Walmart® Credit Card

This card is designed to earn you rewards at Walmart and related stores.

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

This is a store-branded card. You may be able to get better rewards and terms with a general-use reward credit card instead.

Learn more about reward credit cards

Where can I use my Walmart® Credit Card?

You can only use this card at Walmart, Sam’s Club, their websites, and certain gas station: at Walmart fuel stations and Murphy USA gas stations (excluding Murphy Express). 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.

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Quick View

Quick View

  • Rewards
    • 3% cash back at Walmart, Sam’s Club, and their websites
    • 2% cash back on fuel at Walmart gas stations and Murphy USA gas stations (excluding Murphy Express)
    • 1% cash back everywhere else
  • Signup Bonus 10% off a Walmart purchase on the day you open the account (up to $250)
  • Chip Technology None
  • 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 $35
  • 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.

  • Additional Users

    Add additional family members at no cost.

  • Special Financing Offers

    6 or 12-month special financing offers.


  • 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:  
 10 reviews
by Eva L
Awful, embarrassing

Awful experience! Applied for card, got in the mail, activated. You would think that when I got to store and had scanned full cart of groceries this card would work, think again. Embarrassing would be understatement, even tried calling customer service while trying to pay with that card, one representative says it's a go, activated, the next one that I called after unsuccessful payment, says it has a fraud code put on. Awful, would never recommend this card to anybody, unless you prefer to be embarrassed in public. Considering to avoid Wal-Mart stores all together. Not a happy customer!

by Lavette Graves
Horrible customer service

Ive had this card for a few years now. I make my payment on time each month and somehow they created all of these late fees that they claim can only be taken off the full balance and not the minimum due. Customer service reps always give misinformation and the mgrs were rude and unhelpful as well. I just closed my card.

by william ward
reviewing the reviews

Just received & activated my card and I get on line and see these people complaining, seems to me there is a central theme, they missed payments! pay your bill on time & quit complaining, what happens when you pay on time, you have no problems. case closed. I will be back after use of my card.

by Jay
Payment system

Card is ok. Payment system is the worst that I have ever encountered. Voice recognition and keypad response if dreadful. The system is slow and frustrating to use.

by D

My issue with this card is that the associate who opened my account gave me the "special financing" option for no interest, but also said I would receive the statement credit in a couple weeks. I've since paid off my account, but realized I never saw the statement credit so I called customer service about it. The girl was fairly rude and said it didn't matter what I was told in the store. Since I received the no interest promotion, I couldn't have the statement credit as well. I did not read anything about that in the information they gave me at the store and the guy told me I'd be getting both. They really need to get their information uniform across the board with anyone who deals with the cards.

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