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:  
 5 reviews
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.

by Cecil and Katie
Don't be even a day late....

We got this because we worked at Wal-Mart and shop there frequently. Due to a loss of income we were a week late on our payment. We ended up paying off the balance....but it didn't matter with no notice our credit limit had been reduced 75%. Our current plan is to pay it off again and cancel it. Thank you Wal-Mart another way to screw the public.

by Devon F.
Awesome Card

Love it!! I can use it anywhere and when I need cash, I can just go to walmart and get up to $100 cashback. I am curious if I can get cashback anywhere else besides walmart though?

by Bobby Young
Bad Card

The card with the chip is worthless because it is declined most every place i try to useit, even walmart

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