Walmart Credit Card

  • No Annual Fee
  • $20 Cash Back Offer
  • 5¢ Gas Savings

If you’re a frequent Walmart shopper and would like some extra savings, consider signing up for the Walmart Credit Card. When you first open your account and spend $100 or more at, you’ll get $20 back. The card also offers special 6, 12, and 18-month special financing options on your in-store purchases through Dec. 31, 2013. And you can save an extra 5 cents per gallon when you use the card at participating Walmart gas stations.

The Walmart Credit Card is one of two Walmart store credit cards. See a comparison of the Walmart Credit Card and the Walmart Discover on The Insider.

Credit Card Insider
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Walmart Credit Card Benefits and Features

The Walmart Credit Card is pretty straight-forward. Since it’s only for Walmart purchases, it doesn’t deal with balance transfers, regular cash advances, or foreign transactions. It does, however, allow cardholders to make “quick cash advances” in increments of $20, up to $60, while making a purchase at the register. The interest rate is 22.90% for purchases and applies to the special financing options. The card has no annual fee.

This card has great benefits for frequent Walmart shoppers. Besides receiving money back on your first purchase, special financing, and savings at the gas pump, you also can get access to your monthly credit score when you sign up for electronic statements online. If you ever come across unauthorized payments on your account or lose your card, you won’t have to pay a liability fee.

The Walmart Credit Card is only used for shopping in the store at online, so it’s pretty simple. If you’re a frequent shopper there, it can certainly come in handy when you want to save some extra bucks. But beware of the high interest rate for purchases and special financing options. This card is best for those who want to save some extra money at Walmart and then pay off the balance in full by the due date.

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Editors' Rating

Fair Credit Requires

  • Hits
  • No Annual Fee
  • $20 Cash Back Offer
  • 5¢ Gas Savings
  • Misses
  • Only For Use At Walmart

Quick Card Facts

  • Open a Walmart card, buy today, and get $20 back
  • Special financing available in store with your Walmart Credit Card
  • Save 5 cents per gallon at participating Walmart gas stations in the U.S.
  • Receive your free monthly FICO Score when you enroll in electronic statements online
  • Get a cash advance at the time of purchase
  • Pay no annual fee
  • $0 fraud liability