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  Walmart Store Card

Walmart Store Card

in Personal Credit Cards from Capital One

Claimed

Walmart Store Card

Claimed

in Personal Credit Cards from Capital One

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 17.99% - 26.99%
Balance Transfer APR  (Variable APR) 17.99% - 26.99%
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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5x.
  • 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 cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 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 3% every time you make a transaction outside the U.S.
  • Gas rewards. on eligible gas purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Walmart Store Card
The Good The Bad
  • No annual fee
  • 5% back on purchases at Walmart.com, including Walmart Grocery Pickup and Delivery.
  • Redemption of points include travel, gift cards, cashing in points during online checkout at Walmart.com, and statement credits.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on their purchases.
  • Walmart Store Card reports to multiple credit bureaus.
  • High interest fees if balance is not paid in full each month.
  • The Walmart Rewards Card can only be used for Walmart purchases and at Walmart and Murphy USA Gas Stations.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
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. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other 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.

Walmart Store Card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It 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?

The following fees apply:

Walmart Store Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee up to $39

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 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 Walmart Store Card customer service number 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.

How do people rate the customer service and user experience of Walmart Store Card?

Overall, Walmart Store Card is strongly not recommended based on community reviews that rate customer service and user experience.

Does Walmart Store Card report your account activity to credit bureaus?

Yes, Walmart Store 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 Store Card

  • Visit the Walmart Store 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.

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.

Availability

  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

No Annual 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
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
  • Auto Rental Collision Damage Waiver
No Reward Expiration Period
Rewards Categories
  • Cash Back on Travel
  • Cash Back on Retail
  • Cash Back on Gas
  • Cash Back on Groceries
  • Cash Back on Every Purchase
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
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
Card Network Mastercard

Walmart Store Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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