Walmart Credit Card - How to Apply Online

The Walmart Credit Card offers a simple way to earn rewards on everyday purchases, especially when shopping at Walmart.

With options for both in-store and online use, it’s designed to give you savings and flexibility.

In this article, you’ll learn how to apply online quickly and what you need to start.

Types of Walmart Credit Cards

Here are the two main types of Walmart credit cards you can apply for. Each has different features depending on how and where you plan to use it.

Walmart Rewards Card (Store Card)

It can only be used at Walmart stores, Walmart.com, and affiliated fuel stations.
It offers 5% cashback on Walmart.com purchases, including grocery pickup and delivery.
2% cashback at Walmart stores when using Walmart Pay (for the first 12 months).
It is not valid for use at non-Walmart locations.

Walmart Rewards Mastercard

Can be used anywhere Mastercard is accepted.
5% cashback on Walmart.com purchases.
2% cashback at Walmart stores, restaurants, and travel.
1% cashback on all other purchases outside Walmart.
Includes benefits for both in-store and online purchases.

Key Benefits of Walmart Credit Cards

Here are the key benefits you can get with a Walmart credit card. These perks are designed to help you save more when you shop at Walmart and online.

5% cashback at Walmart.com, including grocery pickup and delivery.
2% cashback at Walmart stores, fuel stations, restaurants, and travel (Mastercard only).
1% cashback everywhere else Mastercard is accepted (for Walmart Rewards Mastercard).
Introductory 5% cashback in-store when using Walmart Pay for the first 12 months.
No annual fee for both card options.
Flexible rewards redemption for statement credits, travel, gift cards, or at checkout on Walmart.com.
Special financing offers may be available for larger purchases.

Interest Rates and Fees

Here are the key interest rates and fees associated with Walmart credit cards.

Understanding these details can help you manage your card effectively and avoid unnecessary charges.

Annual Fee: $0 for both Walmart Rewards Card and Walmart Rewards Mastercard.
Purchase APR: 29.99% variable, based on the Prime Rate.
Cash Advance APR: 29.99% variable (Mastercard only).
Minimum Interest Charge: No less than $1.00 if interest is charged.
Late Payment Fee: Up to $35, depending on card type.
Cash Advance Fee: $5 or 3% of the amount, whichever is greater (Mastercard only).
Foreign Transaction Fee: 3% of each transaction (Mastercard only).

Eligibility Requirements

You must meet specific eligibility requirements to apply for a Walmart credit card.

These criteria help determine your likelihood of approval and ensure responsible credit management.

Credit Score: A credit score of at least 640 is usually needed for the Walmart Rewards Card and 670+ for the Mastercard.
Income: Your monthly income should exceed your housing expenses by at least $425 to demonstrate the ability to manage monthly payments.
Identification: A valid Social Security Number (SSN) or Tax Identification Number (TIN) is necessary for identity verification.
Residency: You must have a physical U.S. address; P.O. boxes are not accepted.
Credit History: A positive credit history without recent delinquencies or defaults increases approval chances.
Age: Applicants must be at least 18 years old.

What You Need Before Applying

Have the necessary information and documents ready before applying for a Walmart credit card.

This preparation can streamline the application process and increase your chances of approval.

Personal Information: Full legal name, date of birth, and a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Contact Details: A physical U.S. address (P.O. boxes are not accepted) and a working phone number.
Employment and Income Details: Current employment status, employer’s name, and your total annual income.
Housing Information: Monthly rent or mortgage payment amounts.
Financial Information: Details about your bank accounts, including balances and types of accounts.

Step-by-Step: How to Apply Online

The online application process is straightforward. Here’s a step-by-step guide to help you through the process:

Visit the official website: Start your application on the Walmart Credit Card page.
Choose Your Card: Depending on your shopping habits, choose between the Walmart Rewards Card and the Walmart Rewards Mastercard.
Click “Apply Now”: Select the “Apply Now” button to begin the application process.
Fill Out the Application Form: Provide your personal information, including your full name, address, Social Security Number, and income details.
Review and Submit: Double-check all entered information for accuracy, then submit your application.
Await Approval Decision: You may receive an instant decision. If approved, you might get a temporary card number to use immediately.
Receive Your Physical Card: If approved, your physical card will arrive by mail within 7–10 business days.

Checking Application Status

If you’ve already applied for a Walmart credit card, you can easily check your application status online or by phone.

Here’s how to stay updated on your application:

Online: Visit the Capital One application status page and log in with your details to view the current status.
By Phone: Call 1-800-903-9177 to check your application status with a representative.
Wait Time: Most decisions are instant, but some may take 7–10 business days.
Mail Notification: You’ll receive a letter with further instructions if more time is needed.

Tips to Improve Your Approval Chances

A few simple steps can greatly increase your chances of being approved for a Walmart credit card.

Here are practical tips to help you prepare before applying:

Check Your Credit Score: Make sure your score meets the minimum requirement (60+ for Store Card, 670+ for Mastercard).
Pay Down Existing Debt: Lower your credit utilization to show better financial responsibility.
Review Your Credit Report: Look for any errors or negative marks that could affect your application.
Avoid Multiple Credit Applications: Too many recent inquiries can lower your score and raise red flags.
Provide Accurate Information: Double-check your personal and financial details before submitting your application.
Show Consistent Income: A steady income can boost your approval odds, especially if your expenses are manageable.

Walmart Credit Card vs. Other Retail Cards

If you’re considering a Walmart credit card, comparing it with similar retail cards is useful.

Here’s a quick breakdown of how it stacks up against other popular options:

Walmart Credit Card: 5% cashback on Walmart.com, 2% at Walmart stores (Mastercard), and no annual fee.
Target REDcard: 5% off on all purchases, extended return period, and free shipping on most items.
Amazon Store Card: 5% cashback for Amazon Prime members, special financing options, and exclusive Prime offers.
Best Buy Credit Card: 5%–6% rewards on Best Buy purchases, flexible financing plans, but may have an annual fee depending on card type.
Costco Anywhere Visa® Card by Citi: 4% cashback on gas, 3% on dining and travel, 2% at Costco, and 1% everywhere else—requires Costco membership.

Contact and Customer Service Info

If you need assistance with your Walmart credit card, here are the key contact details to help you connect with customer service:

General Inquiries Phone Number: Call 1-877-294-7880 for questions about your Walmart credit card, billing, rewards, or account issues.
Card Activation: Dial 1-866-888-3868 to activate your new card.
Mailing Address for General Correspondence: Capital One, P.O. Box 30285, Salt Lake City, UT 84130-0285

The Bottomline

The Walmart credit card offers valuable rewards and savings, especially for frequent shoppers.

Applying online is quick and easy if you meet the basic requirements and have your information ready.

Start your application today to take advantage of exclusive benefits and cashback offers.

Disclaimer

The information in this article is for general guidance only and may change without notice.

Before applying, refer to the official Walmart or Capital One website for current terms, rates, and conditions.