How To Make a Walmart Credit Card Payment

Walmart store
Ken Wolter /

With approximately 10,800 stores in 25 countries, Walmart is a leader in the retail business. By offering a broad range of items at everyday low prices, such as electronics, apparel, furniture, household goods and more, Walmart has become a one-stop shop for millions of customers. And with a Capital One Walmart Rewards card or a Walmart Rewards card, both issued by Capital One, consumers can get even greater savings and rewards.

When you open a Walmart Rewards or Capital One Walmart Rewards card, you’ll earn 5% in rewards for 12 months on your in-store purchases when you use your credit card and pay with Walmart Pay. Other rewards, which are exclusive to the Capital One Walmart Rewards Card, include 5% cash back on purchases and 2% cash back on travel and purchases at gas stations and restaurants.

Once you use your card for purchases, you’ll want to be sure to pay your bill on time each month to avoid late fees and keep your account in good standing. Here are your options.

Make a Payment Online

Before making a payment online, you’ll need to register for online account access. Here’s how:

Earn More Perks From Your Credit Card
  1. Navigate to the Walmart credit card login page.
  2. Select “Set Up My Account.”
  3. Provide your last name, Social Security number or bank account number and birthdate.
  4. Select “Find Me.”
  5. Follow the remaining prompts to choose a username and password.

Once your account is set up, you can make an online payment. Here’s how:

  1. Go to the Walmart credit card login page.
  2. Sign in with the username and password you chose during registration.
  3. Select the “Make a Payment” tab.
  4. Select the amount you want to pay, the date you want to make the payment and where the funds will come from to complete the transaction.

Make a Payment by Phone

You can also make your Walmart credit card payment over the phone by calling the Capital One customer service number at 877-294-7880. The service is free if you opt for the automated system. If you talk to a representative, a $10 fee will apply. Be sure to have the following information ready when you call:

  • The last four digits of your Walmart credit card account number
  • Your bank account number and bank routing number

Make a Payment in Person

Sometimes it’s just as easy to pay your credit card bill at the store if you already have a trip to Walmart planned. Once there, you can visit Walmart Credit Services and make your payment. Or, if you prefer, you can make a payment at the self-serve kiosk. Use the Walmart store locator to find the location nearest you.

Make a Payment by Mail

When you receive your Walmart Rewards or Capital One Walmart Rewards credit card account statement in the mail, you’ll find an attached payment coupon you can tear off and mail back with your payment. If you lost your payment coupon or you want to make an extra payment, write your account number on your check or money order and mail it to:

Capital One
Attn: Payment Processing
P.O. Box 71083
Charlotte, NC 28272-1083

If you need to make an express payment, use this address:

Earn More Perks From Your Credit Card

Capital One
Attn: Payment Processing
6125 Lakeview Rd, Suite 800
Charlotte, NC 28269

What If My Walmart Credit Card Payment Is Late?

Each month your Walmart credit card has a balance, you’re required to make your payment by the due date listed on your billing statement. If your Walmart credit card payment is late, you can use any of the available payment methods to bring your account current. However, a late fee of up to $39 may apply.

This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Capital One.

This article has been updated with additional reporting since its original publication.

Information is accurate as of Sept 30, 2021. 

About the Author

Alicia Bodine is a New Jersey-based writer specializing in finance, travel, gardening and education. With more than 13 years of experience, her work has appeared in, Livestrong, eHow, USA TODAY, GlobalPost, and wiseGEEK.

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