Walmart® Credit Card

Walmart® Credit Card

For People with
Fair Credit



For no annual fee, the Walmart Credit Card provides 3% cash back at, and 2% back at Walmart and Murphy USA gas stations. Only 1% cash back is provided for in-store Walmart purchases.

Some cardholders may receive special financing offers, either zero-interest or deferred interest.

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?

The Walmart Credit Card can only be used at these locations:

  • Walmart Stores
  • Walmart Supercenters
  • Walmart gas stations
  • Murphy USA gas stations
  • Neighborhood Markets
  • Sam’s Clubs (active Sam’s Club membership required)

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.

Card Quick Facts

Card Quick Facts

  • 3% cash back at
  • 2% cash back at Walmart and Murphy USA gas stations
  • 1% cash back everywhere else
  • Special financing offers for 6, 12, 18, or 24 months
  • No annual fee
  • Fraud protection
  • Free FICO Credit Score
Walmart® Credit Card

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 3% cash back at
  • 2% cash back on fuel at Walmart gas stations and Murphy USA gas stations (excluding Murphy Express)
  • 1% cash back everywhere else
How to Redeem

Introductory Bonus

  • $25 statement credit after spending at least $25 at Walmart within the first 24 hours of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.15% Variable
Intro Purchase APR -
Foreign Transaction Fee N/A
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
Cash Advances

Cash Advances

Cash Advance APR N/A
Cash Advance Fee N/A

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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:  
 39 reviews
by Vickie Erdmann
Don't Use This Company - Synchrony

I paid off my credit card balance in full and they closed my account because I wasn't "credit worthy". They were okay with keeping my account opened while I had a balance but when there is no interest going to them they decide to drop me. Avoid this card if you can !!

by Traypatte
Worse Credit Card Ever

Would give no stars if I could. My bill is due on the 25th of every Month. For the last 3 months I've been paying my bill early in the Month. (apparently before the new statement is generated). Not only have i been paying early, I've been paying more than the minium amount due. When I called to inquire why I received a delinquent notice, they told me it was because I paid before a new statement was generated and the money was applied towards the previous Month bill and they refused to remove the late fee. I've had/have many credit cards and never have been penalized for paying early. Needless to say I closed this account.

by Kathy
Syncrony service

I have been trying to setup p.i.n. and get cash advance using Walmart master card. Spoken to customer reps 6 times each telling me different instructions. Still could not get advance at ATM. I had it called service again and asked if they are in the USA! No she said and this is why service has become a nightmare for consumers. American companies should not be allowed toOutsource customer service calls to India😎

by MaryJean Fanni

Zero Stars. I was appproved for $1,900 credit limit in July. I lowered it to $500 since I use it online. Purchased and paid $730 in one month. Had $0 balance and was declined at Walmart Automotive because "I Made Too Many Payments". That lowered my credit limit to $99. Customer service only causes more frustration and higher blood pressure. Canceled card while speaking to CS supervisor.

by Jeremy
poor practices

Friend of mine missed one payment. These people lowered her limit so she was $60 over her limit, just so they could charge her the $150 overage fees, which accrue every month, and she can't pay it all at once. So, now her credit takes a huge hit, which causes all other cards to either lower her limits, or close her accounts. Even they say her history on payments is impeccable, but they can't even just charge her a late fee, and let that be the end of it!!!!!! As soon as i get my own balance paid, I'm closing the account. If I could get away with never going to these stores again, I totally would!!!!!

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