Applying for a Walmart Credit Card is an easy way to earn rewards, save on purchases, and enjoy special financing offers.
This card is perfect for frequent shoppers and those looking for savings at one of the most popular U.S. retailers.
In this guide, we’ll walk you through the entire application process step by step.
Eligibility Requirements
Before applying for the Walmart Credit Card, meet the requirements.
This ensures your application has the best chance of approval. Here’s what you need to know:
- You must be at least 18 years old.
- You must be a U.S. citizen or legal resident.
- Proof of income or employment may be required to confirm your ability to repay.
- A good credit score is recommended, although options for those with less-than-perfect credit may exist.
Checking these eligibility requirements beforehand can help streamline the application process.
Types of Walmart Credit Cards
Walmart offers two main types of credit cards. Knowing which one suits your spending habits can help you choose the right option:
- Walmart Rewards Card: Earns points for purchases made at Walmart stores and online.
- Walmart Mastercard: Offers all the benefits of the Rewards Card but also allows you to earn cashback on purchases made anywhere Mastercard is accepted.
The choice between the two depends on whether you prefer to earn rewards on in-store purchases only or want cashback on purchases outside of Walmart.
Features and Benefits
Understanding the benefits of each card can help you decide if it’s worth applying for. Below are some key features and benefits:
- Earn Points on Purchases: The Rewards Card lets you earn points on purchases made at Walmart, which can be redeemed for discounts on future purchases.
- Cashback: The Mastercard offers cashback on all purchases, whether you shop at Walmart or elsewhere.
- Exclusive Offers: Cardholders can access special promotions and discounts, including exclusive Walmart-only deals.
- Walmart+ Membership Discounts: Certain cardholders may receive benefits related to Walmart’s membership program, including free shipping on grocery orders.
These features help make the card a valuable addition to your wallet, offering rewards for your shopping and helping you save more.
Interest Rates and Fees
Before applying, it’s essential to understand the associated costs. Below are the primary fees and interest rates linked to the Walmart Credit Card:
- APR: Expect an annual percentage rate (APR) of 17.99% to 26.99% for purchases, depending on your creditworthiness.
- Late Payment Fees: Missing a payment may result in a late fee of up to $38.
- Annual Fees: There is no yearly fee for the Walmart Credit Card.
- Cash Advance Fees: If you take out a cash advance, expect a fee of either $10 or 5% of the amount, whichever is greater.
Understanding these rates and fees will help you manage your card responsibly and avoid costly mistakes.
How to Apply Online
Applying for a Walmart Credit Card online is straightforward and convenient. Here’s a step-by-step guide to using online:
- Visit the Official Walmart Website: Go to the Walmart Credit Card application page on their website.
- Fill Out the Application Form: You must provide personal information, including your name, address, and social security number.
- Submit Your Financial Information: You must enter your income details, employment status, and other relevant financial data.
- Submit Documents: You may need proof of identity and income, such as a driver’s license or pay stub.
Online applications are typically processed quickly; you can receive approval in minutes.
How to Apply In-Store
You can also apply for the card at one of their store locations. Here’s what you need to do:
- Visit a Walmart Store with a Credit Center: Most Walmart locations have a designated credit center where you can apply for the card.
- Fill Out the Application Form: The store representative will assist you with completing the application form.
- Provide Necessary Documentation: Bring identification, proof of income, and other requested documents.
- Wait for Approval: The store representative will inform you immediately whether you’re approved or if further review is necessary.
In-store applications might take longer, but you can get immediate assistance if you have any questions about the application.
What Happens After You Apply
Once you’ve submitted your application, here’s what happens next:
- Approval Process: You’ll receive your new card and activation instructions if your application is approved.
- Denial: If your application is denied, you’ll know why. If you believe the decision was made in error, you can dispute it.
- Impact on Credit: Applying for a credit card will result in a hard inquiry on your credit report, which may impact your credit score.
It’s essential to wait for the official decision and take note of your approval or denial status.
Credit Card Activation
Once approved, it’s time to activate your card so you can start using it. Here’s how to activate it:
- Online Activation: Visit the card activation website or follow the instructions included in your approval email.
- Phone Activation: You can also activate the card by calling the provided number on the card.
- Set Up Your Online Account: After activation, set up an online account to manage your card, view your transactions, and make payments.
Activating your card promptly ensures you can start enjoying your benefits and using it for purchases right away.
Managing Your Account
Managing your Walmart Credit Card is simple. Here are the main ways to keep track of your account:
- Log In Online: You can access your account online or through the mobile app to view your balance, recent transactions, and rewards.
- Make Payments: Pay your balance on time to avoid late fees and interest charges.
- Track Rewards: Monitor your rewards balance and redeem points for discounts or other offers when available.
- Customer Support: Contact customer service if you have any issues or questions regarding your account.
Regularly monitoring your account helps you stay in control and avoid unnecessary fees.
Contact Information
Having the correct contact information ensures that you can get help when needed. Here’s how you can reach customer service:
- Phone Support: For any issues or questions, contact customer service at 1-877-294-7880.
- Email Support: You may also email us with inquiries or concerns.
- Online Help Center: Visit Walmart’s online customer service portal for FAQs and more information on managing your account.
- In-Store Assistance: If you prefer in-person support, visit a Walmart store and speak with a customer service representative.
Knowing how to reach customer support helps you resolve any issues quickly and efficiently.
The Bottomline
Applying for a Walmart Credit Card offers great rewards and savings, making it a valuable tool for frequent shoppers.
By understanding the eligibility requirements, benefits, and fees, you can make an informed decision before applying.
If you’re ready to start earning rewards, apply for your Walmart Credit Card today and take advantage of its benefits!
Disclaimer
The information provided in this article is for informational purposes only and is subject to change.
Please review the official Walmart Credit Card terms and conditions for the most up-to-date details on eligibility, fees, and benefits.