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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.
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.
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.
|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%|
|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.