Walmart® Mastercard

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.

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.

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


Quick View

Quick View

  • Rewards
    • 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
  • Signup Bonus $25 statement credit after spending at least $25 at Walmart within the first 24 hours of account opening
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR N/A
  • Cash Advance APR 21.15%, 24.15%, or 27.15% Variable
  • Penalty APR See Terms
  • Late Fee Up to $38
  • 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.

  • 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.


  • 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:  
 25 reviews
by Jim
Declined for credit line increase again and again

Ive had my card over 3 years now and have never recieved an incease! Recieve decline after decline, never late on a payment, always pay more than the minimum just dont understand. Oh yes, my 3 credit scores are Ex 690, Trans 669, Experian 694. My starting walmart CL was 400 dollars. 3 years later, you guessed it 400 dollars. Today i cut my card up. Hello Meijer. I applied for a meijer mastercard, an got a $3000.00 instant approval last wednesday, GO FIGURE!!!

by Peter Smith
Dangerous Card

All fine print is unacceptable. I always have extra funds in my account to pay bills but made the mistake of paying on the due date. I transferred the full balance payment on the due date at 9:30 California time. Got hit with a $25.00 late fee because it was 12:30 eastern time. WHAT A SCAM! I cancelled the card. Shame on Walmart.

by Patricia Smith

Synchrony Bank has not yet joined us for online banking in the 21st century. Lowe's, like Walmart, also made the mistake of turning their creditcard accounts over to Synchrony Bank. This bank CANNOT connect with brick & mortar banks so customers can have their Synchrony Bank-backed credit card bills "e-billed" to their checking accounts. Bills can be sent only one of two ways: e-mailed to the customer or mailed via USPS. Kind of antiquated, huh?

by BCT
WalMart Mastercard

I get cash back to use at WalMart on any purchase anywhere. I make sure to pay my balance each and every month, before the interest is calculated. I never use it for more than I can afford. As long as it is used sensibly and not recklessly; as long as you keep in mind what you can and can't afford, this card can and will work for you. (This is true of almost any credit card.) The accumulated amounts can be quite helpful.


Only used it for the cash back. Done with it.Inconvenient.Paid in full every month. $900 limit. Made 700+ payment on 3/8. Cleared bank. Posted to account on 3/8.On 3/14 It DENIED my purchase of $400. So I check on the computer, shows ZERO BALANCE and only $125 available. Six days after payment clears, I call customer service who tells me it should be available by tomorrow, but if not, I can call back. I won't waste my time. Not worth the 1%

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