Apply For A Walmart Credit Card

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Walmart is one of the world’s largest retailers. It’s a go-to store for groceries and other household items. The Walmart credit card is simple to use, easy to apply for and is quite handy for customers who frequently shop at Walmart.

The retail giant offers two types of credit cards:

  • Walmart Store Credit Card

  • Walmart Master Card

The Walmart Store Credit Card can be used for purchases only in:


  • Walmart stores and super-centers

  • Neighborhood markets

  • Walmart and Murphy USA Gas Stations

  • Sam's Clubs

The Walmart Master Card can be used in any place where MasterCard is accepted. The credit card can be applied for online or in the Walmart store.

Applying for a Walmart Credit Card


If you want to apply for the Walmart Store Credit Card or the Walmart Master Card, you should visit the website of Walmart. All that you need to do is to click on the “Apply Now” link on the website.

Create a new Walmart account or log in to your existing account. After you have completed the sign-in process you should provide the following information.  

  • Name

  • Address

  • Phone number

  • Email address

  • Yearly income

  • Monthly mortgage or rent payment

  • Duration of residence at current home  

  • Date of birth

  • Social security number

  • Mother’s maiden name

  • Driver’s license

You’ll also have to specify if you own a home or rent. The details will help do a credit check.


The credit card can be applied at any Walmart physical store. You’ll need your current credit card and government-approved identification. Customers who don’t have a credit card will be able to apply through the Walmart jewelry department.

If the credit card application is done through a jewelry kiosk or store register, the customer receives a temporary shopping pass. The pass is good for only twenty-four hours at the shop where the credit card application was made.

Checking the Status of the Walmart Credit Card Application

The customer will need to call the Walmart credit services to know the status of the credit card application. If the application is approved, the credit card is received within 7 – 10 business days.

If the credit card doesn’t arrive within ten days after approval, the customer is requested to contact the customer service representative at Walmart.

Benefits of Applying for a Walmart Credit Card

The Walmart Store Credit Card and Walmart Master Card offer specific benefits to the customer. The benefits include:

Cash Back Program

Both Walmart Store Credit Card and Walmart Master Card enroll customers in the Walmart reward program. The 3-2-1 save cash back program offers cashback on daily purchases.

  • 3% cash back on purchases made at The offer is available on purchases made through the mobile app too.

  • 2% cash back on fuel purchases made through Walmart and Murphy USA gas stations. Fuel purchases made at Murphy Express are not included in the offer.

  • 1% cash back on all other purchases. This includes purchases made at Walmart physical stores, Neighborhood Markets, and Sam's Club. The cash back offer is available at all places that accept MasterCard.

The rewards are given to shoppers as monthly statement credits. The amount of rewards that the shoppers can earn each month has no limits. The rewards don’t expire as long as the account is in good standing.

Sign Up Bonus

Both Walmart Store Credit Card and Walmart Master Card provide a sign-up bonus of $25. The statement credit is available if shoppers spend $75 on a Walmart purchase. The spend should be done within twenty-four hours of opening the account.

No Annual Fee

No annual fee is charged on either credit card.


Shoppers with poor credit score will still be able to qualify and apply for the Walmart credit card. Shoppers with a credit score of 550 also get quick approval.

If you are applying for the Walmart Master Card, you will need a credit score of at least 660. This is considered a good credit score to apply for a MasterCard.

Special In-Store Financing Offers

Special promotional financing offers are available to shoppers who make large purchases. An interest-free grace period is given to the cardholders to pay off the balance. The term will vary based on the specific amount of the purchase.

Managing and Paying the Walmart Credit Card Account

The Walmart credit card can be paid in the following ways:

  • Online

  • By phone and mail

  • e-Payment

  • In a store

  • Using CheckFree

The balance can be checked by signing into your credit card account. A credit limit increase or decrease can be requested by the shopper. The Walmart credit card is a great option for emergency shopping.

Tips to Get Walmart Credit Card Instant Approval

  • Instant approval of Walmart credit card is possible if the application had been made in-store or online. It is important to remember that instant approval is not guaranteed.

  • The shopper should meet the basic requirements that have been specified. Shoppers applying for the card online or in-store should be at least 18 years of age.

  • The credit score should be checked before making the application. A score of at least 660 improves the chances of approval.

It is advisable to review the credit reports before applying for the card. If there are any disputes, the shopper should dispute them. This will improve the credit score.

The credit reports should be kept open. If there is a freeze on the credit reports, it should be temporarily lifted. This will help complete the application process.

If you shop often at Walmart, the credit cards will enable you to earn rewards on each purchase. This will help save a lot of money. The interest rates are also competitive. The credit limit assigned to the card will vary and depend on the requirements.

Applying for the Walmart credit card is quite easy. It takes only a few minutes to complete the process online. Applying for the credit card in-store is also an easy process.