Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
17.99% - 26.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.99% - 26.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Walmart Store Card Review
This is a cashback credit card issued by Capital One. If you're wondering whether Walmart Store 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 26.99%.
- 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. Walmart Store Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, 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 Store Card
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Walmart Store Card FAQ
Does Walmart Store Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Walmart Store Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Walmart Store Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Walmart Store Card benefits?
Walmart Store Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Walmart Store 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.Walmart Store 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%.
Does Walmart Store Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Walmart Store 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 Store Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 Store Card have a foreign transaction fee?
Walmart Store Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Walmart Store Card?
The customer service number for Walmart Store Card is (877) 383-4802.
What is the support contact email for Walmart Store Card?
The support contact email for Walmart Store Card is support@capitalone.com.
What is the login page for Walmart Store Card?
You can access the login page of Walmart Store Card here.
How do people rate the customer service and user experience of Walmart Store Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Walmart Store Card report your account activity to credit bureaus?
Yes, Walmart Store 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 Store 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 Store Card
- Visit the website of Walmart Store 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.
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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.
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