Walmart® Mastercard


Walmart® Mastercard

For People with
Fair Credit

REVIEWS

Reviews

The Walmart Mastercard offers 3% cash back rewards for shopping online at Walmart.com, 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. There’s no annual fee for the Walmart Mastercard.

To login and make a payment or manage your account online, go 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® 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 some affiliated stores. 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 Walmart.com
  • 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
  • Shopping and travel protections from Mastercard
  • Free FICO Credit Score
Walmart® Mastercard

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 3% cash back at Walmart.com
  • 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 18.15%, 21.15%, or 24.15% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score Yes
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 21.15%, 24.15%, or 27.15% Variable
Cash Advance Fee 3%, $5 minimum

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.

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Average rating:  
 30 reviews
by M
More like loan sharks

I guess I have to give 1 star. Definitely 0 stars. Always paid on time and the one time I missed it while I was in the hospital, they shut it down. It was only 2 days late. Called customer service, told them payment was sent out. Then after I hang up, they call me back asking for a payment??!! I was angry, in pain from chemo, and cursed them out. Never using them again. Bloody Loan Sharks!!

by Elizabeth Rochelle
I like it

I needed more than a card, I needed a team that would protect my money against wrongful retailers who often take advantage of me, so I got the WalMart Master Card. They started me with $2700 line if credit, but my credit score is 779 so. This card has worked for me, no issues, and it's a Master's card.

by Dani Reynolds
Good, if you don't care about bad credit and you only want to use once.

First I'll start with the positives about Walmart Rewards Mastercard.1. High credit limit, so you assume it would be reliable for trips.2. You can pay your credit card bill in store, I was told that it goes straight into your card and there is no 3-5 business day wait for it.3. You can access all your transactions online with no need to use your phone to call them.4. 24/7 hr access to their fraud department.Here are the negatives about having a Walmart Rewards Mastercard.1. You're not aloud to see your pending transactions online.2. If you call them inquiring about your pending transactions they will have a hard time taking the time to tell you the transactions that are pending and they will interrupt you and cut you off and use the whole, "poor me, I gotta work!?" attitude, also they won't transfer you to someone that can actually help you.3. You can't get a list of your transactions or pending transactions in store.4. If you put money on your card in store, it does not go in right away it takes 3-5 business days.5. If you call the fraud department on a Sunday night about a suspected fraud they will tell you that they can't help you with that and to call back in the morning.The only other credit card I've had was from Capital One.1. You can review your purchases, as they are being made online, or from their mobile app.2. They have round the clock customer service.3. If they suspect their is a fraud they will contact you personally.4. They are also a great start to building your credit.

by Essie Brown

I very happy with my Walmart card soo far.

by Faye Whatford
Worst Customer Assistance Ever!

I just got off the phone after spending half and hour trying to explain to the customer service rep that there was a fraudulent charge on our card, and we needed the card cancelled and re-issued. No charges reversed or anything; just a new card. I was put on hold more than 15 times, and repeatedly told that I must contact the company that issued the charge had to reverse it. I wasn't asking her to reverse it! And then she hung up on me so I couldn't do the survey at the end. That was a mistake; I'll be hitting every review site I can to tell everyone that this rewards card is NOT WORTH THE DISMAL CUSTOMER SERVICE!

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