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)
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Balance Transfer APR (Variable APR)
17.99% - 27.74%(Verified 06/21/2024)
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Walmart credit card?
You can access the login page of Walmart credit card here.
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.
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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 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