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Walmart® Store Card

walmart store card
Required Credit Score:
Fair
3.5 443 reviews   Write a Review
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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.
  • Get a cash advance at the time of purchase.
  • $0 Fraud Liability.
Apply Now
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Walmart® Store Card Reviews

 
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3.4
Overall Rating: 3.4 / 5
Total Ratings: 443
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Mar 18, 2015
Photo of Tracy M.
5
By:
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.
Mar 18, 2015
Photo of Garth C.
2
By:
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.
Mar 13, 2015
Photo of Rebecca V.
5
By:
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.
Mar 5, 2015
Photo of Jennifer A.
5
By:
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.
Mar 2, 2015
Photo of Sam F.
4
By:
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.
Feb 27, 2015
Photo of Jessy S.
2
By:
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
Feb 10, 2015
Photo of Eric H.
1
By:
Feb 10, 2015
This card can only be used at Walmart, so it's somewhat of a waste.
Jan 5, 2015
Photo of Laura B.
1
By:
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!
Dec 26, 2014
Photo of Amy S.
5
By:
Dec 26, 2014
It is a great card, easy to apply and saved $25 on my first purchase.
Dec 19, 2014
Photo of Creg G.
5
By:
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
Dec 4, 2014
Photo of Joao C.
5
By:
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.
Nov 26, 2014
Photo of Dawn S.
5
By:
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
Oct 30, 2014
Photo of Nuri L.
5
By:
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
Oct 13, 2014
Photo of Christina F.
4
By:
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
Aug 15, 2014
Photo of Ed V.
4
By:
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.
Aug 12, 2014
Photo of Bill W.
5
By:
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.
Sep 17, 2014
Photo of Becca P.
Becca Pope
Sep 17, 2014
How much to you annually make a year
Jul 30, 2014
Photo of Tina B.
5
By:
Jul 30, 2014
I like the dills that they have at Walmart
Jul 11, 2014
Photo of Stephanie W.
5
By:
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.
Jul 11, 2014
Photo of Jon J.
2
By:
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.
Jun 26, 2014
Photo of Carrie O.
4
By:
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!
Jun 23, 2014
Photo of Jenny F.
5
By:
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.
May 26, 2014
Photo of Melissa M.
5
By:
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!
May 21, 2014
Photo of Andrew S.
4
By:
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.
May 21, 2014
Photo of Brenda P.
5
By:
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
Apr 7, 2014
Photo of Barb N.
5
By:
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.
Mar 18, 2014
Photo of Vox I.
4
By:
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
Feb 27, 2014
Photo of Stephanie W.
3
By:
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.
Feb 27, 2014
Photo of Bryant M.
4
By:
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.
Jan 31, 2014
Photo of Sean P.
5
By:
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.
Jan 31, 2014
Photo of Sofija D.
4
By:
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.
Jan 6, 2014
Photo of Connie C.
5
By:
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.
Jan 6, 2014
Photo of Steve T.
5
By:
Jan 6, 2014
This card has saved me many hassles when making big purchases online and in store. It has a low payment which helps me to make on time payments and the charge monthly is very affordable to those who live below their means. The card is very convenient to use when you can't make a payment with your debit card right away. My credit limit is very good, and this card helps me maintain my great credit score so that I can always have credit on hand to make future purchases. I love this card very much because Walmart has all things I need and I can always have credit on more
Dec 19, 2013
Photo of Ramy E.
3
By:
Dec 19, 2013
I have had the Walmart Store Card for eight months. I was rejected when I first applied. However, I was still building my credit at that time, while the card seems to be only available to those who have a good credit history. I got the card initially for a limit of 3,000 dollars, which is high when it comes to store cards. Unfortunately, I am not convinced enough with the offers that the card provides. I expected them to be more and better. However, I never had problems using the card, but also I cannot see something special in it. Overall, the card is a fair option for frequent more
Dec 12, 2013
Photo of Kevin S.
5
By:
Dec 12, 2013
I was recently approved for a Walmart Store credit card, and have to admit that I'm a 100% satisfied customer! It really makes it convenient to have a card that I can use for the regular grocery trips that I do. In addition, I also was able to finance a few Christmas presents for my friends and family. I went into the store last week, and was told that the best place to shop for Walmart gifts is online, because they have over a million (MILLION!) products there, while the stores only carry a few hundred thousand items. The Walmart card makes it super easy to buy from the online more
Nov 28, 2013
Photo of Ashley F.
5
By:
Nov 28, 2013
I love this card because I'm always shopping at Walmart anyway for pretty much all of my household needs as well as for stuff for my daughter so it's good that I can get a discount on their gas especially since I'm a working mom who has to use my car a lot. One thing I like is that since I've had the card is that there is no grace period. The monthly payment on the card is pretty low so I don't have to worry about breaking the bank trying to make a payment on the card each month. Overall, the card is pretty convenient especially since the closest more
Nov 17, 2013
Photo of Theshack O.
5
By:
Nov 17, 2013
This is a handy card to have in your wallet. My wife and I have this card and while I rarely go into Walmart, she does often, and she uses this card. It keeps things simple and easy to pay, as well. We live in the midwest and the Walmarts in our area do not have gas pumps so we do not take advantage of the gasoline savings, although, I can see how that is very attractive. We've never had a problem with the Walmart store card, and we do it all online. They send periodic emails that I believe are just for the card members, or at least they more
Nov 16, 2013
Photo of Glenn D.
4
By:
Nov 16, 2013
Walmart is a very convenient place to shop and the ability to have store credit there just makes it better. The convenience of this card allows me to purchase items I normally buy without having to wait on my paycheck to do so, with relative low monthly payments. I had to apply a couple times in order to get it which is the only reason I didn't give it five stars. I live in a very small town so I wish that they were more giving with their credit as it is basically the only store we have, where else would we shop? That's my only grievance is that it more
Nov 13, 2013
Photo of Jesse M.
4
By:
Nov 13, 2013
A few weeks ago, the keyboard on my laptop was giving out. It was practically useless. I do a lot of work online, so this was a problem. I have a Best Buy card where I could purchase a keyboard, but the store is about three miles from the bus stop. There was a Walmart about half a mile in the other direction. I decided to try my luck there. They had something I could use, but I had very limited cash for my purchase and wanted wireless. The sales associate told me he could probably get me approved on the spot for a Walmart store card. I was approved, more
Nov 13, 2013
Photo of James C.
4
By:
Nov 13, 2013
The Walmart store credit card is great because I can make purchases in any walmart that is in the United States. I've have shopped in different walmart stores in United States and I never had problems using this credit card. When I first opened the walmart credit card, I've received 25 dollars when I first made a purchase using the credit card. Also there is no fraud liability fee, unlike in other stores you have to pay a fee for fraud liability. Also it is very easy to make payments online. Overall I am very happy with this card and I will continue to use it in walmart stores.
Nov 8, 2013
Photo of Michael R.
5
By:
Nov 8, 2013
This card is great because it can be used at any Walmart store in the USA and abroad. My favorite aspect of this card is that they give you $25 off of your first purchase of $75 dollars or more, and all you have to do is charge to this card. Another feature that I loved was that Walmart offers 0% fraud liability for free. On most cards you have to pay an annual fee for 0% fraud liability but with the Walmart Store Card any fraudulent charges are covered completely by Walmart. Even though this card has all those great features, that is not the end. This card also more
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Nov 18, 2014
Photo of Carol A.
By:
Nov 18, 2014
How long does it take to recieve your card after being approved ?
Feb 1, 2015
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.
Aug 21, 2014
Photo of Jacquie N.
By:
Aug 21, 2014
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.
Feb 1, 2015
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.
Jan 19, 2014
Photo of Shirley F.
By:
Jan 19, 2014
Will we get a year-end summary of our gas purchases on the Walmart Credit Card?
Feb 7, 2014
Photo of Card H.
Feb 7, 2014
Most issuers provide a year-end summary of your spending and payment habits. Different issuers structure their summaries differently, however, so you'll have to check with GE Money (the issuer of the Walmart card) to see if gas purchases will be broken out.
Jul 19, 2013
Photo of Melissa C.
By:
Jul 19, 2013
I have a very simple question, I rephrased and googled a hundred times and asked the workers at walmart I don't understand why there is no answer anywhere lol. anyway, my question is: Walmart Discover credit card limit one cash advance up to $100 per day, does that "per day" mean a full 24 hour period or does it count like 12 hour am/pm kinda thing?
Jul 19, 2013
Photo of Card H.
Jul 19, 2013
You'll have to call Walmart's Credit Card Customer Service to get an answer to that question unfortunately. They can be reached at: 877-294-7880

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Last updated on: Apr 17th, 2015 at 6:22 EDT