Walmart® Credit Card

Walmart® Credit Card

For People with
Fair Credit



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.

Card Quick Facts

Card Quick Facts

  • 3% cash back at
  • 2% cash back at Walmart and Murphy USA gas stations
  • 1% cash back everywhere else
  • Special financing offers for 6, 12, 18, or 24 months
  • No annual fee
  • Fraud protection
  • Free FICO Credit Score
Walmart® Credit Card

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 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
How to Redeem

Introductory Bonus

  • $25 statement credit after spending at least $25 at Walmart within the first 24 hours of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.15% Variable
Intro Purchase APR -
Foreign Transaction Fee N/A
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR N/A
Cash Advance Fee N/A

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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:  
 43 reviews
by Stephen Bellacera
BALANCE INS (Beware!!!)

Just so you know when you get this card you automatically opt in to Balance insurance which shows up on your statement as BALANCE INS. If you see this, your getting charged basically double interest because good luck using this insurance when you do lose your job. total scam!

by Tanya gonzales
Holding credit card payments for 7-14 days

I have payed my credit card in full every month. The last 4 months i have payed my account and walmart has taken my payment from my checking account , plus froze my account for 7-14 days, and they have held my payment after posting while continuing to charge interest on purchases i have already paid off, plus collecting interest on my 400.00 payment to them. I have always paid before due date and always paid my account in full each month. I have spoke to several represenatives from credit and they have lied each time about reasons for holding my payments. I do not recommend this credit card to any one because they are not being completely honest and they are abusing the trust of their customers. I will pay this off and will no long be using this credit card nor will i be shopping at walmart in the future. CHEATING CREDIT CARD CONSUMERS. DO NOT SIGN UP FOR THIS CARD.

by James Jones
Animated system sucks

I wish it could be Zero Stars i hate this card as soon as get money to pay it off i will cancel this card. The animated system is never right i've been paying the wrong amount for last 4 months they never call to we see you been paying the wrong amount. Because of 10 bucks i was hit with late fee's because the animated system has been giving the wrong amount due. 😠😠😠😠😤

by Jerrie Parker
Walmart credit card

Wish I could give it a negative 5 they closed my account after 1 year and 3 months of never missing one payment always paid the full balance off. Never again would I trust them.

by Vickie Erdmann
Don't Use This Company - Synchrony

I paid off my credit card balance in full and they closed my account because I wasn't "credit worthy". They were okay with keeping my account opened while I had a balance but when there is no interest going to them they decide to drop me. Avoid this card if you can !!

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