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:  
 51 reviews
by Ken
Disastrous experience

I had a disastrous experience with this card and customer service. It kept getting stolen. For the lastest one, I got a message alerting a potential fraudulent charge and immediately called the customer serive. They denied the charge at that time. But for the following week, the stolen card took more than 1,000 dollars of more charges. All happened AFTER the card was supposed to be canceled! Called customer service three times within a month, reported the details of the fraudulent charges three times, but none of the fraudulent charges was resolved. During the most recent call (the fourth conversation), the representative said that there was no any record of any fraud reported! Walmart should seriouly consider getting rid of Synchrony Bank because clearly they don't have any idea what they are doing and does not care their customers at all. Currently still waiting for a resolution of the frauds happened back in Dec. 2018. Avoid this card at all cost!

by Jesse
Waste of a credit card

I only had a $200 limit. Always paid on-time. I brought my balance down to $85 and they didn't seem to like that. They "ran a credit review" and claim this is the reason they lowered my balance to $100. Funny thing is, my credit score is 100+ points higher than it was when I first applied for the card, so I know that is wrong. What I gather is that they want you to keep your balance high and pay the minimal payment so that they make more money off of the interest. They don't care about how often you use the card, or if you keep it at a healthy credit utilization rate. Now I have a credit line decrease on my credit report, along with a closure because the credit limit is even more useless and I closed my account. Don't waste your time with this card.

by Tanya
Terrible customer service, do not get

I've had this card for 2 years and needed customer service twice. Both times were complete fails with rude phone staff and refusal to help. #1 there was a clearly fraudulent double charge that I asked them to dispute. Staff refused 3x (over 3 calls), telling me I had to deal with the business myself. I couldn't as it was an online business that ignored my attempts to contact them. My 1st 3 calls to Walmart mastercard ended with them hanging up on me when I asked for a supervisor. Finally, the 4th call to them got action and they reversed the double charge. Absolutely ridiculous. #2 the tap function on my card stopped working. The woman I spoke with argued with me, insisting she saw no problem on her end. I explained several times that the tap is not connecting with the machines at all so of course she won't see a problem. She then says I must have damaged the card. Uh, no. After several frustrating minutes she tells me she will send a new card but will cancel my account for up to 2 weeks while it comes. What? Why? I'm asking for a new card, not a new number. I told her that if she doesn't value my business I'll get a new credit card and close my account with them. Her answer "fine." And she hung up on me!I have a friend whose card stopped working and her company sent her a new card and encouraged her to keep shopping online while it was in the mail. So its clear Walmart mastercard just doesn't care about keeping anyone's business. That's fine with me, adios, my new credit card from a different company is in the mail.

by ShonW
Do not get!

If I could give it 0 stars I would. My credit score is well into the 600’s and they lowered my credit limit to $100 & I paid the balance in full monthly. They don’t communicate well or even care when you close the card. They are so big headed that when you close the account it’s like they don’t care to try to get you to stay. I closed the account after having it for almost 5 years. I will never recommend this card to anyone.

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.

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