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Walmart® Store Card

walmart store card
Required Credit Score:
Fair
464 reviews   Write a Review
Info about the Walmart® Store Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Walmart® Store Card’s Rewards

Bonus
$25
Base Earn
$0.05/gallon
Max Earn
$0.05/gallon
Earn / Redeem Limit
No
  • Save 5¢ per gallon every day at participating Walmart® gas stations.
  • Save $25 when you open a Walmart Credit Card and spend $75 today.

Walmart® Store 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® Store 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
    N/A
  • CASH ADVANCE
    FEE
    N/A
  • FOREIGN
    TRANSACTION FEE  
    N/A
  • SMART CHIP   No
  • Deferred Interest Details: No interest will be assessed on the promotional purchase if you pay the following (the "promotional balance") 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.
  • $0 Fraud Liability.
Apply Now
at Synchrony Bank ’s
secure site

Customer Questions and Answers

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How long does it take to recieve your card after being approved ?
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Photo of Card H.
Feb 1, 2015
According to the help section on the company’s site, if your application has been approved, you will receive your Walmart Credit Card in the mail in about 7-10 business days. If your card does not arrive within 10 business days after your application has been approved, please contact Walmart Credit Services at 1-877-969-3668.
1 Votes 1 0

Can I get a cash advance when checking out at store?
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0 Votes 0 0

Can I purchase in the store if I do not have my card on hand? I was approved for the card, but am unsure if I will receive it in time for when I need to make the purchase.
Reply

Photo of Card H.
Feb 1, 2015
According to the company's site, if you applied in store via the register or kiosk and you are approved you will get a temporary shopping pass valid for 24 hours. With this shopping pass you can only make purchases in the store where you applied for your card. If you made your application online and it was approved, the account will be available to use immediately online at Walmart.com.

For more information you can go here >> http://help.walmart.com/app/ask and submit the form after filling in the relevant information.
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Customer Reviews

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3.4 out of 5

464 reviews
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44%
9%
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Photo of Paula A.
Jul 29, 2015
This is one card that is essential to have. My credit isn't the best and was fortunate enough to be accepted! It goes without saying the store has everything and when you are tight with cash you have access to anything you could possibly need. The promotional purchases with a 6 months no interest period is the icing on the cake. Love the store and love the credit card. Its a safety net I absolutely need! The website is easy to navigate and pay the bill online. Just make sure you pay the interest free promotional balance before the 6 months expire!!!
Photo of Chuck F.
Jul 14, 2015
I reapplied for this card 4 months after been denied. I was denied because I used a differ number than the one I tried to verify. I was approved the second time around. My fico on Transunion was around 580. I was approved for 150.00. I had a DirecTv account in collection (400.00). I purchase 60.00 worth of items in 3 differ purchases. Paid it right off. I went on vacation and made a 22.00 purchase. I came home and was making the 22.00 payment and I notice an amount of1178.00 on my account page. I almost passed out (think it was a charge). NO, it was my available amount more
Photo of Kristan H.
Jun 29, 2015
There is something about having a Walmart credit card that just makes you feel good inside, you have the option to get a big purchase and pay little by little. Since walmart no longer does layaway for clothing and they have some really nice things for really cheap, I use it all the time. I have two little boys that go through clothes like their nothing and this keeps me on track and lets me spend as I need and as I want. I have used it for minor purchases at first and made sure to pay it off fully which sent my credit rating through the roof with good more
Photo of Valerie E.
Jun 22, 2015
I recently opened this card to make a large purchase because I saw that they have special no interest financing on different purchase amounts. If you spend over $599, there is a 24 month, no interest period. It was relatively painless to get the offer, all you have to do is print the certificate on their website and give it to the cashier when purchasing. I wish the offer were valid on their website, but it is only available for in store purchases, however, they price matched the online price for the item so I was still able to get the sale. Otherwise, the credit card and online billing are more
Photo of Tiffany C.
Jun 20, 2015
I enjoy having my Wal-Mart card for the convenience of purchasing some things that are larger purchases that I want to get right then. I also like to have it when I spot a good deal on something that may not be in my budget for that week. I feel like the interest rates are a little high if you carry a balance on this card from month to month. I would recommend paying off your total bill to avoid this becoming a large bill.
Photo of Barbi A.
Jun 11, 2015
The Walmart card is great for convenience purchases, such as when you want to catch a price on a sale item or to shop for special occasions. I also like that you can get a discount on gasoline when you use their card at their gas station. Interest rates tho, if you don't pay the total amount due each month will quickly add up and you will end up paying twice the original cost. Also, this is strictly a Walmart only card and can’t be used at other businesses.
Photo of Myles L.
May 16, 2015
OK, based upon the 22.9% interest rate this card is not a good option for carrying balances. Unless you use their 0% promotional rate on purchases over $150. This card will even let you carry a $599 purchase for two years with no interest. It is also a good card to use at their gas station, as they give you a discount of up to fifteen cents a gallon in bill credit. My wife also will use it on groceries, on occasion, and let me know the balance so I can pay it off before the interest kicks in.
Photo of Derek R.
May 13, 2015
Late ONE TIME and they reduced my credit by $400. Nice of them to tell me too.. after being embarrassed trying to buy something at their stupid store. PS- The interest rate is RIDICULOUS.
Photo of Sami S.
May 4, 2015
The walmart credit card is the only credit card I have been approved for. As a young person with starter credit, the walmart credit card has been fantastic. It has a low limit right now so that I can't go too crazy even if I wanted to. It also has a nice and low minimum monthly payment. Plus walmart has everything I could ever need so if I'm ever in a pinch and need money for gas, food, clothes, or school supplies, I'll be able to just put it on my walmart card. I also love being able to shop online with it.
Photo of Tracy M.
Mar 18, 2015
I often use my WalMart card, and I love it. I also pay all my bills online, and they recently redid their website. It is so much easier now to navigate, and a side benefit is that my credit report comes with it free-of-charge. The interest rate is a bit high, so I try to pay it off every month. Other than that, this is a great card to have when you’re short on cash and need to buy some things in between paychecks.
Photo of Garth C.
Mar 18, 2015
First couple of times I applied for the Walmart store card I was denied. After I received the card I began to use it for a couple of my big purchases. I soon realized that was a terrible idea, interest rates are through the roof and if you only do minimum payments it could take almost 10 years to pay back a $1,200 dollar debt. The Card is great for small purchases however be warned if you are going to make a large purchase be sure to pay it off quickly or you will be stuck making payments for a very long time.
Photo of Rebecca V.
Mar 13, 2015
I really like my Walmart Card. I have cards with a few other stores, but this is the one I use the most. The $25 bonus when you open an account is nice; Barnes and Noble is the only other store card I have that offers that. Even though some Walmarts don't have a gas station, the one closest to me does, so I use the 5 cents off a gallon pretty much every time I fill up. It's a pretty good deal, and I like that you don't have to build up to it, and that the discount is constant instead.
Photo of Jennifer A.
Mar 5, 2015
I love the Walmart in store credit card! Very handy when low in cash, and ideal for my "last minute" or "just a thing or two" stops in the store. I have yet to have an issue with paying my bill online, and love the fact that I can use it and save 5 cents per gallon at any Walmart gas station. They gave me a fair credit limit when I first signed up, however would like to see an increase in limit sooner than later.
Photo of Sam F.
Mar 2, 2015
I've used the Walmart store card numerous times. It is especially handy in times when you are short on cash. Using it at Walmart, you can ensure you already are receiving the lowest prices around. The only downfall would be that he credit limit is sort of low. Hopefully after some more purchases and paying off the balance they will increase my limit. It would be nice if you were able to use this at other stores or make payments to your balance in store.
Photo of Jessy S.
Feb 27, 2015
I applied to this card and was denied. I can't say that I was surprised because I have a negative credit history but I had heard that Wal-Mart was an easy place to apply. My score right now is 584 and that's a boost from low 300s. When I was younger I ruined my credit with credit cards and now I'm trying to re-establish. I was hopeful to be okay with this card as it lets you finance Wal-Mart items (I go there all the time to save a buck). I thought this because I was approved for Fingerhut and a visa $300 credit card recently. I guess they are more
Photo of Eric H.
Feb 10, 2015
This card can only be used at Walmart, so it's somewhat of a waste.
Photo of Laura B.
Jan 5, 2015
For the $25 credit they say you have to make a purchase the same day you open the account. I did this. I had to call the bank to ask why I havent received the credit which was a 20 minute hold on top of the 15 minute conversation. They tell me the information Walmart sent over was that I didn't make the purchase the same day I opened the account. I pull up my order history and it is in black and white that I did make the purchase the same day. The promo is fradulent, making the customer seek it out afterwards. Horrendous!
Photo of Amy S.
Dec 26, 2014
It is a great card, easy to apply and saved $25 on my first purchase.
Photo of Creg G.
Dec 19, 2014
Even though I received a cl decrease due to missing a few payments, customer service worked with me, never harassing me allowing me to decide when and how much I could afford to pay until account was brought to current status. After account was back positive and after making on-time payments for a few months, I called customer service to request a credit limit increase and they approved it. All the while my credit score was is the mid 500's. That to me is pretty damn awesome service from a pretty damn awesome company. Same experience with JCPenney, but they closed my account within a few months. Yeh, gonna keep more
Photo of Joao C.
Dec 4, 2014
With the Walmart® Store Card I love the fact that I can use the card at any walmart. I love that I can Save 5¢ per gallon every day at participating Walmart® gas stations.
Photo of Dawn S.
Nov 26, 2014
I love my Walmart Store Card. It allows me to make big purchases and pay it off over time. There was a time when we first got the card that our finances fell through for a short period of time, this card made sure that we got what we needed to make it through to our next payment. It has fed, clothed and brought joy to my family with the ability to pay it back over time. Our credit has flourished with this card and we are grateful to Walmart for helping make our tough times a little easier to manage. The monthly payments are very low, in my opinion more
Photo of Nuri L.
Oct 30, 2014
The Walmart Store card is a card that is very convenient and everyone should have. I can shop online and pay via the Walmart website, or go to the local store and use it as well. The best perk for me is the fact that I can use it for gas, and it saves me 5 cents a gallon. The gas is actually getting cheaper, so that makes it so much better. You don’t see it on the spot, but when the statement comes in, it shows the deduction for each gas purchase. The apr is not too bad, and there have been some deals with 0% interest if you more
Photo of Christina F.
Oct 13, 2014
Pros: If you shop at Walmart often, especially at the gas pump, this card is handy. They often offer deferred interest promotions throughout the year. The card is accepted at any Walmart or Sam's Club around the country. They have a secure fee-free website for making payments. You can also make a payment when checking out at the store. I get regular credit limit increases without asking. This is a great card to get (as long as you stay on top of the payments) if you have fair to poor credit, like I did when I got one. It has helped build up my credit and is great to have more
Photo of Ed V.
Aug 15, 2014
This card is fantastic. It's now a discover card, so I can go anywhere to shop with it. I also the the gas discounts it offers.
Photo of Bill W.
Aug 12, 2014
The Wal-Mart card is super convenient to have, and I am glad I signed up for it. It makes shopping their site online and in the store a breeze. They gave me a generous credit limit right off, and if you wish you can only make low monthly payments. Also, it has a cash back feature you can choose in the store if you are ever in a pinch and need some quick cash. Overall I am very pleased with my Wal-Mart credit card and would recommend one to anyone.
Photo of Becca P.
Sep 17, 2014
How much to you annually make a year
Photo of Tina B.
Jul 30, 2014
I like the dills that they have at Walmart
Photo of Stephanie W.
Jul 11, 2014
I love my Wal-Mart card. They have since upgraded it to a discover card so I can use it anywhere. I enjoy being able to use it for fuel and groceries. The interest rate is low and comes in handy if I need something for my baby in a hurry! It's great for gifts since most people can return or exchange things very easily. I also love the added convience of being able to use it anywhere I need to now.
Photo of Jon J.
Jul 11, 2014
Didn't need this card but wanted to buy something priced over $100 and thought I might as well sign up and get the $25 credit.I tried to sign up online and twice got message that they would review and mail answer.Eventually,after a month of waiting they sent the card but no $25 reward.So,not likely I will ever use this card.Wish I hadn't wasted time signing up.
Photo of Carrie O.
Jun 26, 2014
I signed up for this card right after the birth of baby # 2. I wanted a backup incase we needed something in an emergency. The interest rate is low, the minimal payment is low enough that you can actually pay more and not put yourself out. I like the security of knowing that if we ever have an emergency my Wal-Mart card is there to help us out. The cash back feature is nice when you are in a pinch. I am very grateful that I have this card in my wallet! I use it both online and in the store. Thanks Wal-mart!
Photo of Jenny F.
Jun 23, 2014
This card is a great option for someone who needs to get something immediately, but just can't supply the funds! Make sure you pay it off soon, as with any other card. Easy to use and make payments! They're also good about extending your credit limit if you do well.
Photo of Melissa M.
May 26, 2014
I am pleased with the Walmart Store card. We use it mainly for fuel purchases, which often have additional incentives. Currently, with the Walmart store card, you save 15 cents per gallon - a substantial savings considering that Walmart is competitive with fuel prices. Last year, we noticed a charge on our account from a Murphy's outside of Houston, TX. I called customer service who not only took care of this for us, but also found an additional fraudulent charge from the week before. Walmart credited both charges to my account immediately as well as changed the account number and reissued a new card for the account. Top notch service!
Photo of Andrew S.
May 21, 2014
I like to separate my cards for specific uses as it makes accounting easier. The Wal-Mart card is my "go-to" card for groceries and a secondary card for gas while travelling. I found that it is easier to download an app to learn which gas stations are eligible in your area.
Photo of Brenda P.
May 21, 2014
I am very pleased with my WalMart card and also with the services it provides. I needed some extra cash a couple of months ago and was pleased to find out that I could get cash back during a purchase. I also like the fact that I can shop online at the WalMart site and choose whether to have my order shipped to me or pick it up at the store. One great bonus of shopping online is that I don't have to worry about whether or not my local store is out of stock or doesn't carry what I want. I find this particularly helpful since I am disabled more
Photo of Barb N.
Apr 7, 2014
I really needed this credit card last Christmas. I just didn't have enough money to buy good gifts for my older children. But I went online with my WalMart card and bought some great looking long lounge pants and pajamas for both of them, some underwear and some outfits, so they were very happy. I also use my card when I need groceries and I used it for an eye exam and my glasses and my son's contacts. It has been really useful. I have never had a problem with it.
Photo of Vox I.
Mar 18, 2014
It was really easy to get this card. Wal-mart offers a great introductory rate and nearly a location on every other block to use the card at. I also like the gas purchases with this card, saving 10 cents every time i fill up using the card. Overall, the Wal-Mart credit card is a great tool as long as you use it responsibly and stay within your budget. If you're looking to improve your credit score, buy a little something and pay it off at the end of each month, ultimately buying more expensive items and paying them off as quickly as you can. I am glad I got this more
Photo of Stephanie W.
Feb 27, 2014
It was really easy to apply for in store. I didn't get approved immediately, but once my information got straightened out, I got approved for a $500 limit. I decided to apply because I could get $25 back on my statement on a purchase of $75 or more. Since I paid off my balance quickly, I didn't have to pay interest. Great card to have. There were some questions I had, but the representative answered them quickly and was very friendly. I will definitely be keeping this card to build up my credit.
Photo of Bryant M.
Feb 27, 2014
I enjoyed this card very much. When we first used it, it was for a very big purchase and the card gave an introductory rate of 0% for 6 months, which was perfect for us. It allowed my wife and I to pay off the balance while not incurring interest. After the 6 months, we used the card periodically to buy groceries. It only had a limit of $500, which was perfect because it limited over spending and allowed us to keep control of our debt. I would definitely recommend this card to anyone looking to buy something big from Wal-Mart while having 0% for a short time.
Photo of Sean P.
Jan 31, 2014
I really enjoyed having the Walmart Store Card while I had it. If you are going to ensure that you can keep track of your finances this is a great card to have for the cash back rewards for gas. In addition to this the $25 bonus for spending $75 that I was going to spend already was a great boon for getting this card. If you're looking for a card to boost your credit this one is not a bad idea, but I wouldn't keep it for the long term.
Photo of Sofija D.
Jan 31, 2014
I really liked the fact that I could use this card for both items at Walmart and gas. The cash back rewards are what really attracted me to the card in the first place. I'm a frequent walmart shopper and this card has really made my life so much easier. With the 0% interest on purchases, I was able to buy my first ever smart TV, which I am still pleased with today. I also like that I can use the card to make purchases at Walmart's online store. Low fees and a good card. I'd highly recommend it to any frequent Walmart shopper.
Photo of Connie C.
Jan 6, 2014
Although I don't use the rewards feature on this card, I love everything else about it. I was skeptical when the offer was sent to me in the mail, but I decided to give the store card a shot. I'm a frequent shopper at Walmart and this card has saved me so many times. I often use it to make small purchases throughout the month and then pay it off at the end of the month. One of my favorite features is being able to get cash at the register without incurring the cash advance fees like you do with other cards.

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Last updated on: Aug 28th, 2015 at 1:04 EDT

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