Walmart® Credit Card


Walmart® Credit Card

For People with
Fair Credit

REVIEWS

Reviews

For no annual fee, the Walmart Credit Card provides 3% cash back at Walmart.com, 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.com
  • 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 Walmart.com
  • 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

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 3% cash back at Walmart.com
  • 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.

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Average rating:  
 47 reviews
by Amica
Walmart Credit Card

Very poor communication and explanation at the start. When they ask me to sign in to this Walmart Master card, they told me there is a 25.00 dollar bonus for signing in which she deducted to my purchase of 16.00 and a change. Later on I got a statement from the mail that I have to pay that amount which I thought a welcome bonus. I ddn't pay because of the welcome bonus that she told me. I use the card again to purchased online and there was not even 26 days grace period and they started harassing me on the phone everyday, how am I going to pay etc. Like I did a criminal act in fact they are wrong. They do not explain properly at the start, and they are furious without a good reason. They don't know how to apologise. They only care about the money. Suckers. I wish I've read the reviews before I sign in. That's it for them, they will lose a lot of customers and I am not surprise.

by Mike
Dont get, would give zero or -5 if possible

This is a horrible card with horrible customer service attached. I have had this card for almost 2 years. I paid into the protection plan. I have only used this card a small amount of times and paid on time. About 8 months into having the card i lost my job, so i contacted them to inform them so that they know that i cant make the last payment of $150.00 i was told thatcthe protection plan covers for that. So a few weeks later I got another job and started making payments again. I think that the card is still good so try to put a school course on it... it declined, so after 3 attempts i called the number on the back of the card. It turns out that when i called to inform them about my job loss they immediately revoked my card... not only that but the card is completely paid off and they are now trying to charge me for interest on a zero balance. So i called to see whats up and I was told my card is revoked and need to reapplying, i said thats unacceptable and wanted to speak to a supervisor, so i was put on hold for almost an hour to be hung up on. I called back and again was placed on hold, then the same agent came on pretending to be a supervisor, i said that I am just going to call MCs corporate number and lodge a complaint, then she said that I dont need to do that and transfered me to someone else who just started the same crap as the other agent. Needless to say, dont do business with them, they are fraudsters.

by Kelly
Cardholder KR

DO NOT GET THIS CARD! I was initially approved for $3,500. The first few months I made my payments early (as I do with everything) & found out that they put those payments toward the previous month then charged me a late fee for not making the payments on time for the following months. It took me months to get it straightened out but they finally reimbursed the late fees. I was fine with everything at that point. Fast forward 6 months when I try to buy a new car & I find that they dropped my credit limit to $800. When I asked why, they said because I made multiple late payments when I first got the card. I explained that I did not do this & they were just early but they didn't care. My balance was over $800 at the time so the credit bureaus reported me as over my limit. This dropped my score almost 200 points!!! I was livid as I did nothing to deserve this! Synchrony bank is horrible! Once my current balance is paid off, I'll be closing this card & the two others (discount tire & care credit) who use this bank for their businesses. I would highly suggest everyone find a better bank to deal with! These ppl are crooks!!!

by KATHRYN SISLEY
DO NOT APPLY/USE THIS CARD - SYNCHRONY BANK/WALMART MASTERCARD

CUSTOMER SERVICE-CHAT- VARIOUS SUPERVISORS ALL ARE HELPLESS TO HELP. LOOKS LIKE MY OVER PAYMENT WILL TAKE 5 WEEKS TO BE RESOLVED. I WAS TOLD BY ONE AGENT OF COMPANY MY PROBLEM COULD BE EXPEDICTED (MATTER OF DAYS), ONE AGENT SAID WOULD TAKE 2-3 WEEKS, ROBO CALL SAID RESOLUTION IN 14 DAYS (AFTER 3 WEEK WAIT - WOULD BE TOTAL OF 5 WEEKS). THE AGENTS ARE IN BOXES AND CAN ONLY DO AND SAY AS TRAINED/ALLOWED - NO MORE, NO LESS. PURE FRUSTRATION FOR THE CUSTOMER. I CLOSED THE ACCOUNT AND AWAIT MY CHECK WHICH IS "IN THE MAIL" .... THE ACCOUNT IS CLOSED.

by Stephen Bellacera
BALANCE INS (Beware!!!)

Just so you know when you get this card you automatically opt in to Balance insurance which shows up on your statement as BALANCE INS. If you see this, your getting charged basically double interest because good luck using this insurance when you do lose your job. total scam!

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