The Walmart Credit Card offers a convenient way to earn rewards on your everyday shopping, especially if you frequently buy from Walmart stores or online.
With options available through Capital One, you can choose a card that fits your spending habits.
Here’s how you can apply online in just a few simple steps.
Types of Walmart Credit Cards
Walmart previously offered two main types of credit cards through Capital One, each with distinct features:
Capital One® Walmart Rewards™ Mastercard®
- Usable Anywhere: Accepted wherever Mastercard is accepted.
- Rewards Structure:
- 5% cash back on Walmart.com purchases, including grocery pickup and delivery.
- 2% cash back at Walmart stores, Murphy USA, and Walmart fuel stations, restaurants, and travel.
- 1% cash back on all other purchases.
- Introductory Offer: 5% cash back on in-store purchases when using Walmart Pay for the first 12 months after approval.
- Annual Fee: None.
- Redemption Options: Statement credits, recent purchases, gift cards, travel, and during online checkout at Walmart.com.
- Additional Benefits: $0 fraud liability, card lock, and security alerts.
Walmart® Store Card
- Usable At: Walmart stores, Walmart.com, Sam’s Club, and affiliated gas stations.
- Rewards Structure:
- 5% cash back on Walmart.com and Walmart app purchases.
- 2% cash back at Walmart stores and Walmart & Murphy USA fuel stations.
- 1% cash back at Sam’s Club and Sam’s Club-branded gas stations.
- Introductory Offer: 5% cash back on in-store purchases when using Walmart Pay for the first 12 months after approval.
- Annual Fee: None.
- Redemption Options: Statement credits, recent purchases, and gift cards.
Key Features and Benefits
If you’re considering a Walmart credit card, it’s helpful to know the main benefits that come with it. Here’s a simplified list of key features:
- No annual fee.
- 5% cashback on Walmart.com and Walmart app purchases.
- 5% cashback in-store for 12 months when using Walmart Pay.
- Redeem rewards for statement credits, gift cards, travel, or purchases.
- $0 fraud liability and card lock for added security.
- The Mastercard version is accepted everywhere Mastercard is accepted.
- Store cards are usable only at Walmart, Sam’s Club, and affiliated gas stations.
Interest Rates and Fees
When considering a Walmart credit card, it’s crucial to understand the associated interest rates and fees.
Here’s a breakdown of the key financial details for both the Capital One® Walmart Rewards™ Mastercard® and the Walmart® Store Card:
Capital One® Walmart Rewards™ Mastercard®
- Annual Fee: $0
- Purchase APR: Variable, ranging from 19.48% to 29.99%, depending on creditworthiness
- Cash Advance APR: 29.99% variable
- Cash Advance Fee: 3% of the amount, with a minimum of $3
- Foreign Transaction Fee: None
- Balance Transfer Fee: $0 at the transfer APR; 3% of each transferred balance at a promotional APR that Capital One may offer
- Late Payment Fee: Up to $8
- Grace Period: At least 25 days after the close of each billing cycle
Walmart® Store Card
- Annual Fee: $0
- Purchase APR: 29.99% variable
- Cash Advance APR: Not applicable (cash advances not permitted)
- Cash Advance Fee: Not applicable
- Foreign Transaction Fee: Not applicable (card use limited to Walmart and affiliated stores)
- Balance Transfer Fee: Not applicable
- Late Payment Fee: Up to $39
- Grace Period: At least 25 days after the close of each billing cycle
Eligibility Requirements
To be eligible for a Walmart credit card, you must meet specific criteria assessing your creditworthiness and financial stability.
These requirements help determine your likelihood of approval and ensure responsible credit use.
- Credit Score: You typically need a 640 credit score for the Walmart Mastercard®, or 580 for the Store Card.
- Income: Your monthly income should exceed your housing expenses by at least $425 to demonstrate repayment ability.
- Residency: You must have a valid Social Security Number or Tax ID and a physical U.S. address.
- Credit History: A history of responsible credit use, including on-time payments and manageable debt levels, increases the chances of approval.
- Application Frequency: Avoid applying for multiple Capital One credit cards within 30 days, as this negatively impacts your approval odds.
What You Need Before Applying
Before applying for a Walmart credit card, ensure you have the necessary details ready.
This helps speed up the process and avoids errors during the application. Here’s what you need to prepare:
- Full legal name and date of birth
- Social Security Number or Tax ID
- U.S. residential address
- Email address and phone number
- Employment status and total annual income
- Monthly housing or rent payment amount
- Financial account details (optional but may help with verification)
Step-by-Step Application Process (Online)
Applying for a Walmart credit card online is quick and straightforward. Here’s a step-by-step guide to help you complete the process with ease:
- Go to the official Walmart credit card page – Open the Walmart app or search for the Walmart credit card on the official Capital One website.
- Choose your card type – Select either the Walmart Rewards Mastercard® or the Walmart Store Card.
- Click “Apply Now” – This will take you to Capital One’s secure application form.
- Fill out the form – Enter your personal, financial, and contact information.
- Review and submit – Double-check your details and agree to the terms.
- Wait for approval – Most applications get an instant decision; some may take longer.
- Start using your card – If approved, you can use the card immediately for online purchases.
Checking Application Status
After you apply for a Walmart credit card, check the status of your application. Here’s how you can do that quickly and easily:
- Online: To check your progress, go to the Capital One website, log in, or use the application status page.
- By Phone: Call Capital One’s application status line at 1-800-903-9177.
- Email Notifications: Keep an eye on your inbox for updates from Capital One regarding approval or additional steps.
- Mail Notification: If your application is under review, you might receive a decision letter by mail within 7–10 business days.
Tips to Improve Approval Chances
To boost your chances of getting approved for a Walmart credit card, it’s smart to prepare ahead. Here are a few tips that can help strengthen your application:
- Check your credit score before applying to ensure it meets the minimum requirement.
- Pay down existing debt to lower your credit utilization ratio.
- Avoid applying for multiple credit cards within a short period.
- Review your credit report for errors and dispute any inaccuracies.
- Provide accurate and complete information on your application.
- Show stable income to demonstrate your ability to repay.
Customer Support Info
If you need help with your Walmart credit card, here are the main customer support options and contact details:
- Capital One Walmart Credit Card Support: 1-877-860-1250 (24/7 support)
- General Capital One Credit Card Assistance: 1-800-227-4825 (1-800-CAPITAL)
- Mailing Address for Payments: Capital One, Attn: Payment Processing, PO Box 71083, Charlotte, NC 28272-1083
- Walmart Customer Service: 1-800-925-6278 (1-800-WALMART)
The Bottomline
Getting a Walmart credit card can be a wise choice if you shop there often and want to earn rewards.
With no annual fee and a simple online application process, it’s easy to get started.
Take the next step and apply today to start saving on your everyday purchases.
Disclaimer
This article’s rates, terms, and offers may change without notice.
Before applying, please check with Walmart or Capital One for the most current information.