How to Apply for a Walmart Credit Card

Here’s how to get a Walmart credit card and enjoy its benefits.

With cash back rewards such as 3 percent back on all Walmart purchases, 2 percent back on purchases at Murphy USA and Walmart gas locations, and 1 percent back on all other purchases anywhere the card is accepted, the Walmart credit card offers a good incentive to consumers. Learn how to get a Walmart credit card so you can start earning rewards every time you shop and get the most bang for your buck at Walmart.

Steps to Apply for a Walmart Credit Card

The Walmart credit card is not accepted everywhere, but it’s beneficial to those who frequent the retailers where the card is accepted, including:

  • Walmart Stores
  • Sam’s Clubs
  • Walmart Neighborhood Markets
  • Walmart.com

Check Out: 14 Items That Are Always Cheaper at Walmart

Taking advantage of the Walmart credit card’s cash-back offerings is easy once you’ve applied and been approved for the card. Follow these steps to get your Walmart credit card:

1. Pick Up a Walmart Credit Card Application

You can pick up an application at three different locations:

  • Walmart store register
  • Walmart jewelry kiosk
  • Walmart website

2. Review the Walmart Card Terms and Conditions

Before you fill out the application, read and understand the card’s terms and conditions, which are listed directly on the application. Although the annual percentage rate varies based on current market conditions, it typically runs around 23.90 percent for the Walmart credit card, which is fairly high.

Payment due dates are always 23 days after the close of each billing cycle and a fee of up to $38 is imposed if the payment is late. You can ensure payments are made in a timely manner by taking advantage of the many ways to pay: online, e-Payment, telephone, mail, in the store or by using CheckFree. 

3. Fill Out the Walmart Credit Card Application

Provide your name, mailing address, how long you’ve lived at that address and your telephone number. Next, add your email address before listing your annual net income.

Select whether you want your Walmart credit card payment statements delivered in the mail or electronically, as well as your preferred language. Finally, supply your date of birth, Social Security number, and mother’s maiden name before checking the “I Agree” box and clicking the “Accept and Submit” button. 

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4. Wait for Your Credit Check to be Completed

Walmart credit services obtains your credit report to determine your current credit score. Fortunately, a person’s creditworthiness when it pertains to the Walmart credit card is not as big of a factor in determining eligibility as it would be if you were applying for a Walmart Mastercard.

Because the card is issued by Synchrony Bank, you can also expect the information you enter on the application to be verified. This protects the company from fraud by ensuring your application is valid.

Using Your Walmart Credit Card

The Walmart credit card is different from a Walmart Mastercard, which is accepted anywhere Mastercard is accepted. The Walmart credit card is accepted only through the Walmart online portal, at any Walmart store or Walmart neighborhood market. Additionally, Sam’s Clubs, which is owned by Walmart, also accepts the Walmart credit card. Individuals who do not possess a Sam’s Club membership will incur a 10 percent service fee when they use the card at the wholesale store.

Learn: Why the Walmart MoneyCard Is Among the Best Prepaid Cards

The Walmart credit card can be ideal for individuals and families who regularly shop at Walmart and would benefit from the cash-back rewards program. It’s not the best option for those who make most of their purchases outside of Walmart and Sam’s Club, or for anyone whose credit score qualifies them for a lower APR.