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 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 None
Late Fee Up to $38
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
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.

  • 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:  
 33 reviews
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

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.

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