Walmart® Mastercard

Walmart® Mastercard

For People with
Fair Credit



The Walmart Mastercard offers 3% cash back rewards for shopping online at, and 2% back at Walmart and Murphy USA gas stations. Only 1% cash back is provided for in-store Walmart purchases.

You can get a $25 statement credit after spending a minimum of $75 at Walmart within the first 24 hours of being approved for the card.

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
  • 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



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 $75 at Walmart within the first 24 hours of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 19.15%, 22.15%, or 25.15% 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 None
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 22.15%, 25.15%, or 28.15% 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.

  • Free FICO® Credit Score

    Access your credit score online at any time.

  • Interest Free Financing Offers

    Cardholders may get offers for 6, 12, 18, 0r 24 months at no interest for certain purchases.

  • Deferred Interest Financing Offers

    Cardholders may get deferred interest offers for 6, 12, 18, or 24 months. If the balance is not paid in full by the end, interest is charged all the way back to the purchase date.

  • Mastercard Benefits

    This card comes with Mastercard shopping and travel protections. You will be provided with a list of benefits available to you once you get approved for your card.

  • $0 Fraud Liability

    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.

Submit your review

Create your own review

Average rating:  
 35 reviews
by r.k.
Zero stars for non-existent customer service

So somehow my MasterCard was charged almost $2300 for iTunes purchases. Trying to straighten it out through Apple and MC was over an hour of automated menus and a whole lotta frustration with unhelpful staffers at Walmart. After I contacted Apple and cleared up the fraudulent charges, and then recontacted WMC three times, they changed my minimum payment for me from the $550-whatever it was because of the hacked Apple charges, to $78. I made a payment of almost twice that amount before it was due, and when I checked my account, it was still saying I owed over $500 as a minimum and was "overdue." Cue three more interactions with WMC to try to straighten that out and they refused to help me, and said it was out of their hands. One supervisor informed me that it was now my responsibility to contact Apple and tell them they have to make that $550 payment for me because it was their fault. They "don't have the ability" to connect me to their accounts receivable either, but suggested I contact them now, and do the whole 20-minute bullshit menu labyrinth to find someone to help me. They also had the information available in my account regarding the fact that the person I spoke to changed my minimum payment to $78 but refused to accommodate that. I found that out after I told the supervisor to check their recorded calls to see what I was told the first day I tried to clear that up. Also informed me that because I was "overdue" on the minimum payment that they could freeze my account until they feel like reactivating it. And told me that the payment they previously decided on for me would be "put toward" the minimum and that it would "decrease by that amount" with my next billing. Not taking into account that there was over $2200 put back into my account in the meantime as the charges were reversed- they still insist I owe the minimum payment from the hacked charges.Apple was wonderful and very helpful. All of the charges were reversed by Apple very promptly after I dealt with them. WMC still says I owe them the "minimum payment due" from the $2200+ fraudulent charges. They have been calling my house repeatedly since I spoke to them on Monday about it. They also just sent me an email saying they reduced my credit limit by $2000- I'm assuming because my "minimum payment" hasn't been met. They also gave me negative Walmart Reward cash on my last statement from the fraudulent period. What a load of crap. 100% unhelpful, complete lack of customer service and assistance after my card was somehow hacked and charges ran up. Wow.

by C
Horrible Fraud Handling And Customer Service

I live in the u.s. and my card was fraudulentley used twice. The first transaction in mexico, the statement converted peso to us dollars.. That charge was processed the 2nd time they automatically flagged it, when i spoke to customer service they wanted to mail me a letter to make sure i was me before helping me.. After asking for a call center manager i got a guy who closed the account and changed my card number and said id be refunded any and all charges or late fees due to this and my account will not be reported as unpaid. I called again because i got a statement in the mail, only to be informed that i have to make the payment, then was hung up on. Called back, and this guy said it is within 45 to 60 days before they can conclude if it was fraud. IT WASNT EVEN IN THE US. When i asked why it wasnt flagged the first time if the charge is in another country i was told that doesnt matter and they would of processed a charge anywhere that takes mastercard. I asked if they could block or automatically stop any charges made outside the us like my other cards do and was rudely interupted and told not to compare this card to any other cards because that doesnt matter and they cant do that. Then as im asking questions he keeps interupting and saying thankyou for calling and have a great day, when i say thats rude to interupt over and over as im asking questions he says oh its rude to stop a call... So now im expected to pay a bill for a charge that they allowed to go through in another country so that they dont report no payment on my credit report... Ive been a card holder since 2011 with them... ABSOLUTLEY HORRIBLE EXPIERENCES LATELY!!!

by E vR
Worst customer service and payment application policies

I'd give a 0 stars rating, too, if possible. They flag accounts for "too many" payments, payments made "too frequently," and payments that are "too large." This means that it takes 7 days for payments to post to your account or be in available credit, even if you're making a payment in the amount of your monthly statement! It's totally ridiculous. It's like they don't actually want customers to use the card. When you point this out to the useless customer service reps, they reps don't understand what you're saying and give excuses like--no lie--"the federal government allows banks to hold payments so we do." It's absolutely absurd, and there is no other supervisor or manager ever available that one might hope has more sense than the phone or chat reps.

by Doug Topper
Horrible Customer Service - Payments Take Over 2 Days

I'd give a ZERO if I had the choice. First, their statement is the worst to understand I have ever known. VERY difficult to understand. (2) It almost ALWAYS takes 2-3 days for them to post creditsand/or payments and then they charge you the few days interest. Yet purchases are there almost instantly. (3) Talking with "customer service" is a complete joke. You will never get anyone who can speak or understand English (sorry, not trying to blame any race here) just that they can't understand what you called for. And the one time I had to close the account for suspected fraud, it took them nearly 3 weeks to replace the card. Meantime I could not make payments or use the "old" card. Absoluetly the worst credit card any where!!!!. DO NOT GET THIS CARD. YOU WILL REGRET THE MOVE BELIEVE ME!

by Mona
I don’t recommend this to anyone

I realized that there’s charge on my statement that I have not asked for or even don’t have any idea about it called customer service but they didn’t help me with it so I canceled my card and never again I don’t recommend it

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