Walmart® Credit Card

This card is designed to earn you rewards at Walmart and related stores.

To make a payment 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.

Browse 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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Quick View

Quick View

  • Annual Fee $0
  • Regular APR 23.15% *Variable
  • 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 APR -
  • 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.

Perks

  • 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.

Security

  • 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.

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Average rating:  
 6 reviews
by D
Misinformation

My issue with this card is that the associate who opened my account gave me the "special financing" option for no interest, but also said I would receive the statement credit in a couple weeks. I've since paid off my account, but realized I never saw the statement credit so I called customer service about it. The girl was fairly rude and said it didn't matter what I was told in the store. Since I received the no interest promotion, I couldn't have the statement credit as well. I did not read anything about that in the information they gave me at the store and the guy told me I'd be getting both. They really need to get their information uniform across the board with anyone who deals with the cards.

by myself
your basic credit card

Seems to me the people complaining here are largely upset because they didn't pay their bill and there were negative consequences.

by Mel Her
not worth your time

If no star was allowed, I'd given ZERO stars. Was told credit limit was $300. Went through some financial hardship and missed one payment. Paid half the card off only to see that $6 only is available. Called their customer service and was told that a letter was sent out 4 days after my payment was made, my credit has been lowered to $180. I know it's not a lot but a heads up or at least a phone call would have been nice. Oh, do any of you cardholders know they periodically check your credit without u knowing and can raise or lower your limit without your consent? What kind of business do they run? I work for a credit card company and we would have been sued for that. The terms are set for a reason, no one can just go and lower your limit without your knowledge. Increase? Yes.

by Tiffany
WORST EXPERIENCE OF MY LIFE

I've had this card for a few years now. I was late on a payment after a month or two and my account was closed. I have since been trying to get it repaid, to line out my credit. I literally spent hours calling the 'synchrony bank' which is customer service for the card. Every single time I called I got the same automated response saying, "I'm sorry we are not taking calls at this time." I called at least 5 different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department (after being on hold for over 20 minutes). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened, or even the amount I owed. I have yet to be able to get ahold of the 'PRA' collection agency to satisfy this debt. Basically this is all bullsh*t. They tell you the card does this and that, but what they don't tell you is you'll never get to speak to anyone when you need help. I mean how can you can a credit card but have no one in your call centers to provide customer service? Another reason why I won't be doing ANY business with walmart after this is settled. so beware to anyone who is thinking about getting this card. ITS NOT WORTH YOUR TIME.

by Sharon N
Does not play well with Quicken

If you're a Quicken person, the Walmart credit card will not easily import. Manual import only. Not a great way for a financial institution to help it's customers who manage their money. Except for the occasional discount on gas, I do not see any benefit. I will be cancelling my card.

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