How Hard Is It to Get a Walmart Credit Card?

FT Contributor
An image of the outside of a Walmart store.

If you’re a Walmart shopper, you may have heard of the Walmart credit card and wondered whether you should attempt to sign up for this card. It’s important to note that there are two different types of Walmart credit cards offered by the popular retailer. One type of card can only be used at Walmart and its family of stores and the other type can be used at most retailers.

Neither of these cards is particularly difficult to qualify for, but they offer different functions, benefits, and eligibility requirements. Therefore, before you decide which Walmart credit card to get, you should review the differences between the two cards.

Walmart Rewards Mastercard Review.

Table of Contents

Walmart Credit Card Types and Functions

The two different types of Walmart credit cards available are the Walmart Credit Card and the Walmart Mastercard. On one hand, the Walmart credit card is specific to purchases you make with the retailer. On the other, the Walmart Mastercard operates like a regular credit card. Whether you want the Walmart credit card or the Walmart Mastercard, you’re only required to fill out a single application for both cards.

To apply for a Walmart credit card, you’ll need to visit the Walmart website or a local store to complete an application. The credit card application asks for specific information, including your:

  • Name and address.
  • Phone number.
  • Social Security number.
  • Annual net income.

Once you’ve submitted your application, the system analyzes your details and decides which card you’re approved for. If you qualify for the Walmart Mastercard, the annual percentage rate (APR) you qualify for is based on your credit score. If you don’t qualify for the Mastercard, you may still qualify for the Walmart credit card since it offers more flexible minimum eligibility requirements.

You can usually obtain instant approval whether you apply online or in a local store. However, if you don’t receive your approval instantly, you can check the status of your application by calling Walmart Credit Services at 1-877-969-3668.

Walmart Credit Card

The Walmart card can be used for purchases in:

  • Walmart stores.
  • Walmart supercenters.
  • Neighborhood markets.
  • Sam’s Clubs.
  • Walmart and Murphy USA gas stations.

It can also be used to make online purchases at While you can only use your Walmart card in Walmart stores and on the website, your purchases can earn you rewards. When you make online purchases using your Walmart card, the rewards you earn are applied to your card balance. If you pay off the balance on your card on time each month, it can help increase your credit score and improve your credit history.

Walmart Mastercard

If you qualify for the Walmart Mastercard, it can be used anywhere Mastercard is accepted. When you use this card in a Walmart store or on the website, you can also earn rewards that are credited toward your card balance.

In addition, when you use the Walmart Mastercard at an outside retailer, you receive a 1% cash back on your purchases, which is also applied as a credit to your card balance. If you utilize your Walmart Mastercard responsibly and make payments on time, it can help build your credit.

What Credit Score Is Needed for a Walmart Credit Card?

To qualify for a Walmart credit card, you must have a credit score of at least 550. You will only qualify for a Walmart Mastercard with a credit score of 660 or higher. The credit limit you qualify for with each card can vary and depends mainly on your credit score and income.

Without a satisfactory financial history and income, your credit limit can be as low as $150. If you have a high credit score and can prove steady and high earnings, you may qualify for a credit limit up to $8,000 with the Walmart Mastercard.

Walmart Credit Card Features

While they can’t be used at the same retailers, the Walmart credit card and the Walmart Mastercard share the same features, which include:

  • Online Walmart purchases: 3% cash back toward the card balance for purchases made on or through the Walmart app.
  • Murphy USA and Walmart gas purchases: 2% cash back toward the card balance.
  • All other spending: 1% cash back on all other spending when you use the Walmart Mastercard.
  • No annual fee: Both credit cards charge no annual fees.
  • Free monthly FICO score: Walmart credit card and Walmart Mastercard holders can review their credit scores for free once per month.
  • Sign-up bonus: A free $25 signup bonus is included if you spend at least $25 at a Walmart store on the day you sign up for the card.
  • Promotional financing offers: Walmart occasionally offers promotions that allow cardholders to finance purchases at certain price points for no interest for six months to one year, depending on the promotional terms.

Walmart Rewards

One of the most popular perks of using a Walmart credit card or Walmart Mastercard is the Walmart Rewards program. When you use your card on Walmart purchases, you earn rewards. These rewards are automatically applied to your credit card account balance dollar for dollar. For example, if you earned $10 in Walmart rewards, these rewards are credited directly to your account balance and the balance is reduced by $10.

To remain eligible for Walmart Rewards, your account must be in good standing. If you miss a credit card payment, you won’t receive your rewards until you’ve made the payment you skipped. If you have two payments that are past due, you forfeit your unused rewards and new rewards can’t be earned until you’ve caught up on your payments.

Whether you qualify for the Walmart credit card or Walmart Mastercard, you can earn rewards that are credited back toward your balance. If you use your card responsibly, it can benefit you financially by providing good credit history and increasing your credit score.

Learn more about other popular rewards credit cards available here.

Image Source:



Want a FREE Credit Evaluation from Credit Saint?

A $19.95 Value, FREE!

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as This compensation may impact how and where links appear on this site.  This site does not include all financial companies or all available financial offers. Learn more in our Earnings Disclaimer.
Get a FREE Credit Evaluation from Credit Saint Today!