Walmart Credit Card

Walmart Credit Card

in Personal Credit Cards from Capital One


Walmart Credit Card


in Personal Credit Cards from Capital One

SuperMoney Net Recommendation Score -41%



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
24 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 37

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%.
  • 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.
  • 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 price protection, 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 & 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.
  • No foreign transaction fee.
  • Walmart Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a 3% balance transfer fee.
Walmart Credit Card FAQ

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:

  • Price Protection
  • 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
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?

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.

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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 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.
  • 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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
No Reward Expiration Period  
Rewards Categories
  • 5% Cash Back on Retail
  • 2% Cash Back on Gas
  • 2% Cash Back on Groceries
  • 2% Cash Back on Restaurants
  • 2% Cash Back on Travel
  • 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 Other

Walmart Credit Card Community Reviews


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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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