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  Walmart Store Card

Walmart Store Card

in Personal Credit Cards from Capital One

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Walmart Store Card

Claimed

in Personal Credit Cards from Capital One

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 670 - 850
Annual Fee $0
Purchase APR  (Variable APR) 26.99%
Rewards Rates
  • 1% on Every Purchase
  • 2% on Gas
  • 1% - 5% on Groceries
  • 1% - 5% on Retail
  • Travel

Walmart Store Card Review

Walmart Store Card 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 is everything you need to know to make a good choice.

  • Generous reward rate. You can get a rewards rate of up to 5%.
  • Up to 1% on every day purchases.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 26.99%
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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. Earn up to 2% for every $1 you spend on gas.
  • 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, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 670.
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.
  • Earn rewards on every purchase.
  • Walmart Store Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • 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.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.

Is there a Walmart Store Card cash back or rewards program?

Walmart Store Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Walmart Store 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.

Walmart Store Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Walmart Store Card have a signup bonus?

Walmart Store Card doesn't offer a cash signup bonus.

Does Walmart Store Card offer an annual loyalty bonus?

Walmart Store 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
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Walmart Store Card has higher than average purchase APRs.

Walmart Store Card has a variable purchase APR of 26.99%.

Does Walmart Store Card have an introductory APR offer on balance transfers??

No, Walmart Store Card does not come with an introductory APR offer for balance transfers.

Does Walmart Store Card have an introductory APR offer on new purchases??

Walmart Store Card does not offer an introductory rate on new purchases.

What are the Walmart Store Card fees?

The following fees apply to Walmart Store Card:

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

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 a foreign transaction fee.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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
Foreign Currency Transaction Fee 3%
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
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
Card Type
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Price Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Free FICO Score  
Bonus Rewards Earn 5% back on in-store purchases when using Walmart Pay for the first 12 months after approval. After the intro offer, earn 2% back.
No Reward Expiration Period  
Rewards Rates
  • 1% on Every Purchase
  • 2% on Gas
  • 1% - 5% on Groceries
  • 1% - 5% on Retail
  • Travel
Purchase APR (Variable APR) 26.99%

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