Review of the Walmart Credit Card and Walmart MasterCard

Brendan Harkness

Brendan Harkness | Reviews

Mar 20, 2015

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Walmart offers two credit cards for general consumers: the Walmart Credit Card and the Walmart MasterCard®. These cards offer special financing for large purchases, as well as cash back for certain purchases.

Where Can I Use My Walmart Credit Card?

The Walmart Credit Card can only be used at Walmart and Sam’s Club. This includes their associated gas stations and websites. You can also pay off your card balance at either of these two stores.

The Walmart MasterCard can be used anywhere MasterCard is accepted.

Walmart Credit Card

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 22.90% (Variable)
Quick Card Facts
  • No annual fee
  • Fraud protection
  • Free FICO credit score
  • 5¢ for every $1 spent at Walmart gas stations
  • Special financing offers for 6, 12, 18, & 24 months

Walmart MasterCard®

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 22.90% (Variable)
Quick Card Facts
  • No annual fee
  • Fraud protection
  • Free FICO credit score
  • 5¢ for every $1 spent at Walmart gas stations
  • Special financing offers for 6, 12, 18, & 24 months

The Rewards

Check out our picks for the best store credit cards

A 5¢ discount per gallon is provided for gas purchased at Walmart stations with either card.

The MasterCard also provides 1% cash back for all purchases made. This cash back is awarded as a statement credit every time the total rewards accrue to $5.

The Benefits

If you open a new Walmart card and make a purchase of at least $75 at Walmart on the same day, you’ll receive a $25 discount.

Another $10 discount is awarded when you make another $75 purchase from Walmart within 60 days of opening your account.

Walmart offers several financing plans for large purchases made with each card. No interest is paid as long as the entire purchase is paid off in full by the due date. Take note that if you fail to pay off the entire balance by the due date, you’ll be charged interest going all the way back to the date of purchase. This can be a very costly mistake.

There are 4 financing tiers for purchases of different amounts:

Plan Length Purchase Amount
6 months $150 – $298.99
12 months $299 – $428.99
18 months $429 – $598.99
24 months $599 or more

The Walmart MasterCard is also equipped with Chip-and-Signature technology, providing enhanced security for cardholders.

If you sign up for electronic statements online, you’ll be able to access your FICO® score for free at any time.

This card may also come with a range of extra benefits and services from MasterCard; Walmart does not disclose the extra benefits that come with this card, if any. Some cardholders have reported that the card does not come with extra services like purchase protection or an extended warranty. Check the terms that come with your card for details on the specific benefits you have access to.

The Costs

Card Annual Fee Regular APR Cash Advance APR Foreign Transaction Fee
Walmart Credit Card $0 22.90% (Variable)  Not Applicable Not Applicable
Walmart MasterCard® $0 22.90% (Variable) 25.90% (Variable) 3%

The Fees

Card Late Fee
Walmart Credit Card Up to $35
Walmart MasterCard® Up to $35

The Bottom Line

Like other store cards, the Walmart Credit Card and MasterCard are best suited for frequent shoppers of the store in question, in this case Walmart. Each of these cards will have a high APR, so you’ll want to avoid revolving a balance from month to month.

These cards could come in very handy for making and paying off large purchases for no interest, as long as you can pay off the entire balance before the due date. Failing to do so will be costly, negating all of the possible benefits of the cards.

Customer service for this card is lacking. It seems impossible to get additional information about the card ahead of time from a customer service representative; to access their help line you need to be a cardholder already, but if you’re not a cardholder you won’t be able to speak to anyone. Be aware of the little things like this when considering credit cards.

Do you like the idea of getting rewards for shopping, but don’t think this card is right for you? Take a look at how general-use rewards credit cards provide benefits for shopping anywhere.
  • Richard Sandridge

    It’s like GE Capitol, screws a nice rewards; proprietary CC! These bishes, do it, by design; via the pour! BASTARDS! Go pimp Wal-Mart!

  • Richard Sandridge

    Yeah now, it’s easier, to send dinero; to Mexico. Now WE HAVE THE FIAT CURRENCY NIGHTMARE; WHILE THEY GET MUCHO PLATTUS!

  • Richard Sandridge

    I want a shade grown coffee farm, in Gautama-la. Who the F, is with me?

  • Richard Sandridge


  • Mpov

    Not sure what you meant when you said neither of the cards is the best option for an educated consumer. As a young adult I am trying to build my credit and have done some research on how to best go about it.

    • Kimberly Rotter

      Hi Mpov,

      Good question. To clarify, it seems to me that the Walmart credit cards appeal initially to Walmart shoppers because of the marketing directed toward new applicants, but there are much better cards out there for folks like you who are trying to be careful and smart.

      I would recommend any one of these before the Walmart card:

      Discover Student card, which has a much better rebate – 5% on certain purchases and 1% on everything else –

      Capital One Journey Student card, which gives you a bonus rebate if you pay your bills on time –

      Chase Freedom, which also has the 5%/1% cash back structure and has a nice $100 bonus offer right now –

      All of these cards are good for people building credit, and they are all much more versatile and generous than the Walmart cards. Walmart, by the way, is currently offering a $25 bonus after $75 in qualified purchases, so I wouldn’t rule it out completely. It’s just not a card I’d rely on for regular use.

      Good luck in your research!

      • bobke

        Did you really say walmart cards appeal to walmart shopper? No shit captain odvious, wow u r smart for a dumb arse

  • devpro404

    For getting Walmart Discover how long history should I have, I’ve just opened cap1 secured card with 500 CLI and it has 3 months history, everything paid off full – credit score is 738

    • Kimberly Rotter

      With a credit score of 738, you’re in good shape to apply for this card. But the answer is that all credit card issuers keep their criteria somewhat secret. Their stock response is to apply and see what happens.





  • Laura Miller Bova

    Walmart advertises that you get a $25 credit for a $75 purchase made the same day. I opened one to get the credit and made the purchase the same day. When I got my statement no credit was given. Called the bank and was told Walmart gave them information that I opened the account 11/27 but didn’t make the purchase until 12/2. I looked up my order history and in black and white it says that my order was made on 11/27. It is wrong that they would make a customer pursue the promo that is promised to them and seems completely fraudulent to give false information to the bank in order to avoid giving the promo.

    • Brendan Harkness

      Thanks for sharing, Laura.
      That sounds strange, perhaps there was a delay in processing somewhere. Did you try showing the bank proof of your purchase on 11/27?

    • Reference Experience

      Hi Laura, I just had success with getting my $25 credit. I called Walmart at this number 1 866 611 1148. The customer service rep Margo said she’ll tell someone else in another department (maybe someone in a higher up position) to manually put the credit in.

      My info isn’t falsified like yours is, so it may or not work for you. Although you called Sychrony bank and I called walmart so that might be why I had success.

      Good Luck and pay it forward by passing this info on.

  • Javier Fuentes

    If I had a walmart credit card for 1 year how can I switch to a walmart master card

    • Brendan Harkness

      @disqus_sMEQyengqq:disqus Thanks for your question. I would first try calling the customer service number on the back of your card, and asking if you can switch your account over to the WalMart MasterCard.
      If they can’t do that for you, you’ll need to apply for the Walmart MasterCard directly, as you normally would.
      Good luck!

  • Shelley Crew

    It says that the special financing can only be used only in store but they don’t carry what I’m looking at in store so how can u get the financing ??

  • S Davis

    I applied for a WM- Master Card and they sent a regular blue credit card which I already have, but in my log in, It shows I have a Master card and shows the last 4 numbers on my account, the only thing I am missing is my 3 number pin, whats the deal ? I need a master card…

  • Carlos

    I just received walmart credit card and am very confused.
    When I got approved for my credit, with a $500 limit, I made a big purchase of $450. & The credited me $35. Now, each month will I be paying interest? Even if I am paying for it each month, on time? I don’t understand what it tells me on the walmart website. Any information is much appreciated.

    • John Ganotis

      Hi @disqus_XzIXjnVGRK:disqus, I’m not sure I fully understand your question and what you mean by “credited me $35.” For most credit cards, as long as there is no introductory 0% APR or something like that, you will pay interest on anything you haven’t paid off in full. So if you bought something for $450 and only paid $35 back by the due date for that statement, you’ll get charged interest on the rest.

  • darren mcdowell

    I have s wal-mart credit card but I need to know how do I find out my Fico score each month it doesn’t show me on my profile how to do that anyone know..I called customer service she gave me equal fax number to call why would I have to do that each month call them they said they will send it to you with your monthly anybody else going through my situation.or can someone tell me how will I check my Fico score each month its not showing up in my profile each monthwhere do I check in at each month I don’t know where to go to check my Fico score every month and it’s supposed to be free where is @ each month

  • Nicole Peruski

    Let me start by saying that I would absolutely NOT recommend getting a credit card through Walmart. It’s not the card itself (though the interest rate is high, even with good credit); it’s the customer service that you’re obligated to speak to when something goes wrong with your account. After being in customer service for over 10 years myself, I will, without hesitation, state that Walmart has the WORST customer service representatives and supervisors I’ve ever worked with in my entire life. When I first received my Walmart credit card, I attempted to use my card to pay for my groceries. They charged the single charge to my card twice, which took two weeks and speaking with managers several times to get this duplicate charge removed. It was clear no one was eager to assist me and have this duplicate charge resolved. If I had not stayed on top of it, they would have had me pay for the charge twice in a heartbeat.

    I recently attempted to make two charges to my card on the same day (because I needed two separate receipts) and the second transaction was declined. I called customer service to see why this was the case, as there was more than enough balance on the card to make the payment. My account had been frozen and I was unable to verify who I was because I had changed phone numbers and no longer had access to the number I originally signed up with. I had already update my new phone number on my online account (as well as removed the old one), but Walmart never updated that in their system. They would not accept personal information, such as social security number- they specifically needed me to call from the old number, which I no longer had access to. Because I was unable to “prove” who I was by calling from the old number, I was asked my a condescending customer service manager, Anna Reeds, to mail over a copy of my ID/drivers license and paperwork from my phone carrier with my new phone number. I specifically explained to Anna that neither my ID nor paperwork had my current address (which I had also updated on my online account). She said that this did not matter; that they only wanted to see my name on both the ID and paperwork, as well as the new number. When I asked her how long it would take for them to verify this information, she told me anywhere from 14-21 days. I asked her if I would be called when the information was received and she said no. When I asked if that meant I would just have to keep calling them back, she sarcastically responded with, “yup, I guess so.” At one point, after I had attempted to give my social security information, address, etc.- Anna even made the comment, “well, we didn’t ask you for all your personal information…” in a manner that implied that if anything were to happen with my personal information- it’s on me for dishing it out.

    That day, I sent the paperwork Anna Reeds had requested with the reference number, copy of drivers license, paperwork and a note explaining the situation. I called three weeks later to ensure they received my paperwork, so, I could access my account and make a timely payment, as I always have. After speaking with a customer service representative who quickly told me that my paperwork was declined due to the address on my phone bill not matching my current address, I immediately asked to speak to a supervisor. This supervisor (Ria, who told me they can no longer give out their last names) told me, “sorry about the incontinence- what we can do is send a complaint to Anna for giving you false information,” but that I’d still have to resend all the documentation with an updated address. Basically, I had to go out of my way to get this paperwork printed out from my phone carrier as told by the rude, condescending original supervisor, Anna Reeds, mail it and wait three weeks for it to be declined. Because their is a flaw in the Walmart credit card system, they have no other way of verifying who you are as EVERY other credit card service does.

    After these two awful experiences with Walmart’s customer service supervisors, as soon as this issue is resolved, I will be paying off the balance on the card, and cancelling my card. Never again will I use them, again, solely because of their absurd policy and extremely poor customer service. My advice to anyone considering getting a card with them- do NOT do it. If you ever run into any issues (which I ran into two huge ones within one year), you will have to jump through hoops to have it resolved.

  • Reference Experience

    If anyone’s not getting the $25 credit when they have the promotion -spend $75 and get $25 credit I just had success with getting my $25 credit. I called Walmart at this
    number 1 866 611 1148. The customer service rep Margo said she’ll tell
    someone else in another department (maybe someone in a higher up
    position) to manually put the credit in.

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