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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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


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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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Create your own review

Average rating:  
 8 reviews
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.

by Louis Loeffelholz
Worst card ever

I would give ZERO stars but the minimum is 1. This card has a super high interest rate for people with good credit. I've had my card for about a year, never late on a payment, & pay more than minimum due. I just found out they lowered my credit limit from 500 to a pathetic 100 because i bought a new car & my creditworthyness is not as good, so they say. I will tell everyone i know never apply for this card, and i work in retail, so i see & talk to a lot of people. I guess i'll give all my credit business to citi, who has always taken excellent care of me...

by Miranda siebels
Interest rate

I have excellent credit and pay more than the minimum payment every month and im still told there's no way to lower the interst rate on this card. My plan is to pay this card off and cancel. A 24% intersest rate is outrageous for someone in good credit standing. I had no idea this interest rate would be locked in. Ive always been able to lower a rate due to good payment history and good credit.

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