The Walmart Credit Card gives you access to rewards and benefits designed for frequent Walmart shoppers.
Applying is simple, but you need to understand the requirements, fees, and available card options before deciding.
This guide explains the steps to apply, the benefits offered, and how to manage your card responsibly.
Types of Walmart Credit Cards
Walmart offers more than one credit card option, giving you flexibility based on how and where you shop.
Each card has different features, so you need to choose the one that best fits your spending habits.
Here are the main types of Walmart Credit Cards you can apply for:
- Walmart Rewards Card – A store-only card you can use at Walmart and Sam’s Club.
- Walmart Mastercard – A broader card that works anywhere Mastercard is accepted.
- Walmart Capital One Card (co-branded) – Offers enhanced rewards and added perks, including online shopping benefits.
Eligibility Requirements
Before you apply for this card, you need to meet specific eligibility requirements.
These requirements ensure that applicants have the proper identification, creditworthiness, and financial stability.
Here are the main eligibility requirements you should know:
- Age Requirement – You must be at least 18 years old.
- Residency – You need to be a legal resident of the United States.
- Credit Score – A fair to good credit score is usually required for approval.
- Identification – A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is needed.
- Income Information – Proof of income may be required to assess repayment ability.
How to Apply for a Walmart Credit Card
Applying for a Walmart Credit Card is simple, and you can choose the method that works best for you.
Walmart offers multiple ways to submit your application, whether online, in-store, or by phone. Here are the main ways to apply for a Walmart Credit Card:
- Online Application – Visit the Walmart website, complete the form, and submit your details.
- In-Store Application – Apply directly at a Walmart checkout or service desk with assistance from staff.
- Phone Application – Call Walmart’s credit card application line and provide the required information.
Application Process Step-by-Step
The application process for a Walmart Credit Card follows a clear set of steps. Knowing each step helps you prepare your details and avoid delays.
Here’s a simple step-by-step breakdown of how to apply:
- Step 1: Access the Application – Go to the Walmart website, store kiosk, or call the application line.
- Step 2: Fill Out Personal Information – Provide your name, address, Social Security Number, and contact details.
- Step 3: Enter Financial Information – Share your income and employment details to assess eligibility.
- Step 4: Review and Submit – Check the form for accuracy before submission.
- Step 5: Wait for Approval – You’ll receive an instant decision in most cases, or further review may be required.
- Step 6: Receive Your Card – If approved, your card will arrive by mail within a few business days.
Interest Rates and Fees
Understanding the interest rates and fees is essential before applying for a Walmart Credit Card.
These charges affect how much you pay if you carry a balance or miss payments. Here are the main rates and fees to consider:
- APR (Annual Percentage Rate) – Standard purchase APR is usually around 17%–26%, depending on your credit.
- Annual Fee – No annual fee is charged for Walmart Credit Cards.
- Late Payment Fee – Fees can be up to $40 if you miss the due date.
- Returned Payment Fee – A fee may apply if your payment is returned.
- Cash Advance Fee – Additional fees and higher APRs apply if you take cash advances.
Rewards and Benefits
This card offers rewards and benefits that make it an attractive option for frequent shoppers.
These perks help you save money and earn back on everyday purchases. Here are the main rewards and benefits you can expect:
- Cashback on Walmart Purchases – Earn rewards for in-store and online shopping at Walmart.
- Online Benefits – Higher cashback rates when using Walmart.com and the Walmart app.
- Fuel Discounts – Savings at Walmart and Murphy USA fuel stations.
- Everyday Rewards – Earn cashback at restaurants, travel, and other categories (for Walmart Mastercard).
- Special Financing Offers – Access to promotional financing on select purchases.
Introductory Offers and Promotions
New applicants can often take advantage of introductory offers and promotions that add extra value when getting approved.
These perks are designed to reward new users and encourage card usage early on. Here are the main introductory offers you might find:
- Sign-Up Bonus – Earn a one-time reward or credit after your first purchase.
- Introductory APR – Some promotions include 0% APR for a limited time on purchases.
- Exclusive Discounts – Special savings on select Walmart.com or in-store items.
- Seasonal Promotions – Limited-time offers tied to holidays or big sales events.
Credit Building and Score Impact
Using this card responsibly can help you build or improve your credit score over time.
Every transaction, payment, and balance you manage has an impact on your overall credit profile. Here are the main ways it can affect your credit:
- Payment History – On-time payments strengthen your credit score.
- Credit Utilization – Keeping balances low compared to your limit helps maintain a good score.
- Length of Credit History – Keeping the account open contributes positively to your credit age.
- Credit Mix – Adding a retail credit card to your profile can diversify your credit types.
- Hard Inquiry at Application – Applying will trigger a credit check, which may cause a slight temporary dip in your score.
Managing Your Walmart Credit Card
After approval, managing your card properly is key to avoiding debt and maximizing rewards.
Walmart provides several tools to help you stay on top of payments, track spending, and monitor benefits.
Here are the main ways to manage your card effectively:
- Online Account Access – Log in to your account to view balances, due dates, and transactions.
- Mobile App Management – Use the Walmart app to make payments, track rewards, and set alerts.
- Payment Options – Pay online, in-store, by mail, or through automatic payments.
- Spending Tracking – Monitor purchase history to stay within budget.
- Rewards Monitoring – Keep track of cashback earned and redemption options.
Customer Support and Contact Information
Reliable customer support is essential for handling billing issues, lost cards, or account questions.
Walmart provides several official contact channels that cardholders can use anytime. Here are the verified ways to reach support:
- Customer Service Phone Number – Call 1-877-294-7880 for general cardholder assistance.
- Payment Mailing Address – Send payments to Walmart Credit Card, P.O. Box 960024, Orlando, FL 32896-0024.
- Online Support – Access your account and help center at walmart.com/credit.
- Mobile App Support – Use the Walmart app to chat or get quick answers.
- Lost or Stolen Card Hotline – Report immediately at 1-877-294-7880 (24/7 service).
The Bottomline
Applying for a Walmart Credit Card can give you rewards, savings, and convenient account management tools.
Make sure you understand the eligibility, fees, and benefits before submitting your application.
If you’re ready, visit the official Walmart site and apply today to start enjoying the perks.
Disclaimer
This information is provided for general guidance and may not reflect the most current card terms or conditions.
Always review the official Walmart Credit Card details and disclosures before applying.