Apply For A Walmart Credit Card

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8 minutes read

Category: Credit Cards
Posted on: 01/03/2019
A man hands his credit card to a cashier in the checkout line of a grocery store

Walmart is one of the world’s largest retailers. It’s a go-to store for groceries and other household items. Walmart offers a credit card that is 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 MasterCard

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


  • Walmart stores and super-centers

  • Neighborhood markets

  • Walmart and Murphy USA Gas Stations

  • Sam's Clubs

The Walmart MasterCard can be used in any place where MasterCard is accepted. You can apply for this credit card online or in a 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 can do so right on Walmart’s website. All that you need to do is 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’ll be asked to 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 be necessary for a credit check.


You can also apply for a Walmart Credit Card at any Walmart store. You’ll need a 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 store where the credit card application was made.

Checking the Status of Your Walmart Credit Card Application

To check on the status of your application, you will need to call Walmart credit services. If your application is approved, the credit card should be received within 7 – 10 business days.

If your credit card doesn’t arrive within ten days after approval, contact the customer service representatives 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. These benefits include:

Cash Back Program

Both the Walmart Store Credit Card and Walmart Master Card enroll customers in the Walmart reward program. The 3-2-1 save cash back program offers cash back 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 aren’t 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.

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

Sign Up Bonus

Both the Walmart Store Credit Card and Walmart Master Card offer a sign-up bonus of $25. This statement credit is available if shoppers spend $75 on a Walmart purchase. This 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 a poor credit score will still be able to qualify and apply for the Walmart credit card. Shoppers with a credit score of 550 or higher also get a quick approval.

If you’re applying for the Walmart Master Card, you’ll 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 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

You can check your credit card balance 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 for a Walmart credit card is possible if the application had been made in-store or online. It’s 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

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

It’s advisable to review the credit reports before applying for one of these cards. If there are any disputes, the shopper should dispute them. This will improve your credit score.

Your credit reports should be kept open. If there’s a freeze on your credit report, 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 a Walmart credit card is quite easy. It takes only a few minutes to complete the process online. Applying for the card in-store is also an easy process.

Finance Guru

Finance Guru