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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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 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:  
 15 reviews
by Vanna M
Walmart card is a scam!

These walmart crooks should be in jail. I received a walmart card credit limit 1100 dollars 6 months later my limit was lowered. I payed my bill on time every month never missed a payment. They should be sued for lowering your limit as this affects your credit score. I will be paying this off and closing. Don't ever! ever! get this card consider yourself warned.

by Natasha
Un happy

I was approved for the walmart credit card $500 cl I have had the acct opened for 6 month making payments everymonth..more than the min payment and I called in last week to get a Credit increase and it was denied. I called in today due to somerhing I seen on my statement and when I called they stated that my limit was decreased to $370???? What!? I oay every month and I have nothing else on my credit besides them and student loan, and my SL are in good standings. Im highly upset!!!! Thinking of closing acct once I pay off.

by Dennis Keenan
A decent store card

For someone with sketchy credit, this cardreally isn't a bad deal. Im at 700 fico and theygave me 4000 cl to start with.

by Nekeisha
I did everything right

I paid every month on time and just paid off account total 300 dollars. They told me because I paid a high amount, they are going to hold my credit for seven days. The payment was posted and went through, so why stop me from using my card. I'm thinking about just closing the account.

by jon

this ia a normal credit line and its a good one for my credit history so im reading these reviews ans all these people are on here complaining about stuff that only happens when you only pay the min. or not pay at all what happened to common sense? lmao use your card pay your card and you have a great deal do NOT use this card if you are unable to pay and you will love this walmart credit card or walmart mastercard just thought i would add this because all these people are talking nonsense on here about not paying and expecting to have there hands held??? like der der derrrr lmao this is a good card and a lower apr rate then my other 2 credit cards lol

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