Card, the credit card account you can only use in Walmart stores, is 23.15% 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 APR of 17.15% on purchases and 20.15% APR on cash advances

A Walmart account type 2 has an APR of 20.15% on purchases and a 23.15% APR on cash advances

A Walmart account type 3 has an APR of 23.15% on purchases and a 26.15% 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 balance transfer fee is also relatively low: $5 or 3% of the amount transferred, whichever is the higher amount. 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 make a purchase at a Walmart store. 

You may want to avoid using this credit card outside the United States. It has a 3% fee on each transaction. Look out for penalty fees also. They are set at $35, the maximum allowed by law. Cardholders who have paid on time for the previous six months pay discounted fee of $25. 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 Discover card allows you to earn up to 3% in cash back on all Walmart.com purchases. Purchases at Murphy USA or 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 10% cash back on purchases up to $250 on the same day you open the Walmart account. That is the equivalent of a $25 signup bonus when you spend $250.

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

Both cards also give you free monthly access to your FICO credit score, if you register to pay your statements online. Even if you don't care about the complimentary FICO score, do yourself a favor and register to pay online. Walmart's telephone customer service is terrible. Cardholders also receive the option of interest-free financing for in-store purchases. Purchases of $150 to $298.99 qualify for 6-month financing, while purchases of $299 or more qualify for 12-month financing.

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 interest 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.

  • Customer Type
  • Card Type
    Balance Transfer Rewards
  • Card Network
  • Minimum Age
  • Co-signing Allowed
  • Foreign Currency Transaction Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Standard Rate
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Est. 1962

  • No Annual Fee First Year
Card Type Balance Transfer
Card Type Rewards
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0 votes

You pay faithfully on time every month and thell still take it away from you even if you drop the balance. Thell also pull your credit score without your permission even after you have had your card for a while. Horrible Customer service, sorry is there main response to faithful customers.

0 votes

Good getting your head above water card. I was drowning in debt and then got some knocks down on my credit. As a result, I hadn't been able to get any new credit, until I found this card. They gave me an $800 credit limit, and I've seen my score rise by one-third.

0 votes

Lots of perks with this card, including 5 cents per gallon off when you use one of the participating gas stations. This is a big deal for me, as I drive around a lot for work and I have a gas guzzler--not by choice, but my work demands it! There is also no annual fee, which helps with the old budget!

0 votes

This has been a good card for me, but I'm not sure what the deal is regarding getting a credit limit increase. I can't seem to pull that off!! I keep requesting one and they won't give me one. (Customer service is awful, BTW). I don't understand why not because I have been paying on time for 8 months now, and I have even paid the card off. Maybe that's my problem?

0 votes

Register to pay your bills online with this card and you get access to your FICO score for free! I reallly enjoy having access to the score. I have been trying to raise mine and this helps me determine what I need to do next and what I need not do next. The APR is a little high with this card, though, so try to pay off the balance each month.

0 votes

If you have a low credit score, like I did, and want to improve it, this is a good card for doing so. I got my card when I was online shopping on the Walmart site and they suggested it. I'd been turned down for other cards, so I didn't give out much hope, but I decided to apply and voila! They approved me for $500 credit limit, and I got a $25 statement credit for starting the account.

0 votes

No annual fee with this card and some nice low balance transfer fees make this a graet choice. Though their interest rate of 22.9% isn't all that great, I actually had some cards that were higher in interest and had some pretty high annual fees, and I wanted to consolidate, so I did. I'm finding it is working out paying it off.

0 votes

This mastercard Walmart card is pretty good in terms of the rewards program attached to it. For every $500 you spend, you get back $5 back in cash awards. Not a lot, but they are pretty good about giving you a card even with low credit.

0 votes

I've been struggling to get my credit score up, so I really liked the fact that this card gives you a free FICO credit score. FICO is what lenders use most to determine your credit worthiness, so it pays to know that number. I am able with this card to access that number. It's helping me get it up higher.

0 votes

Never thought I'd need it, but the zero liability fraud protection really saved me with this card. I bought something with it and then someone hacked it and racked it up to my limit. I just called and they took care of it. I didn't have to lose any sleep.

0 votes

This card has in store special financing when you spend certain amounts of money at Walmart. That results in paying no interest if you pay within a certain amount of time. I've done this a couple of times now to buy some big purchases at Walmart--which has just about everything!

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