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 cash back credit card that isn't for a specific store.

Cash Back 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.

Was this helpful?

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


Can't watch the video now? Read the full transcript here.

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:  
 29 reviews
by Travis

They will let you sign up for the card, but they won't let you make the purchase needed to get the 25$... They would not give me the security code to make the purchase online. Syncrony bank nor walmart would give me the code. the walmart credit people were gone for the day...

by PJ
Big fat ZERO!!!

This card is awful!! The interest rate is ridiculously high!!! Customer service sucks!

by V. June James
Interest Rate

I absolutely love Walmart and have a Walmart MC. However the interest rate is much too high.

by Nichole
Horrible-Stay Away

All I can say is don't ever change your last name, change your phone # or address as I have recently done. I tried calling to update my information as I have done with all of my other credit cards with absolutely no problems. But not at Walmart! They marked my account as fraudulent and now I cannot access my account online or through the automated system to do anything, right away I get transferred to their fraud department. These are absolute insane measures to take. They make it difficult on the customer and now I am beyond frustrated. The first lady I spoke with said she'd send me a pin # in the mail but over three weeks later and nothing. Called today and the lady said nothing was ever sent to me and they are waiting on me to send them a copy of my driver's license and a utility bill. I do not have a utility bill living on a military base. After 20 minutes wasted again on the phone now I need to send in a copy of my driver's license and our rent agreement. Asked if I could just email this information but of course that would be way to easy so instead I will send it via regular mail. Once my balance is pd off this card will be going through the shredder never to be used again. I will not be shopping at Walmart either, not that I do very often anyway.

by Zaira
I give it no stars

This cars is horrible. I paid my card off in full and they turned around and canceled my card. That lowered my score. They won't even say why. My boyfriend also had the card and no late payments and when he paid off the cars they turned around and canceled his cars as well. Don't mess with your credit using them. It's not wort it.

Page 1 of 6:

The Insider

Brendan Harkness
Review of the CreditStacks Mastercard
Brendan Harkness | May 18, 2018

The CreditStacks Mastercard is designed for professionals relocating to the U.S., offering a way to build credit even without an SSN or credit history.

Read More
Brendan Harkness
Review of the Capital One® VentureOne® Rewards Credit Card
Brendan Harkness | May 14, 2018

The Capital One VentureOne Rewards Card offers 10X miles on hotel bookings from, with 1.25X miles for every other purchase.

Read More
Brendan Harkness
Review of the Capital One® Venture Rewards® Credit Card
Brendan Harkness | May 14, 2018

The Capital One Venture Rewards Credit Card offers 10X miles per dollar at, with 2X miles on every other purchase and travel perks.

Read More