Walmart® Credit Card

For no annual fee, the Walmart Credit Card provides 3% cash back at, and 2% back at Walmart and Murphy USA gas stations. Only 1% cash back is provided for in-store Walmart purchases.

Some cardholders may receive special financing offers, either zero-interest or deferred interest.

To pay your bill or manage your account online, login to this website.

You may want a different card instead

This is a store-branded card with lots of bad reviews. You may be able to get better rewards and terms with a cash back credit card that isn't for a specific store.

Cash Back Cards

Where can I use my Walmart® Credit Card?

The Walmart Credit Card can only be used at these locations:

  • Walmart Stores
  • Walmart Supercenters
  • Walmart gas stations
  • Murphy USA gas stations
  • Neighborhood Markets
  • Sam’s Clubs (active Sam’s Club membership required)

If you’re looking for a card you can use at Walmart and everywhere else you shop, check out the Walmart Mastercard.

Check out our review and comparison of both of these cards in our Review of the Walmart Credit Card and Walmart Mastercard.

Was this helpful?

Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


Quick View

Quick View

  • Rewards
    • 3% cash back at
    • 2% cash back on fuel at Walmart gas stations and Murphy USA gas stations (excluding Murphy Express)
    • 1% cash back everywhere else
  • Signup Bonus $25 statement credit after spending at least $25 at Walmart within the first 24 hours of account opening
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee N/A
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR N/A
  • Cash Advance APR N/A
  • Penalty APR See Terms
  • Late Fee Up to $38
  • Returned Payment Fee See Terms

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Free FICO® Credit Score

    Access your credit score online at any time.

  • Interest Free Financing Offers

    Cardholders may get offers for 6, 12, 18, 0r 24 months at no interest for certain purchases.

  • Deferred Interest Financing Offers

    Cardholders may get deferred interest offers for 6, 12, 18, or 24 months. If the balance is not paid in full by the end, interest is charged all the way back to the purchase date.


  • Fraud Protection

    You will not be held responsible for unauthorized charges made on your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 31 reviews
by Melissa
Never had a card like it.

I used this card for weekly grocery runs and paid it off with weekly pay check. Now it is saying I have $20 limit. I have never had a card like this before. Also, customer service lacks and they don’t know what they are doing.

by Disgruntled
Liars and cheats

Customer service sucks. They won’t help you when you try to cancelled payment, said it was cancelled. Now I’m overwithdrawn at the bank. Cause they can’t hire people to do their job.

by Travis

They will let you sign up for the card, but they won't let you make the purchase needed to get the 25$... They would not give me the security code to make the purchase online. Syncrony bank nor walmart would give me the code. the walmart credit people were gone for the day...

by PJ
Big fat ZERO!!!

This card is awful!! The interest rate is ridiculously high!!! Customer service sucks!

by V. June James
Interest Rate

I absolutely love Walmart and have a Walmart MC. However the interest rate is much too high.

Page 1 of 7:

The Insider

Susan Shain
Can You Pay Rent With Credit Cards? Is It Smart?
Susan Shain | Jul 18, 2018

If you want to get something out of paying your rent every month besides a place to live, you may want to pay rent with credit cards. We'll teach you how.

Read More
Brendan Harkness
Review of the L.L.Bean Mastercard
Brendan Harkness | Jul 18, 2018

The L.L.Bean Mastercard is popular for its benefits and rewards at L.L.Bean, but is it worth adding to your wallet? Read our review to find out.

Read More
Susan Shain
The Surprising Truth About APR vs. Interest Rate for Credit Cards
Susan Shain | Jul 11, 2018

How do issuers calculate their APR vs. interest rate for credit cards? The answer may surprise you. Find out what's important when looking at APRs.

Read More