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Walmart® Store Card

walmart store card
Required Credit Score: Excellent, Good, Fair
3.5 382 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
  • 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 December 31, 2014.
  • 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.
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Walmart® Store Card Reviews

 
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3.4
Overall Rating: 3.4 / 5
Total Ratings: 382
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Oct 13, 2014
Photo of Christina F.
4
By:
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:
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:
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
How much to you annually make a year
Jul 30, 2014
Photo of Tina B.
5
By:
I like the dills that they have at Walmart
Jul 11, 2014
Photo of Stephanie W.
5
By:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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:
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
Nov 5, 2013
Photo of Lowtoner C.
5
By:
Awesome card. I've had this card for 2 years now and I absolutely love it. First off, when I first got it I was given 6 months to pay off all purchases with no interest which was great. Another perk is that every month on the 10th day I get to view my Fico score totally free of charge. Additionally (although I myself do not make use of this), you can get cash back at check out and rewards on petrol. I have also received regular credit increases without having to submit a request! I highly recommend the Walmart credit card.
Nov 2, 2013
Photo of Kathy S.
4
By:
I've only had my Walmart Credit Card a few months, but it's really come in handy. When my son started high school in August, I found out that he needed an Ipad. I thought he would be able to rent one from the school, but it costs $200 per year to rent one and about $400 to purchase one, which he will need for all 4 years of high school. I wanted to buy one but didn't have the cash, so I remembered that Walmart had a credit card available. I went to Walmart, was asked just a few personal questions, and was approved on the spot for $1600. We more
Oct 31, 2013
Photo of Pee S.
4
By:
My mom and I both received a Wal-mart credit card one day in the mail that neither of us had applied for. It has a very low limit on it. $75. I noticed how high the interest rate was at 22.9%, but it didn't have an annual fee, so I decided to keep it. I charged it up and paid it off every month and they moved my limit up to $250 pretty quickly and I never had to ask for that either. The gas rewards never did me any good because where I lived there was no close Wal-mart gas station.
Oct 16, 2013
Photo of Somer A.
4
By:
I have had a Walmart store card for about a year now and I love it. I use it on a monthly basis for basic purchases. It is so convenient and easy to use at the register. I love that even though the interest rate is somewhat higher than most cards I haven’t had to pay that yet since I’ve had the card interest free. It’s not as appealing as some other cards that offer rewards on purchases but it does have its perks when it offers interest free for a period of time. If I was asked if I recommended this card to a friend or family member I more
Oct 14, 2013
Photo of Dolores S.
4
By:
have had a Walmart store credit card for about 2 years. I only use it when I have to because the interest rate is higher than I like which is one negative thing. I do, however, think it is convenient. I have made an online purchase for pick up at my local store and put it on my Walmart card. When I got to the store to pick up my item, I did not have get out my card. They make that process simple. I know that they have special financing on certain items especially during the holidays but I have never taken advantage of that. The minimum payments are more
Oct 10, 2013
Photo of Phil S.
4
By:
I love my walmart credit card. It easy to use from everyday items to special occasion items. I can use it online or at the store. I like that I can also get cash back. I can see what my purchased item are by logging into their website and can pay my bill at the same time. I also like that my statements can sent electronic. Their customer service is great. Everyone I talk to has been nice and helpful. Overall I give this card 4 stars, it would be five if they could make the rates a lot lower that would help more people use it.
Oct 6, 2013
Photo of Sarah H.
2
By:
I have had a Walmart Store Credit Card for over five years now. I first applied and was approved for the credit card when I lived in the Tucson, Arizona, area. Tucson has well over five Walmarts including one that has a gas station. I found using the Credit Card to make gas purchases at the gas station located at Walmart was very beneficial as you receive .05 off the purchase of gas. Walmart gas stations are usually already one of the lower priced gas stations in the area. So to receive a further .05 off was usually well worth it. I now no longer live in a major metropolitan more
Sep 26, 2013
Photo of Linda D.
4
By:
I got my Walmart credit card about four years ago. I filled out the application in the store, and the sales person got it approved on the spot. The got it because Walmart had a good deal on a Compaq laptop with the 18 month deferred payment plan, at no interest if payed off before the end of the 18 month term. I paid the laptop off at the end of the 18 months and didn't pay any interest on it. It was a great deal. My initial credit limit was around $800, and Walmart continued to give me increases over time. Now I have a $2600 limit. I'm self-employed more
Sep 23, 2013
Photo of Nicole L.
4
By:
I've had this card for a long time. I like the card because Walmart allows you to request an increase on your credit line every three months. I started off around $700 and now I'm at $3,000. I like that you can get up to $60 cash back on a purchase and it's treated the same as a regular purchase interest wise, and not treated like a cash advance. Interest rates are typical for a store card. Their website is convenient and easy to use. I think this is a decent card, especially for someone just starting off or trying to rebuild their credit. I would recommend the card.
Sep 18, 2013
Photo of Billy M.
5
By:
I have had this card for several months now.My favorite thing about this credit card is my ability to save money on gas with it.With this card i save five cents or sometimes even fifteen cents per gallon every time i get gas at the Murphy USA gas stations which are usually found anywhere you find a Wal-Mart.The credit limit on my card is $500 and i doubt i would ever max it out because gas is the only thing i plan on using it for.I can even use it to get cash in the store if i ever needed to which is nice to know.I would recommend this card more
Sep 13, 2013
Photo of Alicia F.
5
By:
I just got this credit card a few months ago, and like it so far. When you apply online, the card gets attached to your account immediately so you can make purchases. I got approved for a $400 limit right off the bat. It's not the highest limit, but I use it to put my groceries on it every week to keep my credit balance rolling. The interest doesn't bother me, because I pay the card off every month, but the APR is about average for a store card anyway. I haven't had to call customer service, so I can't review that, but overall I have had a good experience more
Sep 6, 2013
Photo of Tiffany M.
4
By:
I have had the Wal-Mart Credit Card for almost a year now and I like it for the most part. The $20 bonus for signing up was helpful and saved me money on a big purchase I was making. The best part about the card is that it helps you save money on gas. Usually you can save at least $0.05 to the gallon but often times they will do a promotion where you can save as much as $0.15 to the gallon. Gas is so expensive right and it's helpful to get discounts where you can. Another nice feature is that there is no over limit fee. As long more
Sep 5, 2013
Photo of Hope L.
5
By:
I have recently applied for a Walmart Store Card and was approved instantly. One of the main reasons I use this card is to buy groceries, and then I pay it off with my paycheck. I shop at Walmart on a regular basis because it is convenient and the store is only two minutes away. I love the fact that I can get five cents off a gallon of gas since the gas prices are so expensive today. I am able to use my store card online as well if needed. I would recommend this card to all of my friends and family!
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Aug 21, 2014
Photo of Jacquie N.
By: Jacquie Nelson
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.
Jan 19, 2014
Photo of Shirley F.
By: Shirley Faine
Will we get a year-end summary of our gas purchases on the Walmart Credit Card?
Feb 7, 2014
Photo of Card H.
Card Hub
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: Melissa Kate Campbell
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.
Card Hub
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: Oct 13th, 2014 at 11:45 EDT