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.

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 rewards credit card that isn't for a specific store.

Find a
Cash Back Card

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


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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 -
  • 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:  
 22 reviews
by DJ
Good Card

This is a fairly simple card and the statement credit works great for me. I got approved for a $1000 limit with just a 620 credit score and being only 18. This card has improved my credit score drastically over the time that I've had it. Never had a problem and I pay my bills in full every single month unlike most of the other reviewers...

by Kishorelal
worst store card

3% cashback only at the websites. you get 1% for purchases in store.if you need the promised statement credit you need to go and speak to them and place a 'request' where you still do not hve any surety of getting it.

by Brigette Carlson
Walmart Card Security Debt Cancellation Fraud

I signed up for the Walmart Card Security Debt Cancellation program from the moment I opened my Credit Card with Walmart. A few months ago, I was laid off due to lack of work. For 2 months, Card Security has been paying my bills on time (the minimum but still paying) and now that the 3 month 90 day period has come up which is when the pay off your balance if you are still unemployed (which I am), I've been running into nothing but problems. Despite having fax confiramtions that they have recevied my proof of being unemployed, they keep giving me the run around and sending letter off to me via USPS first class mail (which take days) requesting additional information. For my past month I have sent them over 4 communications with the updated information they are requesting and they keep sending me letters stating that they did not receive it which is a lie. I call to speak to a supervisor and I'm told the supervisor is not there. I ask for information as to what they need from me and they tell me the benefit department is not open. I have filed a complaint with the BBB after going around and around with them because they will not handle my benefit per the contract. My account is now past due and in collections because of their negligence to honor the contract as written and pay of my claim.

by Jessica
Fraud Department

Absolutely worst customer service I’ve ever experienced. I attempted to use my card online at and when I went in store to try and use my card again on Black Friday the account was put on hold for fraud. I call them and they tell me that the only way to verify my identity is to receive a text message to the phone number I opened the account with (2 years ago so it’s no longer in service) so then they tell me that I need to send my license and utility bill in the mail and wait 7-10 business days to verify my identity. I don’t understand why the only way to verify identity is through a text or through sending my drivers license in the mail. So frustrated with their system and after waiting through long Black Friday lines didn’t even get the bike for my son. Absolutely closing this account and would never recommend Synchrony Bank (FYI Jc Penny also uses them.)

by Emily
Credit limit

When i first applied i received 800 credit limit amd 6 months later it decreased to 440. I was extremely upset and when i called to check why my credit limit went down the representative didnt really answer any of my questions. How can my credit limit go down when i make payments every month on time

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