Review of the Walmart® Credit Card and Walmart® Mastercard

Brendan Harkness

Brendan Harkness | Reviews

Jul 05, 2018 | Updated May 23, 2019

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Walmart, the largest retailer in the world, offers two consumer credit cards: the Walmart Credit Card and the Walmart Mastercard. These cards provide cash back at Walmart and a few affiliated stores.

You’ll get Walmart’s “3-2-1 Save” rewards program, which consists of:

  • 3% cash back on eligible purchases (but not for purchases at physical Walmart stores!)
  • 2% cash back at participating Walmart and Murphy USA gas stations
  • 1% cash back everywhere else

There’s also a small signup bonus, a $25 statement credit after spending $75 on Walmart purchases in the first 24 hours after your account is opened.

Occasionally, cardholders will be given special financing offers, such as no interest for six months, 12 months, or 24 months. In some cases, if you don’t pay off the balance in time, these offers will charge interest going all the way back to the purchase date. So watch out!

The Walmart Credit Card and Walmart Mastercard are mostly the same, except for where you can use them. The Walmart Credit Card can only be used at Walmart, Murphy USA gas stations, and a few other retailers. The Walmart Mastercard can be used anywhere Mastercard is accepted.

If you’ve shopped at Walmart in the past, it’s likely an employee has encouraged you to apply for one of these cards.

We do not recommend getting either of these cards. They don’t offer very good rewards or benefits, and Synchrony, the issuing bank, is known for having poor customer support. Based on our reader reviews, it seems like most people agree. You could do better with other cash back credit cards that offer more rewards and can be used anywhere.

The Walmart Mastercard might be right for you if you spend a ton of money at every year. But this is a very limited use case, and we would still recommend other cards instead.

Where Can I Use My Walmart Credit Card?

The Walmart Credit Card can only be used at these locations:

  • Walmart Stores
  • Walmart Supercenters
  • Walmart gas stations
  • Murphy USA gas stations
  • Neighborhood Markets
  • Sam’s Clubs (active Sam’s Club membership required)

The Walmart Mastercard can be used anywhere Mastercard is accepted.

Walmart stores accept all kinds of credit cards, not just their own branded cards: you can pay with Visa, Mastercard, American Express, and Discover cards.

Our Rating: 1 out of 5 Stars

We give the Walmart Credit Card and Walmart Mastercard 1 out of 5 Stars each. The rewards program is almost pointless, there aren’t any great perks to speak of, and we get more complaints about these cards than almost any other.

Why we like these cards

  • 3% cash back at
  • Occasional interest-free financing offers
  • No annual fee
  • Relatively easy to get for people with less than great credit

Why these cards could be better

  • No extra cash back for shopping in-store at Walmart, you’ll only get 1% back
  • There aren’t many Walmart or Murphy gas stations, where you can earn 2% cash back
  • Some financing offers are deferred interest, which can end up costing you money
  • Only a few extra benefits
  • Poor customer service and many complaints from readers

The Walmart cards are pretty disappointing, even when it comes to retail store credit cards. Check out some better alternatives below.

Insider Advice: Using These Cards as Part of Your Credit Card Strategy

  • Consider applying for a different card: These cards are only semi-useful for shopping at, and probably only make sense if you spend a lot of money there every month. You could get a better rewards program, benefits, and customer support with a general-use rewards card.
  • Shop at Use this card to get 3% cash back at, including purchases you pay for online and pick up in-store.
  • Buy gas at some stations: You’ll get 2% back at Walmart and Murphy gas stations, but these are a bit rare. You can get a better deal at more stations with other rewards credit cards for gas.
  • Be careful with special financing offers: You may get interest-free or deferred-interest financing offers. Be sure to read the terms carefully so you don’t end up paying extra interest charges.
  • Build up a positive credit history: Retail store credit cards tend to be more accessible for people with average or poor credit, so you can use a Walmart card to improve your credit scores over time.
  • If you have one already, don’t close it: Since there’s no annual fee, you can keep this card open indefinitely to improve your credit utilization and average account age. This will be better for your credit scores than closing the card.

The Rewards

The Walmart Credit Card and Walmart Mastercard have the same exact rewards program, for both earning and redeeming.


Spending Rewards
  • 3% cash back on purchases:
    • at
    • through the Walmart mobile app
  • 2% cash back on gas at:
    • Walmart gas stations
    • Murphy USA gas stations
  • 1% cash back everywhere else
Signup Bonus Offer
  • $25 statement credit after spending a minimum of $75 at Walmart in your first 24 hours with the card

So you’ll earn 3% back only at, and when shopping through the Walmart app.

Normal purchases made in-store at Walmart will only get 1% back.

The 2% cash back for gas probably won’t be very useful to most people. Walmart gas stations aren’t common everywhere, and Murphy gas stations are mostly in the Southeast and Great Lakes regions. Take note that the Walmart cards only provide 2% back for gas, excluding any other purchases from these merchants like snacks.

Other credit cards for gas spending can provide just as much as cash back or more, and they aren’t limited to just these few stations.

The $25 statement credit is tiny, but this is typical for retail store cards. Other no-fee rewards cards offer signup bonuses that usually range from $100 to $200 for spending $500 or $1,000.

It’s possible to miss out on the $25 statement credit.

You’ll need to make $75 in Walmart purchases with the card within 24 hours of being approved for the statement credit to apply. This is true whether you apply in-store or online. For in-store applications, you’ll get a temporary shopping pass that can be used only at that store. For online applications, after being approved you’ll get a code to use with your purchase.

Some Walmarts may offer a different signup bonus if you apply in-store, like a 2-liter bottle of soda. Yay.

This rewards program is extremely limited for a store card, and it’s a bit surprising that Walmart has such a poor offer. These cards only have some potential when shopping at Walmart online, but even then it’s very slim.

The Citi Double Cash will offer 2% cash back for every purchase you make, for example, whether you’re at Walmart or anywhere else (1% back for purchases, and 1% back for payments). And, if you have an Amazon Prime account, you could use the Amazon Prime Rewards Visa Signature Card (Review) to get 5% cash back on a wide variety of items without even leaving the couch.


Your cash back will be automatically redeemed every month as a statement credit. This will simply lower your account balance.

If your account is past due, your rewards will not be issued as a statement credit until it is brought current. And if your account is two payments past due, any rewards you’ve earned will be forfeited (meaning they’re gone forever). If this happens you won’t be able to earn rewards again until the past due amount is paid.

The Benefits

The Walmart Credit Card and Mastercard come with the same special financing options, which may be offered to cardholders occasionally.

In addition to that, the Walmart Mastercard may also come with a selection of shopping and travel protections. But Walmart doesn’t officially publish those features — check your Guide to Benefits to see exactly what protections you have access to.

If you have the Walmart Mastercard and wouldn’t mind sharing your Guide to Benefits, please contact us!

No Interest Special Financing

This is the good kind of financing plan. It simply gives you some months at 0% APR, which will let you carry a balance for free. There are basically no strings attached, but remember that you still need to make a minimum monthly payment.

Offers for 0% interest may be given for certain transactions. These offers can be a good way to pay for an expensive shopping trip over time, making relatively small payments every month without accruing interest charges.

There are four different plans that might be offered:

  • No interest for 6 months
  • No interest for 12 months
  • No interest for 18 months
  • No interest for 24 months

The length of the plan will likely be based on the amount of the purchase. Larger purchases will be given a longer payoff period.

Once the time limit is reached, any remaining balance will start accruing interest at your regular rate.

However, take note that this 0% rate will only apply to the particular transaction you use it for. Any previous balance you had, and any charges you make to the card afterward, will be affected by your regular interest rate.

Walmart used to only offer deferred interest plans, but it introduced these no interest offers in May 2017.

Deferred Interest Special Financing

This is the less-good kind of financing plan. It’s not necessarily bad, but it could work against you if the terms aren’t followed carefully.

Deferred interest plans let you hold a balance at 0% APR for a specified period, like the no interest plans above. You’ll still need to make minimum payments every month, as usual.

However, with deferred interest plans, if you don’t pay off the entire balance by the due date you’ll be charged interest going all the way back to the purchase date.

There are four deferred interest plans:

  • No interest for 6 months when paid in full
  • No interest for 12 months when paid in full
  • No interest for 18 months when paid in full
  • No interest for 24 months when paid in full

Say you make a purchase with a 24-month deferred interest financing plan, and you fail to pay off the entire balance before the period ends. That means your original purchase amount will be charged interest for each of those 24 months, and you’ll be hit with a bill for all that interest at once. And your new balance will continue to be affected by your regular interest rate.

You get the plan expecting to make your financial life a bit easier, but now you’re stuck paying more than you ever needed to. If you decide to use a deferred interest special financing plan, be sure to pay off the entire balance before the due date.

Free FICO® Credit Score

If you enroll in electronic statements, you may choose to receive a monthly FICO Credit Score. You’ll also be able to see the top two factors affecting your credit scores.

This service is free, and will not hurt your credit.

Other Benefits

  • Zero Fraud Liability: You won’t be held responsible for unauthorized charges made to your account. Contact customer support immediately if you suspect fraud.

Potential Mastercard Benefits

The Walmart Mastercard may come with the following shopping and travel protections, as well as others not listed here:

  • Purchase Assurance: Provides coverage if an eligible purchase is damaged or stolen.
  • Extended Warranty: Warranties of three years or less can be doubled, up to an additional year.
  • Car Rental Collision Damage Waiver: Coverage for physical damage and theft of rental vehicles when you decline the rental company’s insurance.

The Terms & Fees

Card Purchase APR Balance Transfer APR Cash Advance APR
Walmart Credit Card 25.15% Variable None None
Walmart Mastercard 19.15%, 22.15%, or 25.15% Variable None None
Card Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
Walmart Credit Card $0  None None None
Walmart Mastercard $0  3% None None
Card Penalty APR Late Fee Returned Payment Fee
Walmart Credit Card None Up to $38 None
Walmart Mastercard None Up to $38 Up to $38

These two cards have mostly the same terms and fees, which are pretty standard for most credit cards. The only difference might be in the APR you get. But this doesn’t really matter if you pay your balance in full each month because that will prevent interest from accruing on purchases.

Cardholders may also get special financing offers, as explained above.

Payments for this card can be made online or in-store.

You can check out the full set of terms and conditions for the Walmart cards yourself.

What are the Credit Limits of the Walmart Cards?

Your credit limit for either card will be determined by your creditworthiness. If you want to request a credit limit increase, you can do so by logging in to your account online and selecting the option.

We’ve had many reports of problems with these cards, including issues with Synchrony suddenly lowering credit limits for apparently no reason. If you use one of these cards, we suggest keeping a close eye on your credit limit by logging into your online account to check every now and then.

Customer Support

Phone Support

Walmart Credit Card Customer Support


Walmart Mastercard Customer Support 1-866-611-1148

The Walmart Credit Card and Mastercard, issued by Synchrony Bank, are definitely not known for having good customer support. Synchrony probably issues more retail store cards than any other bank, and many cardholders report issues with their accounts.

Every year, J.D Power conducts its Credit Card Satisfaction Study, ranking the major card issuers on a variety of factors, including customer support. Synchrony came in 10th out of 11 issuers in 2017, and this is about where they typically rank. They usually come in last, actually, but in 2017 J.D. Power added Credit One to the list and they’re even worse!

We’ve received many complaints about the Walmart cards, ranging from negative customer service experiences to having credit limits lowered for apparently no reason. If you need to contact customer support, we recommend trying to enter a Zen state of mind first.

Web Support

Walmart Twitter Customer Support @WalmartHelp

If you have some general questions about Walmart credit cards you can send customer support a message on Twitter, @WalmartHelp. Be sure not to share any personal or account information on Twitter or any other social network.

We tweeted to Walmart’s customer support with a question about the signup bonus, and they got back to us surprisingly quickly for such a large company. Their responses took a couple hours or so, on average. But keep in mind that we were just dealing with Walmart’s general customer support here, not Synchrony’s customer support for the Walmart Credit Card or Mastercard, which will be different.

The Bottom Line

The Walmart Credit Card and Walmart Mastercard might be slightly useful if you spend a lot of money at But there are better card offers out there, and since many people report problems with these cards it’s probably best to simply avoid them.

You’ll get 3% back at but only 1% back for in-store Walmart purchases, which seems pretty ridiculous. You can get 2% back for online shopping with other cards, which aren’t limited to just either. And every other reward card offers at least 1% back for in-store Walmart purchases, so there’s no advantage there.

The interest-free special financing offers are probably the best feature of these cards. These are simply 0% APR periods you can use to pay off a balance without accruing interest, and there’s nothing wrong with that.

However, the deferred-interest plans could charge you a lot of interest if you don’t pay off the balance in time. They’re fine as long as you pay off the full balance by the due date, but there’s more risk with these plans.

We don’t recommend either of the Walmart cards, even if you tend to shop at Walmart pretty frequently. Check out our alternative recommendations below, some being other retail store cards and some general-use rewards cards.

How to Apply for the Walmart Credit Card or Mastercard

To apply for either of these cards, just click the Apply Now button below. You can also apply at Walmart stores, either at a register or jewelry kiosk.

You’ll typically get an instant decision, either yes or no. In some cases it might take a bit longer, and Synchrony may ask for more information to process the application.

If you apply for a card in-store and are approved, you’ll get a temporary shopping pass that’s good for 24 hours only at that particular store.

Retail store credit cards don’t have the best terms and features, but they tend to be more accessible for people with average or poor credit scores. If you’ve had a hard time being approved for better rewards cards, you might be able to start with a Walmart card. After building up your credit for a while by using it responsibly, you’ll be able to qualify for more valuable cards.

Qualifications and Requirements

  • Must create a Walmart account when applying online or through the mobile app
  • Must bring a valid ID when applying in-store
  • Must be 18 to apply
  • Personal identifying information, including SSN, email address, and phone number
  • Total annual income, and source of income
  • Monthly mortgage/rent payment

Alternatives to the Walmart Credit Card and Mastercard

There aren’t any amazing credit cards for shopping at Walmart, unfortunately. Some cards have categories for grocery stores or wholesale stores, but Walmart is not usually included in these.

Still, there are a few good general-use cash back cards to earn rewards at Walmart. Or, if you could do your shopping at Target or Costco instead, they have better card offers you might like.


Target offers most of the same types of products and services as Walmart, so you could potentially use the Target REDcard™ Credit Card (Review) for the same kind of shopping. This card can only be used at Target and It’s issued by T.D. Bank, not Synchrony.


Spending Rewards
  • 5% cash back on eligible purchases at:
    • Target

So you’ll simply get 5% cash back for Target purchases, whether you’re shopping online or in-store. Way better than the 1% for in-store purchases offered by the Walmart card, and significantly better than the 3% back at

The 5% cash back includes purchases from Starbucks cafes located inside Target stores, which is perhaps the best credit card reward you’ll find for Starbucks. But it does not include prescriptions, over-the-counter pharmacy items, eye exams, most gift cards, and some other purchases.


The REDCard comes with a few nice perks for frequent Target shoppers, which could end up saving you a fair bit of money over time:

  • Free Shipping: Get free standard shipping for most purchases, with some limitations.
  • Early Access: Cardholders have early access to select events, products, and promotions.
  • Anniversary Offer: Sign up for marketing emails from Target to get a special offer each year after your account anniversary.
  • Exclusive Extras: Special items, gifts, and offers exclusively for REDCard holders.
  • Specialty Gift Cards: Save 5% on select gift cards for restaurants, movie tickets, travel, and more.

Terms & Fees

The Target REDCard has no annual fee. The purchase APR is 25.15% Variable, quite a high interest rate but typical for a store card.

The Target credit card is much more rewarding than the Walmart cards, and it has some decent benefits too. If you could switch from Walmart to Target and do a lot of shopping there, this card could be a good pick for you.

Target also offers a debit card that will link to your checking account, the Target REDcard™ Debit Card (Review). It actually offers 5% cash back and has the same other features too, a very rare find outside of credit cards.

Read more in our Review of the Target REDCard Credit Card


If you shop at Costco already, you might want to use the Costco Anywhere Visa® Card by Citi (Review). You can get it for free with your Costco membership, it’s one of the best cards for gas rewards, and it has a few other decent features you might like.

It’s a store card but since it’s issued by Citi you’ll know that you can get decent customer support, especially compared to Synchrony.


Spending Rewards
  • 4% cash back on eligible gas worldwide, including gas at Costco; up to $7,000 per year
  • 3% cash back:
    • at restaurants
    • on eligible travel purchases
  • 2% cash back on all other purchases from:
    • Costco
  • 1 % cash back on all other purchases

With 4% cash back on gas, there are few other cards that can beat the Costco Anywhere Visa for fuel. The 3% cash back at restaurants and for travel is pretty competitive too.

2% cash back at Costco doesn’t seem like a lot, but this is actually one of the better deals you’ll find for Costco shopping. Although you can buy groceries at Costco, most credit cards won’t count it as a grocery store. Instead it will likely be seen as a warehouse club, and there aren’t many reward cards with warehouse club bonus categories.


There aren’t many great benefits with the Costco card, unfortunately:

  • $20 Costco Cash Card: If you join Costco by purchasing a new Executive Membership you’ll get a $20 Costco Cash Card.
  • Just pay with the Costco Visa: Your credit card will be counted as your membership card when making Costco purchases.
  • Shopping and Travel Protections: Like Purchase Protection, Extended Warranties, Worldwide Accident Insurance, and Trip Cancellation and Interruption Insurance.

Terms & Fees

The Costco Anywhere Visa is free to apply for if you have a Costco membership. The basic Gold Star membership costs $60, while the Gold Star Executive membership costs $120.

The purchase APR is lower than your average store card, at 17.24%* (Variable). There are no foreign transaction fees. That’s a bit odd to see on a store card, but it does have a travel bonus category so it seems to make sense.

The Costco card is more expensive to use than the Walmart cards, but if you already have a Costco membership then this would make no difference to you. If you’re shopping at Costco and you’re not getting at least 2% back, you should consider applying for this card.

Read more in our Review of the Costco Anywhere Visa Card by Citi


The Citi® Double Cash Card - 18 month BT offer (Review) is an excellent cash back card for all-around shopping, offering the same reward no matter what you buy or where you are.


Spending Rewards
  • 2% cash back for every purchase
    • 1% cash back when you make a purchase
    • 1% cash back when you pay for that purchase

That’s it, very simple. You get 2% cash back whether you’re making online or in-store purchases, from any merchant. That’s more than the Walmart cards offer for in-store Walmart purchases, and a bit less than what you’d get for purchases. But the Double Cash can be used anywhere, not just Walmart, and it’s backed by better benefits and customer support too.


The Double Cash has some interesting benefits for a no annual fee card, particularly the first two here:

  • Citi Price Rewind: A better take on the standard price protection, this service will search the internet for lower prices for your purchases and provide reimbursement if any are found (up to $200 per item, up to $1,000 per year).
  • Personal Concierge Service: Call 1-800-508-8930 to speak with your own personal assistant, for help with all kinds of non-emergency tasks.
  • Citi Private Pass: Get preferred access and presale tickets to select events and experiences, including music, sports, dining, and theater.
  • Free FICO Bankcard Score 8: Keep tabs on one of your FICO scores, based on your Equifax credit report.
  • Quick Customer Service: Call customer support and say “representative” to be connected with a human rep more quickly than usual.
  • Shopping and Travel Protections: Including Purchase Protection, Worldwide Travel Accident Insurance, Identity Theft Solutions, and Fraud Protection.

Terms & Fees

There’s no annual fee for the Citi Double Cash card. Foreign transactions have a 3% fee.

Cardholders get a 0% intro APR for 18 months, quite a long time to pay off a balance at no interest. That long period makes this one of the best balance transfer credit cards, although you’ll still need to pay a fee for the transfer. After that term you’ll get a rate of 15.99% – 25.99% (Variable).

Read more in our Review of the Citi Double Cash Card


The Journey® Student Rewards from Capital One® (Review) is a student card designed for average credit, but you don’t actually have to be a student to apply for it.

That means anyone with average or perhaps even poor credit scores can use it to earn rewards while building up his or her credit. It’s generally a better option for building credit than a store card or a secured credit card.


Spending Rewards
  • 1% cash back on all purchases
    • Pay on time and that goes up to 1.25% cash back

This card encourages you to make timely payments, with a little boost to the cash back you’ll earn. It’s not much, but it’s not that bad for a card designed for average credit.

The Journey Student isn’t very rewarding by any means, but it does provide more than the Walmart card for in-store Walmart purchases.


As a low-level student card, you won’t get a lot of luxurious perks with this card. But you will get several benefits, including:

  • Access a higher credit line: Make your first five monthly payments on time and you’ll be granted a higher credit limit.
  • Capital One CreditWise: Monitor your VantageScore 3.0, based on your TransUnion credit report. You can also check data from your TransUnion report for free, a rare feature. This service is available to everyone, cardholder or not.
  • Extended Warranty: Eligible manufacturer’s warranties of three years or less can be doubled, up to an additional year.
  • Auto Rental Collision Damage Waiver: Provides coverage against damage and theft of rental vehicles, as long as the rental company’s insurance is declined.
  • Travel and Emergency Assistance: Call for help finding local emergency services, like medical and legal referrals.
  • Travel Accident Insurance: Up to $100,000 in coverage against accidental loss of life, limb, sight, speech, or hearing.

Terms & Fees

The Journey Student card has no annual fee, and there are no foreign transaction fees.

If you don’t have the best credit and you’re checking out the Walmart card as a way to help improve it, consider the Journey Student instead. It will provide more cash back on in-store Walmart purchases, as long as you pay on time. And it’s backed by Capital One’s customer support, which is quite good compared to other issuers.

Read more in our Review of the Capital One Journey Student Credit Card

For other credit cards designed to help build your credit, take a look at our picks for the Best Credit Cards for Fair or Average Credit.
The Walmart cards aren’t that great, and we don’t recommend getting either of them. To see some other options check out the Best Retail Store Credit Cards.

If you use one of these credit cards, how do you like it? Have you had any problems? Leave your own review of the Walmart Credit Card or the Walmart Mastercard, we’d love to hear from you!

Looking for a rewards credit card you can use anywhere?

Browse rewards credit cards on our partner’s site below.

Rewards Credit Cards

  • Earn rewards with your everyday spend, and get a little closer to your next vacation.
  • Use rewards to book hotels, air travel, gift cards, or to cover travel expenses like Uber.
  • Loyalty pays off — earn additional rewards when you use your card to book a qualifying trip with your favorite hotel or airline.
  • Enjoy additional travel perks like travel insurance, waived foreign transaction fees, and airport lounge access.
  • Terms vary by partner offer. Please see each bank’s application for terms and conditions.
  • Clicking Apply Now will take you to where you can compare Travel Rewards cards from participating partners.

Apply Now!

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  • Mac Mathew

    Walmart mastercard sucks, beleive me. You will relaize once you have an issue and you have to deal with customer service or supervisor. It will be a joke !!!!!!

    • I believe, Walmart credit cards and Walmart mastercard are two of the best credit card services – specifically – for customers of Walmart.

  • Raman Sidhu

    Walmart card is surely NOT recommended !!!!!
    They have the most unethical and rude service ever. The most not professionals, infact could be pretty rude and bullies ! HORRIBLE

  • Walmart Mastercard is one of the most popular. I think.

  • Samantha Naylor

    They claim you owe more than you do. They flat out LIE! Just yesterday I checked my account online and it was $90. I checked it online today and it was $120. No new charges were posted and I have not used the card. No new charges were made. This is not the first time this has happened. Just last month they claimed I owed them 18 more dollars than what I owed. NEVER AGAIN!!!!

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