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.

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 rewards credit card that isn't for a specific store.

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Cash Back Card

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


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Quick View

  • 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:  
 13 reviews
by Steve Macintyre
Very shady company

Always had strange charges with this card. I was paying 300-400 a month to try to reduce a 2k debt and it wasn't going down until one month the entire history of my payments disappeared and debt got reduced to 1000. I closed it the other day and there was an unauthorized charge! STAY AWAY!

by Hatairat
Walmart Mastercard - Worst Ever

I do not recommend to apply this credit card. I had bad experience with this company. I applied this Walmart Mastercard at the store as Walmart had promotion that you will get 15% up to $50 off your purchase and 6-12 months no interest. So, I applied, got approved an made purchase. The associate at register put in a coupon code to use that promotion but forgot to indicate also with 6 months no interest. So, I called and spoke with representative at Credit card company. The rep confirmed I would get 15% off on my 1st bill statement and she also had to manually add 6-12 months no interest so I can get both promotion. First bill came and I got 15% deduction on my statement with 6-12 months no interest. Guess what, I checked my account online today, they added 15% deduction and charged on my account. When I called customer service and even spoke with supervisor, they turned around and said they could not do both now I had to choose one promotion or the other. No communication no letter was given or sent to inform me. They said they could not do anything to help with their miscommunication and mistake. This showed how unprofessional and unethical this company has to the consumer. So, that would be the last time I use this credit card to make purchase, and definitely not recommend to apply. You will get better services and benefits with other credit card companies. Thank you.

by Chuck Sanborn
Mastercard managed by Synchrony Bank

Just closed this card as their website and voice mail is classified as a hazard to navigation. Best of luck trying to get through it, I lucked out and got their Fraud Dept. when asking for customer service, which isn't even an option on their voice mail. Wait, maybe that is the correct name.Synchrony Bank - Just stay away from them. None of the businesses they host should subject their customers to them.

by Donna
Still waiting for replacement card 1 month later

I got my original card just fine, but when I had fraudulent activity on it that's when my problems started. Customer service told me they were canceling my old card and I would get a new one in 10 days. It never came. I called back and they are supposed to be sending another new card, but they can't track the cards t see where they are in the process. Meanwhile, I was locked out of my credit card account while they were working on the problem. Don't get this card.

by Brenda
Think twice before applying

I was just denied with credit scores of 653 (exp), 667 (efx), and 738 (tu). I don't know why anyone would apply here to build credit if they don't approve applications with those scores. By the looks of the reviews, I guess I should be grateful. I was just approved for other (more desirable) credit anyway.

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