Last Updated: 07/28/2025
SuperMoney User Recommendation Score -35
Mostly not recommended40 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
17.99% - 27.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
17.99% - 27.74%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 850
Annual Fee
$0
Number of Reviews
Capital One® Walmart Rewards® Card Review
This is a store cashback credit card issued by Capital One. If you're wondering whether Capital One® Walmart Rewards® Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 17.99% up to 27.74%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Capital One® Walmart Rewards® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $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 emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Walmart credit card
| The Good | The Bad |
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Walmart credit card FAQ
Does Walmart credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Free Credit Score
- Emergency Support
- 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 regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Capital One® Walmart Rewards® Card has a variable purchase APR that ranges from 17.99% up to 27.74%. The card has a variable balance transfer APR that ranges from 17.99% up to 27.74%. It also has a variable cash advance APR of 27.74% .
Does Walmart credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Walmart credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Walmart credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Walmart credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Walmart credit card?
The customer service number for Walmart credit card is (877) 383-4802.
What is the support contact email for Walmart credit card?
The support contact email for Walmart credit card is support@capitalone.com.
How do people rate the customer service and user experience of Walmart credit card?
Overall, Walmart credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Capital One® Walmart Rewards® Card report your account activity to credit bureaus?
Yes, Capital One® Walmart Rewards® Card reports to the following credit bureaus:
- 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 build your credit.
Does Capital One perform a hard credit pull?
Yes, Walmart credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Walmart credit card
- Visit the website of Walmart credit card.
- 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.
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...
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 Walmart credit card
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 Walmart.com. For example, you can earn 3% cash back on purchases that you make at Walmart.com 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 Walmart.com. 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 Walmart.com, 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
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Credit Score Range
630 - 750
300
850
Annual Fee
$0
Sponsored
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
640 - 700
300
850
Annual Fee
$39
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
26.99%
Disclaimer popup with additional information
Credit Score Range
640 - 720
300
850
Annual Fee
$0
Purchase APR
19.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
17.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
750 - 850
300
850
Annual Fee
$95
Purchase APR
15.24% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
15.24% - 26.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
15.9% - 25.74%
Disclaimer popup with additional information
Balance Transfer APR
15.9% - 25.74%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -35, or 2.3 on a 5-point rating scale.
-35
-1000+100
No one recommends
Everyone recommends
Capital One® Walmart Rewards® Card Community Reviews
Would you recommend Capital One® Walmart Rewards® Card to your friends?
Katrina O.
Mar 8, 2022
May or may not recommend
Make sure you read everything before even applying. Some spots it tells you that any credit can apply, and some spots it will tell you the actual score you need, which is high 600s.
Sophia D.
Jan 20, 2022
May or may not recommend
No issues with this card. I shop at Walmart often, and although I never use the points, it still is a good card. Apply for it if you shop at Walmart often; it's worth it.
DC
Damar C.
Mar 9, 2021
May or may not recommend
I am very happy with my credit Walmart credit card by capital one..is 0 Annual fee.. Cash Back on purchases on Walmart.com, including pick up and delivery..Earn 2% Cash Back on Purchases in Walmart Stores, 2% Cash Back on Restaurants And Travel Purchases and 1% Cash Back On All Other Purchases Every Where Else Master Card is Accepted..My Opinion i RECOMMEND iT 100%...Thanks
Nicholas C.
Nov 25, 2020
May or may not recommend
I would not recommend the Walmart Credit Card. The APR is quite high. For such a high APR the credit approval is set to a higher range, but this higher range does not meet the standards of what the APR rate should be. For a rate this high, this card should be obtainable by people with lower credit scores. There is no annual fee, which is a plus, but there ...Show More
Sarah C.
Oct 8, 2020
May or may not recommend
I would not recommend getting a Walmart Credit Card. I made the mistake of getting one shortly after I graduated high school, and it was one of the worst decisions ever. The interest rate was extremely high, and the discounts I received on my Walmart purchases didn't even come close to being worth it. I also never had good luck with their customer service. I am very thankful not to ...Show More
U
Anonymous
Jan 14, 2020
May or may not recommend
12/15 balance: $69.91 Walmart/ capone
Post -$68.00 payment $1.91 left on purpose
I check my account in January to see $31.16 balance. Numbers are not even close. No other transactions showing how there's still a balance.
Interest rates to the mafia crime boss lol thanks Capitol One
DJ
Dovie J.
Nov 6, 2019
May or may not recommend
when i received this credit card that i did not have to pay a membership fee to shop at sam's club. if this is false i will not recommend walmart credit card. I have not paid a membership fee until this year. if i cannot shop at sam's club i will cancel my card. i
do not shop enough to pay a $45 membership fee
i will not ...Show More
DA
Dominick A.
Oct 22, 2019
May or may not recommend
Quick application process and easy to use with my phone.
LB
Lisa B.
Oct 13, 2019
May or may not recommend
Went to pay my walmart bill today in store because it's due. Store wont take payment be CV ause of Capitol one merger told me to call number on back of card. They wont take payment either because of merger. Was told to call the same number on monday(which is a holiday) and that capital one will then answer. So now because of this crap I will be stuck with ...Show More
Mary V.
Oct 9, 2019
May or may not recommend
Yes my friend has one they love it i would like to recieve one also
U
Anonymous
Aug 25, 2019
May or may not recommend
I do a lot of shopping at this store and by my medication there
MS
Medie S.
Aug 4, 2019
May or may not recommend
I love shopping at Wal-Mart i wish i could get your credit card
CS
Cecile S.
Aug 1, 2019
May or may not recommend
Yes i would i would use it when we go shop at walmart
Danielle H.
Jul 4, 2019
May or may not recommend
Yes I would .I love shopping at walmart .they have good people working there
Carolyn K.
Jun 12, 2019
May or may not recommend
Hi my sister loves hers comes in handywould reccomend she love it.
Galen B.
May 15, 2019
May or may not recommend
I'm trying to get one to use an build my credit back up
U
Anonymous
May 15, 2019
May or may not recommend
They favor the criminals who steal your credit card then charge you $630.00 at Canoga Park Dependable Dodge for services they never rendered. Then the criminals lie to your Walmart Mastercard professionals and they believe them since Dodge Dealership is big business and you are a nobody so there you have it, the bill stolen by Dependable Dodge in Canoga Park , creeps been robbing Walmart Mastercard customers since 1972! ...Show More
VB
Vickie B.
May 13, 2019
May or may not recommend
Because Walmart is the best store to shop at in the whole world
Carlos L.
Feb 1, 2019
May or may not recommend
Excellent exoerience with my Walmart credit!
Strongly reccomend to start building credit.
Brian C.
Jan 23, 2019
May or may not recommend
Yeah, sure would if they actually approved and gave me one, but they be profiling worse than the damn police, they be arresting mofos for theft when they unintentionally miss scanning a 5 dollar tshirt in self checkout, true story fyi...they lie and say they'll cash checks then wont honor they're own words, and they will take your payroll check and make you wait an additional 7 days to see ...Show More
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