Where Can I Use My Walmart Credit Card

You've probably been shopping at Walmart for years, only possibly you've just realized that they have their own credit card. You may be wondering if you should use for the Walmart credit card. We'll tell you how to employ and everything else in that location is to know about the Walmart Mastercard.

The Walmart Credit Cards

Before we get started, let's take a brief look at the Walmart credit cards. Currently, the retailer offers two different cards. One is a store-just carte that can only be used for Walmart purchases. The other carte du jour is issued as a Mastercard and tin be used for making purchases anywhere Mastercard is accustomed. Yous'll earn rewards for purchases made with either carte.

Earning Cashback With the Walmart Credit Bill of fare

All Walmart credit card members are automatically enrolled in the Walmart Rewards Program. This means you'll be earning cashback rewards on every purchase y'all make with either Walmart credit card. You'll get:

5% dorsum on all purchases at Walmart.com, including orders placed online and picked up at Walmart stores. Groceries purchased online and picked up at the store or delivered too receive 5% cash back.
5% dorsum on in-shop purchases when using Walmart Pay for the first 12 months after approval every bit a special introductory offer.
2% dorsum on purchases in Walmart stores, at restaurants and on travel.
i% dorsum on all other purchases, including Sam'due south Order and Sam's Order gas stations.

There is no limit on the amount of rewards you can earn, and they do not elapse while your business relationship is active. But once your account is closed, you will lose any rewards you haven't redeemed.

Current Promotions for the Walmart Credit Carte: 5% Back in Stores with Walmart Pay

If you happen to shop at a Walmart store, make sure yous use your Uppercase One Walmart credit card with Walmart Pay to be able to earn 5% dorsum on your purchases. This offer is valid for the showtime 12 months after approval, so don't miss your chance to salve more.

If you practise not use Walmart Pay, y'all will earn just two% back on purchases at Walmart stores. And when the introductory offering is over, y'all will besides earn 2% back at Walmart stores.

The First Step in Applying for a Walmart Credit Card

In that location are four fast and like shooting fish in a barrel means to utilise for a Walmart credit card:

In store at whatever Walmart register
In store at the Walmart jewelry kiosk
Online at Walmart.com
Via the Walmart mobile app

Applying in Walmart Stores

Apply in Shop at the Register: Bring a valid photo ID plus a current credit card if you lot have one to any register in a Walmart store to speedily apply for the Walmart credit card. The cashier volition input your information into the screen or scan your credit card to retrieve your initial data.

You will then exist asked a series of questions and the application will be submitted. You will either be canonical instantly or exist asked to call in to provide further information.

image shows woman smiling while shopping in walmart

Apply in Store at the Jewelry Kiosk: Present your valid photograph ID at the jewelry kiosk to apply for the Walmart credit card. This is like to applying at any register except y'all'll have more time and perhaps more than privacy.

Applying Online

Apply Online at Walmart.com: You can complete and submit your Walmart credit carte application online.

What You'll Need for the Awarding

All the same you apply, completing the application is simple. You will need to exist prepared to provide certain information, though, including: your full name, date of birth, electric current address, e-mail, phone number, social security number, annual income and another information.

You'll besides have to select a language for your billing statement, whether you lot want paperless billing and make up one's mind whether to reject or purchase the optional credit card protection.

What You Demand to Know Before You Use for the Walmart Card

Before you apply for a Walmart credit card, you should exist aware that Walmart problems ii types of credit cards—the Walmart credit card and the Walmart Mastercard. The application process is the same for both cards, and y'all can't cull which card to apply for – the issuer will approve you for either of the two cards..

The full general target audience for the Walmart credit card is Walmart shoppers with good or excellent credit scores. Customers with little or no credit may be approved for the store-simply Walmart card.

The bottom line is that the in-store Walmart credit carte is easier to become than most credit cards, including the Walmart Mastercard. That tin get in a groovy option for those hoping to build or rebuild their credit history.

Your Credit Score Matters

Prior to applying, you should know your credit score. This is because applicants with higher credit scores are more than likely be canonical for the Walmart Mastercard, which can be used anywhere Mastercard is accustomed.

Those with lower scores may qualify for the Walmart credit menu, which is an affiliated, shop-simply card. Both cards are issued by Upper-case letter One, ane of the major banks in the U.S.

Knowing your credit score in advance can aid you determine your chances of getting approved. You tin use whatever online service to obtain your score.

Which Walmart Card Will Y'all Get?

Applicants with credit scores hovering in the very high 500s have been approved for the Walmart credit menu, and applicants with credit scores in the 600s take gotten the Walmart Mastercard.

With that said, this is just a generalization and non an indication as to whether you'll exist approved. Your numerical credit score is not the merely criteria considered.

Yous'll also desire to read the terms and weather earlier yous use to exist aware of how involvement rates work and the fees that come with the card. This data can be found on the application page. You can too review our guide on how credit card interest works.

Once Yous've Applied

If you lot employ in store at the register or jewelry kiosk and are approved immediately, yous'll receive a shopping pass that allows you to charge on your new credit card immediately. The pass is good for 24 hours at that shop merely.

shows image of super happy young man

If y'all completed a Walmart credit carte du jour application online and are approved, yous will exist able to shop immediately online.

You should receive your physical card in the postal service in approximately 7 to 10 days. If later on 10 days yous accept not received the card, you should phone call credit services at 1-800-227-4825.

If Y'all Are Denied for the Walmart Credit Bill of fare

You lot will receive a letter in the mail stating the reasons for the denial. You should read information technology advisedly and take note because these are areas where your credit could use improvement.

You should also brand sure the reasons for denial are accurate. If not, at that place will be contact information included in the letter of the alphabet for getting that information corrected.

1 last tip: Don't forget the reconsideration line. You can phone call the bill of fare issuer if you lot've been denied and enquire to be reconsidered. Prepare an statement in accelerate laying out the reasons that you should be approved, and give it a shot. It can't hurt!

Using Your Walmart Credit Carte du jour

In one case y'all've applied for the Walmart credit card and take been approved, y'all tin can start using the card. The in-store Walmart credit card earns rewards, and so every qualifying purchase made on the card earns Walmart cashback that you will receive in the form of a argument credit.

Even better, the Walmart credit bill of fare does non accuse an annual fee, so it costs y'all cipher to have the card.

Yous tin can use your Walmart credit carte at:

Walmart Stores
Sam'south Clubs
Walmart Neighborhood Markets
Walmart.com
Murphys U.s. Gas Stations
Walmart Gas Stations

The Walmart Mastercard, if you lot get it, can exist used anywhere Mastercard is accepted.

Questions Before You Apply for a Walmart Credit Card

Where can I use my Walmart credit carte?
You can apply your Walmart credit carte du jour at Walmart Stores, Walmart Super Stores, Sam's Clubs,Walmart Neighborhood Markets,Walmart.com, Murphys United states Gas Stations and Walmart Gas Stations.

The Walmart Mastercard tin can be used anywhere Mastercard is accepted.

How do I sign upwards for the Walmart Rewards Plan?
Once you're approved for the Walmart credit carte du jour, yous volition automatically be enrolled in the Rewards Program. Just use your menu to earn rewards.

How is the Walmart credit bill of fare different from the Walmart Mastercard?
The Walmart credit card can only exist used at Walmart stores and Walmart.com. The Walmart Mastercard tin be used anywhere Mastercard is accepted. The Walmart Mastercard also comes with standard Mastercard benefits.

How long does information technology accept to know if I'm approved for the Walmart credit carte?
No matter how you apply for the Walmart credit card, information technology is possible that you lot volition receive an instant decision as to whether or not you are approved. If you are non canonical instantly, you can check the condition of your application past calling 1-800-227-4825.

Can I make a payment on my Walmart credit menu in the store?
You tin can make a payment on your Walmart credit carte du jour in store at the customer service desk. Your payment will exist posted inside 48 hours. Exist sure to bring your account statement or menu as your account number cannot be looked up in shop.

Walmart Credit Card Alternatives for Poor or No Credit

If your credit history is not quite good enough to apply for the Walmart credit carte du jour, or if you've been denied, a secured card, such as the Platinum credit carte from Capital One, is a good option for a starter menu.

With no annual fee and admission to a college credit limit after you brand your first 5 payments on time, it's a worthy selection for building your credit.

If you choose to apply for a secured card, yous will need to come up up with a refundable deposit which is usually an corporeality equal to your initial credit limit. Perhaps inconvenient, simply information technology is a minor price to pay to help build or rebuild your credit history.

Walmart Credit Card Alternatives for First-class Credit

If your credit score is decent and your credit history is strong, the Blue Greenbacks Everyday menu from American Express, with its $150 sign-up bonus and greenbacks back on every purchase, would be a practiced alternative to the Walmart credit bill of fare.

The Citi^® Double Cash Carte du jour – 18 month BT offer card might be even amend. It offers a full of 2 per centum cash back on all purchases. Yous'll become i percent back when yous make a purchase and one percent more when you pay it off. The carte du jour doesn't accept a bonus offer or a promotional involvement rate on purchases. Nevertheless, it comes without an annual fee and with a hard-to-shell two% back on every purchase.

Some other option for people with splendid credit is the Citi Rewards+^® Card. It comes with a xx,000-indicate welcome bonus. You volition need to spend $1,500 in purchases inside iii months of account opening to qualify for the bonus offering. Nevertheless, it's better than no sign-upward bonus at all like on the Walmart credit card.

The Rewards+ Card will also let you to earn 2x ThankYou points at supermarkets and gas stations for the starting time $six,000 per year so 1x points thereafter. All other purchases will earn ane ThankYou indicate per dollar.

Another good affair almost the Citi Rewards+ Card is 0% intro Apr on purchases for fifteen months and no almanac fee.

Bottom Line: Should You become the Walmart Credit Card?

Unfortunately, neither the Walmart credit carte du jour nor the Walmart Mastercard has received practiced customer reviews.

Ane reason is that if you miss a payment or exercise non follow the terms and weather specifically, the consequences can be harsh and unforgiving. Yous can cease up paying dearly with high interest rates, big tardily fees and a hit to your credit limit.

Still, if you lot tin can keep upwardly with your credit menu payments and often shop at Walmart.com and gas upwardly at Walmart, this carte is a solid selection. It has some good rewards for those purchases, fifty-fifty though information technology does not offer a bonus for in-store Walmart shopping.

If you have a decent credit score, you could fare better with a cashback credit menu that rewards all of your purchases and is accepted at more than just Walmart stores.