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 be used at Walmart Stores, Walmart Supercenters, Neighborhood Markets, Walmart.com, 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.com, 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 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 a 17.15% APR on purchases and 20.15% APR on cash advances

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

A Walmart account type 3 has a 23.15% APR 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 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. 

Look out for penalty fees. Late payments incur a charge of up to $37. 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 Walmart.com 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 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. Plus, when you open a Walmart Credit Card online, you can receive a $75 Walmart eGift card.

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.

  • Card Type
    • Cash Back
    • Rewards
  • Customer Type
  • Card Network
  • Credit Score Range
    700 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • No Annual Fee
  • Cashback
  • Signup Bonus
  • Purchases APR
    Starting at 23.15%
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...


Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

No problems with this card until I visited Canada. I wanted to buy some things for my son and his family but my "US" walmart card was not accepted in Canada. I cannot find ANYTHING on the website stating that it is US only. I was very upset and disapointed!!

0 votes

I being paying my credit card on time, never missed a payment for 10 years. This year renewal its being a complete nightmare because their dumb customer service representatives do not give any alternative options to the customers in Puerto Rico to verify our identity since we do not have power or other essential communication means to be able to activate our card; but yet they will accept the payment from a "complete stranger".

0 votes

You pay on time and they lower your credit limit without any notice then when you call to speak with them they give you the runaround wish I could give them 0 Stars but you have to give one so you can write the review

0 votes

I have never ever heard in my life of a company that places a hold for 10 to 15 days on any payment over one a billing cycle! Trying to be a responsible consumer, we use our cc for shopping weekly and then make a payment on our paydays. The payment clears the bank, but they always place a hold on the second payment "for security purposes" so it's nearly the next payday before I have access to the funds! This is bogus because this is not in the ... disclosure, they never advised me this was a policy. Don't waste your time on this company, just get a Capital One. More Less

0 votes

Credit card was good until i missed a payment. I still made payment th following months but with the late and interest fees made my minimum mnthly payment due, skyrocket. Still made a payment for next 2 minths of what i cpuld pat and they ended up closong my account without giving me notice. So upsetting becuase i was never late on my patments and i had this card for several years. Card was great to have at christmas time. Now that they closed my account, I am so upset ... and i dont recommend anybody to go thru this mess of their increasing minimum payment due and increasing inteest charges. More Less

0 votes

Where is the 0 stars? This card is the worst thing anyone can get!!!! If you try and pay early you get screwed. Making a payment with there phone system is a headace. Customer Service Sucks! Doesn't really help to much to raise your credit score. Nothing and I mean NOTHING about this card is good. Just a headace!!! You will regret it

0 votes

Pushing people to apply for their credit at every single store and they run credit check which make you loose some credit point then they easily turn you down with decline your application. They will never say your application is declined, you'll receive a letter by mail. Waste of time!

1 votes

If i could give 0 stars i would I have had my card for awhile now and I have never been late on payments but every time I get it paid down they lower my limit below what is owed causing my credit to take a big hit I'm so done with this credit card I would not recommend any Wal-Mart credit card if you are trying to build credit all they do is screw you're credit up

1 votes

They said that this card will help you re-build your credit and it is not true what they say, my credit score is 550 and it said it didn't matter, but it does it's like false information.

1 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.

1 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.

1 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!

1 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.

1 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.

1 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.

1 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.

1 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.

1 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.

1 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!

New Review for Walmart Credit Card

Rate your experience: