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:  
 54 reviews
by Jon

I have been with them for 5+ years, spent many thousands of dollars on it. My limit was up to $8000, I owed them nothing, my balance was zero and they dropped my limit down to $1700 because I have not used it in a year. I have perfect credit and I’m not sure who’s running their business but they need another CEO. They run off customers that have been PERFECT customers for them! This dropped my credit score a few points because of this low class, rinkydinky credit card. I’m so mad, I told them to close my account out and I will not even shop there anymore.

by Amanda Thrasher
Lower limit unexpectedly

My credit is great untill they unexpectedly lower my limit! Was at 900 with a balance of 205 and they lower without proper notification that they lowered to 220 limit which seriously impacted my credit. I am paying it off and cancelling this card! I do not recommend this card to anyone who cares about their credit at all! And I pay twice a month more that minimum and never ever been late on any credit card ever!!!!

by Spencer B
They will unexpected LOWER LIMITS

I had my card for 2 years and always paid on time. I had a $800 balance with $2800 credit line and they lowered my limit to $1000 unexpectedly out of the blue. They said they ran a new credit report and made a decision to lower my limit. This obviously has HUGE impact on my credit utilization and lowered my FICO score. Needless to say I am paying this card off and never using it again.

by Ken
Disastrous experience

I had a disastrous experience with this card and customer service. It kept getting stolen. For the lastest one, I got a message alerting a potential fraudulent charge and immediately called the customer serive. They denied the charge at that time. But for the following week, the stolen card took more than 1,000 dollars of more charges. All happened AFTER the card was supposed to be canceled! Called customer service three times within a month, reported the details of the fraudulent charges three times, but none of the fraudulent charges was resolved. During the most recent call (the fourth conversation), the representative said that there was no any record of any fraud reported! Walmart should seriouly consider getting rid of Synchrony Bank because clearly they don't have any idea what they are doing and does not care their customers at all. Currently still waiting for a resolution of the frauds happened back in Dec. 2018. Avoid this card at all cost!

by Jesse
Waste of a credit card

I only had a $200 limit. Always paid on-time. I brought my balance down to $85 and they didn't seem to like that. They "ran a credit review" and claim this is the reason they lowered my balance to $100. Funny thing is, my credit score is 100+ points higher than it was when I first applied for the card, so I know that is wrong. What I gather is that they want you to keep your balance high and pay the minimal payment so that they make more money off of the interest. They don't care about how often you use the card, or if you keep it at a healthy credit utilization rate. Now I have a credit line decrease on my credit report, along with a closure because the credit limit is even more useless and I closed my account. Don't waste your time with this card.

Page 1 of 11:

The Insider

Ellen Sirull
Can You Rent a Rental Car With a Debit Card? Why You May Want to Reconsider
Ellen Sirull | May 23, 2019

Many rental car companies allow you to rent with debit cards, with some restrictions, but is it really a good idea compared to credit cards? Find out here.

Read More
Sean Messier
How Can I Easily Stop Getting So Many Credit Card Offers In The Mail?
Sean Messier | May 23, 2019

Tired of pre-approved credit card offers? Find out why you're getting them, how to opt out, and why these offers might actually be worth your time.

Read More
Susan Shain
7 Best Credit Cards for Building Credit
Susan Shain | May 22, 2019

Just starting your credit journey and looking for the best credit cards to build credit? Here are seven solid options — some even with cash back rewards!

Read More