Walmart® MasterCard

This is a card designed to earn rewards at Walmart, and also earn rewards other places you shop.

To login and make a payment or manage your account online, go 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.

Learn more about reward credit cards

Where can I use my Walmart® MasterCard?

You can use this card anywhere MasterCard credit cards are accepted, which is pretty much anywhere credit cards are accepted. Walmart offers another card, the Walmart Credit Card, which can only be used at Walmart and Sam’s Club. 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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  • 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% discount on a Walmart purchase on the day you're approved (up to $250)
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR 20.15%, 23.15%, or 26.15% *Variable
  • 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.

  • MasterCard Benefits

    This card comes with MasterCard benefits. You will be provided with a list of benefits available to you once you get approved for your card.


  • 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:  
 10 reviews
by Donna
Still waiting for replacement card 1 month later

I got my original card just fine, but when I had fraudulent activity on it that's when my problems started. Customer service told me they were canceling my old card and I would get a new one in 10 days. It never came. I called back and they are supposed to be sending another new card, but they can't track the cards t see where they are in the process. Meanwhile, I was locked out of my credit card account while they were working on the problem. Don't get this card.

by Brenda
Think twice before applying

I was just denied with credit scores of 653 (exp), 667 (efx), and 738 (tu). I don't know why anyone would apply here to build credit if they don't approve applications with those scores. By the looks of the reviews, I guess I should be grateful. I was just approved for other (more desirable) credit anyway.

by shiya
Horrible card, will drop credit line for nothing

DO NOT get the Walmart master card!! I repeat do not do it! my credit score is in the 700's, i got the card and used it only once. As soon as a made a large purchase on my Discover card i got a letter from Walmart saying they were reducing my credit limit! i called and they said due to changes on myc redit report. The only thing that has changed on my credit report is that i have gotten 3 more points also they are lying. i reported them to BBB and found that 1,000's of people have this exact same complaint about walmart lowering there credit limit if they used another one of their big named cards, When that many people have the same complaint and me going through the experience, i want to warn others. When they dropped my credit limit i lost 5 points on my credit and i care about my credit so i will Never shop there again. i cut that card into pieces and they never have to worry about me again. Go to credit karma if you need a master card they will suggest great ones, don't let Walmart get you. the already pay employees so poorly that most have to get Government Aid, now they are playing with peoples credit.

by Kevin Allen
Worst Customer Service

I used to have a Walmart (yippie). Then in the mail i get a letter congrats you got upgraded and you will keep your credit history. Well that sounds good. But that did not happen so the card from 2009 get closed and transferred like a collect and bam new account open and your long open credit history is now a month old. I call customer service to operator 759 and well after being hung up on and told lies nothing happens do not get the card

by shannon
worst card ever

i would give them a 0. Worst card ever. they gave me a 4,500.00 card july 2016. in nov 2016 i used the card for xmas shopping and spent 900$ my credit is good and has been for years at about 718. Then out of no where they decreased my credit limit by 3,500$ who does that to people. so now it looks like i maxed out a card on my credit report and im buying a house soon and thank to walmart i just lost 12 points on my credit score for this pety mess. I HATE WALMART MASTERCARD THEY LOWER EVERYONES LIMIT FOR NO REASON DONT GET THIS CARD EVER.

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