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Walmart® Credit Card

walmart credit card
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396 reviews   Write a Review
Info about the Walmart® Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Walmart® Credit Card’s Rewards

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Max Earn
Earn / Redeem Limit
  • 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

Purchase Intro APR
0% (V) for 6 - 24 months
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
22.9% (V)

Walmart® Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   23 days
    25.9% (V)
    3% (min $5)
  • 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 December, 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.
  • Request additional cards for family members at no extra cost.
Apply Now
at Synchrony Bank ’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Walmart® Credit Card to our community.

What if I want to cancell my credit card

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.
62 Votes 64 2

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

Photo of Tom J.
Sep 9, 2015
What is your balance? With your first statement you paid $43.00 in interest I can assume you are carrying a balance close to $2,000.00. The interest is 22.9% of your balance each month.
31 Votes 36 5

am i allowed to use the card outside of wal mart? Oo

Photo of Card H.
Mar 24, 2015
Sure, it will be accepted anywhere that takes MasterCard.
29 Votes 40 11
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Customer Reviews

Share your insights and review the Walmart® Credit Card.

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3.7 out of 5

396 reviews
Photo of Jan E.
Sep 28, 2015
This is the worst card I have ever seen. I tried to activate my second user credit card. They keep getting the phone number incorrect, cannot set up pin. The phone keeps on hanging up. When put on hold sometimes, it just transfer to a new person, and the whole verification process starts over again. I think in total my secondary user and I have spent over 4 hours for the last two weeks on activating the credit card. Conclusion, the pin still cannot be set up. This is my 4th phone call today, each time at least 20 mins. I really gave up. DO NOT GET THIS CARD. This more
Photo of Andy Z.
Sep 21, 2015
this is dangerous experience to use walmart marstercard, because I frequently get wrong number in the account, I have to keeep eyes on it , otherwise, your will see more money paid.
Photo of Asad Z.
Aug 14, 2015
this is by far the worst card that i own! bad customer service, high APR and poor rewards make it ,uraguably, the worst credit card ever!
my FICO score has gotten better and better, and a lot of my credit card companies have awarded me a lower APR; except for walmart.
stay away from this card!
Photo of Fyuri L.
Aug 10, 2015
my mother has this card. she bought several things and the latest was a lawnmower. my sister found out how high the cost plus interest on it was and offered to transfer the balance to a credit card with much lower interest. they told her that they were not set up to be able to allow her to pay it off with a credit card, it had to be cash money. so now we are working on an arrangement to get it paid off. the fees and interest are rather high. and why would there be a foreign transaction fee ? i am guessing that is for if you travel more
Photo of Jean C.
Jul 24, 2015
i dont like the HIGH INTEREST RATES Plus I have it paid off and I SHOULD NOT HAVE TO PAY ON A ZERO BALANCE EVER!!!!!
Photo of Harbinder B.
Jul 23, 2015
Not sure about the card but the customer service is very poor. cancelled the card because of the customer service.
Photo of Karl J.
Jul 20, 2015
My card was shut off after each and every purchase, I had to call the credit card and assure them that I made the purchase prior to each use. I went through the shut off and having to call several times. At one point, the CS tried to interrogate me as to what medication I bought at the pharmacy and why. Calling prior to each use is not the way to have to use a credit card so I closed it out.
Photo of Izzie R.
Jul 15, 2015
The card is not that great compared to my capital one. the interest rate is much lower on mine, and the rewards much higher. please don't waste your time on this card.
Photo of Livia T.
Jun 29, 2015
Any cards from Synchrony Bank are jokes! Save your time, don't apply, i'm not joking.
Photo of Dimple C.
Jun 11, 2015
I am using Walmart from Last 6 month continuously. My payment was $555, but being online ,by mistakenly, I had made the payment of $ 520, I have clear that in next cycle. from that day till today they keep charging me Balance ins, Purchase Interest and tax on ...
22% interest for that mere $35 difference,Really Strange...
I am Going to shut down my all business from Walmart.
If you are Planing to taking that master card, forget it, it sucks you
Photo of Ellyn P.
Jun 7, 2015
The interest rate is ridiculously high.
Photo of Paschal M.
Jun 5, 2015
It's been a month since I opened my account.
I have my previous address on my DL so I called them and gave them my current address on the day I opened my account.
But they still sent it to my previous address.
I called them after 7 days and they said I would get it the next day but no.
After waiting 9 days I called them back and they said my card was returned because they sent it to the previous address.
So i gave them my current address one more time. And they said i would get my card in 7 to 10 business days.
Well... Today i got a mail from them more
Photo of Carmen L.
Jun 3, 2015
if you shop at walmart supercenters, there are much much better cards. RBC Mastercard offers 2% cashback while shopping at walmart. Walmart only gives you 1.25% with no extended warranty, purchase protection. The Canadian PC World Mastercard offers 2% back at their own stores while walmart doesn't. Really $25 sign up bonus? Too little too little. Plus that $25 that walmart offers has lots of tiny print conditions attached. No thanks for such little rewards. $100, might be interested. MBNA smart cash, used to offer 3% now 2% at walmart supercenters. Plus the mbna emall used to offer a combined 5% return rate though the mbna emall portal to more
Photo of Ceceil V.
Jun 2, 2015
I have never been late on my payments ever with the 3 years and one day my reoccuring payment was cancelled and I was not notified in any way. I contacted customer service and what a joke it was. My concern was not addressed and made to feel that I purposely avoid payment. I would not recommend this card to anyone due to their lack of customer service and scams to obtain late fees. Closed my card on the spot.
Photo of Ellyn P.
Jun 7, 2015
Read my comment below about cancelling cards
Photo of Les C.
Jul 23, 2015
I do agree, they customer service is a joke. I just cancelled my card last month and they are now calling me to try and resign me again. I told them not to call me again. What a scam.
Photo of Allen N.
May 27, 2015
The 25.00 credit for opening an account is a scam. I am going to consult an attorney on this.
Photo of Thomas M.
Jun 20, 2015
Consultation for attorney $ lose twice
Photo of Tom J.
Sep 9, 2015
The Attorney will charge you more than $25.00!
Photo of Kimberly B.
May 16, 2015
Online payment is BS! My payment went through twice and they could not fix it. I also spent 1 hour and 13 on hold for nothing.customer service is crap. I have never experienced this amount of rudeness in one phone call.....EVER! What a joke! Never even reported to credit bureau for good credit! Good luck
Photo of Michele C.
May 15, 2015
I'm not a big Wal-Mart shopper, so this card doesn't appeal to me. It seems like it has some decent deferred interest deals going on right now, so that's a positive. Of course that means you have to spend a lot of money in their stores, so that may get you into trouble later on. The late fee isn't terrible, and there's no max penalty APR, so that's appealing. But, the standard APR on this card is outrageous! I can't imagine paying 22.9% on balances; that's crazy! Not only that, but the "perks" of the card are so terrible. You get $5 back when you spend $500. That's 1% reward more
Photo of Aurelio G.
May 7, 2015
I will be canceling this credit card soon for two main reasons. First, the APR is extremely high compared to other instruments. Second, Synchrony Bank will not send you an electronic statement nor due payments warnings . Consequently, you will be charge $35 each time that you miss a payment.
Photo of Les C.
Jul 23, 2015
I just cancelled mine a month ago. Terrible customer service, otherwise I did not mind using the card.
Photo of Tom J.
Sep 9, 2015
Didn't you read how much it was going to cost you before you applied?
Photo of Matt H.
Apr 30, 2015
The Wal-Mart Credit Card is one of the best store owned credit cards you can get, but only when you're a frequent shopper at Wal-Mart but lets be honest, not many normal human beings care to go into Wal-Mart these days. But regardless the card offers very good rewards for making purchases and even gives you rewards when using Wal-Mart gas stations which is usually rather cheap to begin with, now I can't attest to quality but it's likely one of those " get what you pay for " scenarios.
Photo of Tammy B.
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.
Photo of Ellyn P.
Jun 7, 2015
Read my comment below.
Photo of Les C.
Jul 23, 2015
They did the same to us and we cancelled the card. They tried to call us after to try and sell us another and I told them not to call our number again. Terrible customer service.
Photo of Significant S.
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
Photo of Ellyn P.
Jun 7, 2015
As a Realtor for more than 25 years a word of warning to those of you that are cancelling your cards when you are angry at the credit card company---pay the balance that is on your card or transfer it to another , but don't ever cancel a credit card as it will adversely affect your credit score----you don't ever have to use it again cut it up and throw it away, but just leave it there on your report---- it makes no sense , but whenever you cancel a card your credit score goes down.
Photo of Allyson M.
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.
Photo of Joe K.
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...
Photo of Embrace F.
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.
Photo of Les C.
Jul 23, 2015
You are not alone...I just cancelled mine last month. Horrible customer service. Not sure if they train their staff and supervisors what real customer service is.
Photo of Ginger G.
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
Photo of Les C.
Jul 23, 2015
All I can say...horrible customer service. I cancelled mine for that reason.
Photo of Mary C.
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.
Photo of Krizteanuh C.
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
Photo of Joe B.
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
Photo of Portia H.
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!
Photo of Johnson J.
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.
Photo of Joe K.
Apr 7, 2015
Exactly what they did to me!
Photo of Tiger L.
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.
Photo of Jonathan C.
Feb 10, 2015
I love this credit card! It is convenient & easy to use.
Photo of Casey D.
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.
Photo of Susan W.
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.
Photo of Ginger G.
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.
Photo of Joe K.
Apr 7, 2015
Same thing for me!
Photo of Bob T.
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
Photo of Card H.
Feb 3, 2015
You can call customer service at 1-866-611-1148 and tell them about your problem.
Photo of Aleisa M.
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.
Photo of Nikki J.
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.
Photo of Tammy R.
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
Photo of Rumana K.
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.
Photo of Dorthy F.
Dec 22, 2014
I was offered a damaged credit card and did not finish the aplacation thank you Dorothy friel
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Last updated on: Oct 7th, 2015 at 8:08 EDT

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