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:  
 27 reviews
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!

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 WALMART MASTERCARD

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?

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