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 rewards credit card that isn't for a specific store.

Find a
Cash Back Card

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.

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Average rating:  
 19 reviews
by Jessica
Fraud Department

Absolutely worst customer service I’ve ever experienced. I attempted to use my card online at and when I went in store to try and use my card again on Black Friday the account was put on hold for fraud. I call them and they tell me that the only way to verify my identity is to receive a text message to the phone number I opened the account with (2 years ago so it’s no longer in service) so then they tell me that I need to send my license and utility bill in the mail and wait 7-10 business days to verify my identity. I don’t understand why the only way to verify identity is through a text or through sending my drivers license in the mail. So frustrated with their system and after waiting through long Black Friday lines didn’t even get the bike for my son. Absolutely closing this account and would never recommend Synchrony Bank (FYI Jc Penny also uses them.)

by Emily
Credit limit

When i first applied i received 800 credit limit amd 6 months later it decreased to 440. I was extremely upset and when i called to check why my credit limit went down the representative didnt really answer any of my questions. How can my credit limit go down when i make payments every month on time

by Jennifer

We got this card because wi do lots of our groceries shopping here and most of my baby needs. We first had 1500 and always pay in full amount as soon as we can. And got offered for 6k, we’ve accept the offer and spend like more than half of it but then never paid in full amount on the first payment but never get late for the monthly payment either, when my credit left is like 1200 i supposed ive got more than 3 grand to shop, i was then paying on the counter just for the purchased of ove 400 whebn the card kept desclining. It was awful. Called them and they said they change the credit limit again to 1500 because we have never paid the full amount payment???? Like seriously. I never made any late payment and after spending 5 grand pn the card and almost paid all the remaining they will tell me that, its the first time i have encounter this, i have other credit card with more limits that never went down if i dont pay the full amount for a year. They said that they have the right ding that. Like WTH, since then i paid the full amount ansd swear not to touch it again and im cancelling too. And by now trying to avoid shopping from them. BAD EXPERIENCE.....,

by Shelli
Walmart credit card

They started me with 600 dollars on a 650Credit score. I have never missed a payment. I keep it pretty maxed out which I hate but my limit is now 2300 in two years. Every time I ask for an increase I get it. I love my card!!!!

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.

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