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Walmart® Credit Card

walmart credit card
Required Credit Score:
Good
4 338 reviews   Write a Review
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Walmart® Credit Card’s Rewards

Bonus
$25
Base Earn
1%
Max Earn
1%
Earn / Redeem Limit
No
  • Save $25 when you open a Walmart Credit Card and spend $75 today.
  • Earn $5 back for every $500 you spend with the Card
  • Save up to 5ยข per gallon at participating Walmart gas stations in the U.S.
  • After each Purchase, a Cardholder will accrue a potential Reward equal to 1% of the purchase amount. A statement credit will be issued each time you accrue $5 in rewards.

Walmart® Credit Card’s Key APRs & Fees

Intro Rate on Purchases
0% for 6 - 24 months
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
22.9% (V)
  • ANNUAL FEE None

Walmart® Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.9% (V)
  • CASH ADVANCE
    FEE
    3% (min $5)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-PIN
  • Deferred Interest Details: No interest will be assessed on the promotional purchase if you pay the following in full within 6 months on any purchase of $150-$298.99, 12 months on any purchase of $299-$428.99, 18 months on any purchase of $429-$598.99 or 24 months on any purchase of $599 or more. Offer valid in-store only through August, 31 2015.
  • Receive your free monthly FICO® Score when you enroll in electronic statements online.
  • Get a cash advance at the time of purchase.
  • $0 fraud liability.
Apply Now
at Synchrony Bank ’s
secure site
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Walmart® Credit Card Reviews

 
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3.8
Overall Rating: 3.8 / 5
Total Ratings: 338
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Apr 18, 2015
Photo of Tammy B.
1
By:
Apr 18, 2015
We had a Walmart Credit for over a year always paid on time go to use it we got our credit limit reduced to 175 instead of 300. You are such dirt bags. We canceled our account.
Apr 15, 2015
Photo of Significant S.
1
By:
Apr 15, 2015
I had this card for two years now and if you pay your complete balance off online they will put a hold on your account. Recommend going into Walmart and paying off your account if you want to see the funds affect your account right away. This Synchrony Bank will decrease your credit limit without you knowing it, I called customer service and they told me to dispute it with Transunion. Telling me my credit score when down. As I check because I have their credit score as a figure my credit score when up from the last time I check it. Bad business if you ask me and I more
Apr 15, 2015
Photo of Allyson M.
2
By:
Apr 15, 2015
What people really need to look out for with the Walmart Credit Card is the introductory rate of 0%, but then a regular APR that is through the roof, which will also be applied to anything purchased during the introductory period if it isn't paid down. Use it for its bonus, but then switch to a card with a better rate after the introductory period.
Apr 7, 2015
Photo of Joe K.
1
By:
Apr 7, 2015
Trying to sign up for auto pay was a pain. By the time I enter all the security questions and answers it'd log me out for inactivity. It took me four tries going as fast as I could.

Then I finally did it and the next month they hit me with a $25 late fee, even though I signed up for the auto pay as soon as I got my first bill. This is my first late payment in 30 years and my credit score took a 20 point hit.

Not only did I NOT get the $25 sign-up bonus, I got a late fee...
Apr 2, 2015
Photo of Embrace F.
2
By:
Apr 2, 2015
Beware rude customer service. I like the credit card but not customer service. If you lack customer service skills, you should not be working with customers. I receive horrible customer service from a rep and supervisor.The way how the supervisor was talking to me it was so unprofessional I had to hang up and file a complaint. When I filed the complaint and spoke with Kelly she sounded so unconcern. So when I pay this card off I am going to close it immediately. Customers should feel value and appreciated. That is what customer service is all about. WALMART DID NOT DELIVER THAT MESSAGE.
Mar 28, 2015
Photo of Ginger G.
1
By:
Mar 28, 2015
I opened a Walmart Credit Card in order to take advantage of the $25 bonus credit and the additional $10 bonus for making qualifying purchases of $75 twice during a specific period of time. I waited 3 months and finally called to report no bonus credits were ever given to me. Took me nearly an hour on the phone to get them to credit my account. Sad news is, they said it would be done but it wasn't. Took another call and a request to speak to a supervisor to get the credits posted to my account. Something is wrong here. I doubt everyone will go to these lengths to more
Mar 12, 2015
Photo of Mary C.
4
By:
Mar 12, 2015
I currently have the Walmart credit card and it's been a nice card. I like the fact that you can get cash out right at the register when making purchases. It does have a high interest rate, but if you use it sparingly and pay off your balance quickly, that is not an issue. You can also receive your FICO credit score if you receive electronic statements, so that's a good way to stay up on your credit. Overall, good card.
Mar 10, 2015
Photo of Krizteanuh C.
2
By:
Mar 10, 2015
I used the Walmart Credit Card for 2-3 years without any issues. Unfortunately, my first large purchase (over $1k) was made with a service provider that did not deliver on its promises. I disputed the charge with Synchrony Bank and after 3-4 months of going back and forth with an assigned case worker, she stopped responding to my calls. Now, I sit on hold for over 25-30 minutes with their main telephone line before becoming frustrated and giving up. Synchrony Bank does not protect its customers. I will be paying my final bill, closing the account and taking my business elsewhere. Don't waste your time and open a line of more
Mar 6, 2015
Photo of Joe B.
1
By:
Mar 6, 2015
Are these people out of their minds giving this card any stars. I have excellent credit and didn't need another card but during the holidays they had a deal to take $25.00 off your bill if you open an acct. `The problem is you have to deal with Synchrony bank. This is the worst bank I have ever had to call. They sent an e bill for the first time and the second time I used it, I was waiting for a bill but didn't get it. I got a bill next month with late fee???? I called and they were nice to remove it but it still showed on more
Feb 25, 2015
Photo of Portia H.
5
By:
Feb 25, 2015
I recently signed up for the Walmart MasterCard after much success with the Wal-Mart store card and this card also lives up to my liking. I just love all the benefits I get when using this card. Starting with the cash back when I spend a certain amount, and money back when filling my tank at the gas station. I also love the customer service on the website and in store, they always are helpful with my questions and concerns!
Feb 17, 2015
Photo of Johnson J.
1
By:
Feb 17, 2015
Stay away from these guys, there are others cards with same benefits and better customer care. If your account balance is very low, they will not send your statement on time, so you will make late payment and interest, and forcing you to pay extra.
Apr 7, 2015
Photo of Joe K.
Joe Koar
Apr 7, 2015
Exactly what they did to me!
Feb 16, 2015
Photo of Tiger L.
1
By:
Feb 16, 2015
I am unimpressed with this credit card. They lowered my limit without advance notice, embarrassed me in front of other customers, and I have never been one day late, and always pay over the minimum. I will not EVER use this card again, it will be paid off..and discarded.
Feb 10, 2015
Photo of Jonathan C.
5
By:
Feb 10, 2015
I love this credit card! It is convenient & easy to use.
Feb 9, 2015
Photo of Casey D.
5
By:
Feb 9, 2015
I have this credit card and I mostly love it. i pay off my statement each month and have no interest. there is a 23 day grace period which is nice. I can use it on every day items and gain rewards to my next trip. I am a frequent Walmart shopper and it is so convenient on a Wednesday before you get paid. The only problem I have had with this card is that the customer service tends to be a little on the rude side. But over all a great card to have for a just in case. I would recommend it.
Feb 2, 2015
Photo of Susan W.
2
By:
Feb 2, 2015
I opened the card with the offer of a $25.00 credit if I spent more the $75.00. I was also told the credit would appear on my statement, but when I received it there was no credit. I called their toll free number and they applied the credit. It seems I am not the only one who had to call and ask for it... be mindful. I have not used this card enough to rate it other than this experience.
Mar 28, 2015
Photo of Ginger G.
Ginger Marso Geil
Mar 28, 2015
Same exact thing happened to me except they said they would apply the credit and never did. Had to call a second time and I'm hoping it will actually get applied this time. Also didn't get the additional $10 bonus credit offered for using the card for a second $75 purchase by a specific date. I patiently waited over 3 months. I doubt we are the only ones.
Apr 7, 2015
Photo of Joe K.
Joe Koar
Apr 7, 2015
Same thing for me!
Jan 27, 2015
Photo of Bob T.
1
By:
Jan 27, 2015
why is it that the new master card I have will only let me purchase gas at the pump at the Walmart gas stations? Every time I try to use it at another station, its rejected. Was it set up that way on purpose. Sometimes there is not a Walmart station available. Bob Tobey
Feb 3, 2015
Photo of Card H.
Card Hub
Feb 3, 2015
You can call customer service at 1-866-611-1148 and tell them about your problem.
Jan 23, 2015
Photo of Aleisa M.
5
By:
Jan 23, 2015
Can someone tell me why I was instantly approved for $1,600 credit limit after applying online, but when I activated the card, it shows my available credit as $500.
Jan 20, 2015
Photo of Nikki J.
3
By:
Jan 20, 2015
This card seems like it would be an okay choice, if you were just starting to build your credit. However, I don't like that there is a foreign transaction fee. With the Discover card, there are no foreign transaction fees. After the introductory grace period, the interest rate is still over 20%, so that raises a red flag. One perk of the card is the free FICO score every month. While large companies like Chase and Bank of America don't offer this feature, other companies like Discover do, so this card can hold up to the competition on that note. I like that this card has no annual fee.
Jan 7, 2015
Photo of Tammy R.
1
By:
Jan 7, 2015
WARNING!! My mother had a card activated in her name against her knowledge by an adult family member. This member does not live with her, never has and has never had any authority to use her credit. We reported it immediately as soon as she recieved a statement in the amount of $3500+ mostly cash advances.A police report was filed and charges pressed or arrest warrant issued. The police report number was given to Walmart Mastercard as was the name of the user. They continue to call my mother & myself, as I have authority to help her with finances, demanding payment & saying it's not fraud because it was more
Jan 5, 2015
Photo of Rumana K.
3
By:
Jan 5, 2015
I have this credit card for more than 1 year. I chose this card to pay at the gas station so I can get 5 cents off, and I get $5 reward for every $500 purchase. I had some problems with the credits posted on my account. I had to call customer service more than 4 times to resolve my issue, but I still have this card.
Dec 22, 2014
Photo of Dorthy F.
5
By:
Dec 22, 2014
I was offered a damaged credit card and did not finish the aplacation thank you Dorothy friel
Dec 8, 2014
Photo of Joanna F.
4
By:
Dec 8, 2014
I think that this Walmart Credit Card is good for people who shop a lot at Walmart or someone who has a large purchase to make. I used it to make a big purchase. It offers 0% apr which is an easy way to pay off a purchase. I was able to by myself a new TV and make smaller monthly payments with no interest. It also offers cash back and money off gasoline. Its a better card than others that offer no cash back and some have crazy aprs.
Nov 29, 2014
Photo of Betty C.
1
By:
Nov 29, 2014
We were told if we applied for a Walmart Credit card in October, we would receive a $25.00 off our purchase. We purchased tires for 168.00. No credit was given at that time. The clerk said it would be on our statement. The statement came with no credit. I paid the bill and have not heard from Walmart since. When will I get my 25.00 credit?
Dec 3, 2014
Photo of Le' H.
Le' Hall-Nance
Dec 3, 2014
It says on the sheet that it takes about 1 to 2 billing cycles before they get it back to you. It'll appear as a credit on your statement apparently.
Jan 6, 2015
Photo of Christina R.
Christina Ramey
Jan 6, 2015
Just got my 2nd billing cycle statement today...guess what? NO credit applied
Mar 28, 2015
Photo of Ginger G.
Ginger Marso Geil
Mar 28, 2015
I waited 3 months (3 billing cycles) no credit.
Nov 12, 2014
Photo of Tony J.
1
By:
Nov 12, 2014
I decided to get a Walmart MC credit card so I could get some extras around the holidays while building credit. I have an $1800 limit. After ordering online from a few different sites the card gets declined. I call and still have plenty of credit to use. Sooo I start thinking "okay, well maybe they just have good security measures and thought it was suspicious charges." I call customer service and the lady on the phone basically tells me the same thing... that they thought it was suspicious activity but she went ahead and made note and I could begin using my card again. I go to use the more
Jan 9, 2015
Photo of Tammy R.
Tammy Ruzanske-Rietveld
Jan 9, 2015
I don't blame you! Don't just cut it up cancel the account. If anyone gets hold of your account number and uses it somehow they are a nightmare to deal with!!! It happened to my mom $4000 and they are trying to make her pay it, she had never used the card herself.
Nov 11, 2014
Photo of Troy S.
4
By:
Nov 11, 2014
This card has a lot of good things going for it. The initial use bonus of $25 is better than what I have seen on other store cards and the reward bonus rate is very good. Additionally the 15% off on gas would make this card well worth using. However, due to the relatively high interest rate on purchases and advances this is a card that you would never want to carry a balance on.
Nov 8, 2014
Photo of Xinmeng S.
1
By:
Nov 8, 2014
Worst customer service ever. I haven't received any paper bill for 3 months so I called the customer service to find out why. The customer service is not helpful at all. They keep asking me to check my local post office which I did, but then when I call back they keep hanging up the phone. Avoid using this credit card as much as you can.
Feb 17, 2015
Photo of Johnson J.
Johnson Joseph
Feb 17, 2015
you are right man
Oct 20, 2014
Photo of Sara B.
4
By:
Oct 20, 2014
The Walmart Credit Card seems perfect for my needs- Most of my trips to Walmart are for things like diapers or shampoo. I also frequently make purchases for things like technology or furniture. I buy these things often enough that I think I could easily build up a lot of points, and actually save some money in the long run. I do get gas at Walmart often, so I like that there are gas rewards. I don't really like how they say 15 cents off per gallon, but they lower that to 5 cents later. At least it's still a good deal at five cents, but I wish that they more
Sep 26, 2014
Photo of Brian A.
3
By:
Sep 26, 2014
The Walmart card has so far been a good card. It has a low fee ($35) which is nice. It's not my favorite though as far a rewards go. I personally perfer an airline card to this card. It's a great card if you shop at Walmart a lot, but otherwise, I prefer other cards instead of this one. The rate is also fairly high compared to most other cards I have and use.
Sep 18, 2014
Photo of Marilyn L.
5
By:
Sep 18, 2014
i like everything about it
Sep 15, 2014
Photo of Edmond D.
1
By:
Sep 15, 2014
I’m really not happy the service of Walmart Rewards MasterCard, it’s really poor!!!, Don’t recommend !
I spent a lot every month with this card for my business’s purchasing, even more than $10,000 / month sometimes, and I paid the full balance on time every time. However, I was not able to pay the balance on time last time due to a business trip, they charged me about $100 for the late payment fee and interest. That was not the all they did, they even blocked my account even though the balance I owned were under my credit limit, and all other bills which I set up for auto payment with more
Aug 27, 2014
Photo of Elena Z.
5
By:
Aug 27, 2014
I used to use Walmart card a couple of years ago, when I bought the house and needed to get many things at once. Mainly the TV and Microwave. I am fan of no interest purchases on the things that I need, and their offer was just what I needed. I don't follow the points system much on any card, even on the one I currently have with Amazon. But that is mainly because I very rarely use credit cards. The current Walmart rate is not better or worse than the majority of cards, but they have better financing options even for smaller purchases, which is what I like about more
Aug 6, 2014
Photo of Stephanie S.
4
By:
Aug 6, 2014
The gas perks are a plus! I love how it gives 1% cash back. I enjoy this freedom with my Capital One card as well. And the incentive of $25 bonus is a plus! Also, I love working with discover too. Very friendly and great customer service if you ever have a problem! Overall, great credit card.
Jun 5, 2014
Photo of Lauren D.
4
By:
Jun 5, 2014
I have a lot of misgivings about Walmart and everything about them in general but as far as credit card perks go, this is a pretty good deal. The gas perks are pretty good if you live anywhere near a walmart gas station. The FICO score thing is actually a pretty good idea in the sense that it keeps you up to date on what your credit damage is. The extended months of payment are also good since a lot of different income brackets shop at Walmart and extra time to pay things off is beneficial to someone like me with limited cash flow but needs food.
Jun 4, 2014
Photo of Megan C.
5
By:
Jun 4, 2014
I have never had a problem with my credit card. I like that the minimum payment is so low (only $25) and that I got to pick the time of month that I pay my card payments. I also like the special offers (such as special payment offers for electronic items).
May 8, 2014
Photo of Becky W.
4
By:
May 8, 2014
Wal-Mart offers a great credit card for all individuals. The max late fee of $35 is my favorite aspect, considering I sometimes remember a day or two too late. The grace period of 23 days is also a fantastic bonus that makes their card worth it. The No max overlimit fee is also great!!
Apr 3, 2014
Photo of John J.
4
By:
Apr 3, 2014
I have been very happy with this card. I started with the Wal-Mart store card, and they randomly sent me the Wal-Mart Discover card. Their rates are fair, their 0% interest on large purchases is AWESOME, and my credit limit with this is very high. They offered me a higher credit limit than any other card I have. The only reason I didn't give it 5 stars is because it's a Discover card. It's not Wal-Mart's fault, but Master Card and Visa are accepted at a lot more places than Discover. Send me a new Wal-Mart card and make it Visa or Master Card and I'll make my review 5 enthusiastic stars!
Apr 1, 2014
Photo of Lily O.
4
By:
Apr 1, 2014
Last year I applied and was approved for a Walmart Discover credit card. Its first feature was a $20 discount on the first purchase over $100 in Walmart. But not only that: for three months I got a 15 cents discount per gallon on the gas price, and then a for live 5 cents discount. It´s a great card!
Mar 19, 2014
Photo of Shalaeha M.
3
By:
Mar 19, 2014
I think that this card has its perks. Right from the start you are getting that savings, and you get savings if you use your Walmart Credit Card at a Walmart gas station. But after that, it seems a bit lackluster. The rewards are not enticing, unless you are a very frequent walmart shopper, who is purchasing upwards of $75 per visit. I think it would be a great card for families, who are looking for that kind of savings, but other than that, it doesn't seem that great. But, every bit of savings does help, especially if you are in a pinch.
Mar 6, 2014
Photo of Amy E.
4
By:
Mar 6, 2014
If you're a regular shopper at Walmart, the Walmart credit card is very beneficial. Right off the bat if you spend $75 when you open the account, you get $25 as a bonus, which helps! The fact that you don't have to pay interest anywhere from 6-12 months on qualifying purchases, is great. The 5 cent perk at Walmart gas stations is great if you have a gas station at your Walmart, or at a Walmart near you. My hometown Walmart doesn't have one, but the next town over does, so this would be a great perk for me.
Feb 11, 2014
Photo of Sabira L.
2
By:
Feb 11, 2014
The Walmart Credit Card was convenient for a short time. At the time I received my card, they did not offer free FICO Scores, but that is a good perk. I did not feel the rate was any better than other cards I have seen. I did not benefit from bonus or cash back incentives because I never spent the amount required.
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Apr 8, 2015
Photo of Jennifer D.
By:
Apr 8, 2015
What if I want to cancell my credit card
Apr 10, 2015
Photo of Card H.
Apr 10, 2015
You can call customer service and tell them you wish to close your account. Just make sure your balance is paid in full and that you’ve redeemed all earned rewards.
Apr 8, 2015
Photo of Jennifer D.
By:
Apr 8, 2015
Can I use my Wal-Mart credit card in the automotive shop department
Apr 10, 2015
Photo of Card H.
Apr 10, 2015
You can use your card in Walmart stores and anywhere else MasterCard is accepted.
Apr 7, 2015
Photo of Doug M.
By:
Apr 7, 2015
walmart interest in march was 43.00 and this month went up to 75.00 and i havent even used the card and being paying on it not ever late never get a walmart credit be in debt for life
Mar 21, 2015
Photo of Jermaine E.
By:
Mar 21, 2015
am i allowed to use the card outside of wal mart? Oo
Mar 24, 2015
Photo of Card H.
Mar 24, 2015
Sure, it will be accepted anywhere that takes MasterCard.
Jan 5, 2015
Photo of Jerry B.
By:
Jan 5, 2015
Why did I get a bill for$81.73 when I have never used my new card. I applied for one from the WalMart clerk and received $25 off my bill. However, I paid the $81.73 with my Visa card and could not have used my Walmart card as I didn't even have it at the point. I did send a check via my bank for the $81.73 so as not to incur a late charge in case I misunderstood the clerk. Jerry Bradnick,
Sep 18, 2014
Photo of Marilyn L.
By:
Sep 18, 2014
When will I know if I am approved for a credit card?
Oct 9, 2014
Photo of Card H.
Oct 9, 2014
According to the company’s site, you can call Walmart Credit Services at 1-877-969-3668 to check on the status of your Walmart credit card application. If it has been approved you will receive your card by mail in about seven to ten business days. If your application has been approved but your card does not arrive within 10 business days, again you can call the number above.
Aug 3, 2014
Photo of Melvin R.
By:
Aug 3, 2014
What is the minimum credit score for approval?
Aug 4, 2014
Photo of Card H.
Aug 4, 2014
Credit card companies will not share the minimum credit score they require to approve an application. Without any guarantees, you can use our credit estimator here >> http://www.cardhub.com/credit-check/. If it gives you an excellent or good credit, you can try applying for the Walmart credit card.
While your credit standing is a very important factor it doesn’t guarantee acceptance. There are other variables that may play a role such as outstanding debts, your income and your job status.
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Last updated on: Apr 18th, 2015 at 12:42 EDT