Walmart attracts over 250 million visitors daily, bringing a range of affordable products. For frequent shoppers worldwide, the Walmart Credit Card offers appealing benefits, enhancing the shopping experience both in-store and online.
The Walmart Credit Card application process is straightforward, providing the key details needed to get started quickly. Applying online lets you skip in-person visits, bringing convenience to cardholders around the globe.
This guide breaks down Walmart’s credit card features, rewards, fees, and online application steps, ensuring users worldwide can maximize its benefits, whether they are applying for the first time or are already using it.
Walmart Overview
Walmart is a global retail giant, serving customers across the U.S., Latin America, and beyond with a wide range of products. Known for a broad selection and operational excellence, Walmart ranks among the top-earning companies in the U.S.
Types of Walmart Credit Cards
The Walmart credit card program offers two main options tailored to different shopping needs: the Capital One Walmart Credit Card and the Walmart Rewards Credit Card.
Each comes with unique benefits, allowing customers worldwide to select one that fits their shopping habits best.
Capital One Walmart Credit Card
Issued through Mastercard since 2019, the Capital One Walmart Credit Card has no annual fee, making it a budget-friendly option for regular Walmart shoppers.
This card delivers competitive cashback rewards on essentials, groceries, and more. Here’s the cashback breakdown:
- 5% on purchases made through Walmart.com or the Walmart app, including Grocery Pickup and Delivery.
- 2% on in-store buys and fuel purchases at Walmart and Murphy USA gas stations.
- 1% on other purchases outside the Walmart network.
In addition, the card offers convenient online management for tracking purchases and rewards, plus exclusive Capital One benefits like travel insurance, concierge service, and extended warranties.
This card is ideal for online shoppers, especially those with good credit, maximizing cashback on Walmart’s digital platform.
Walmart Rewards Credit Card
The Walmart Rewards Credit Card, also fee-free, is geared toward Walmart-only use, providing cashback exclusively within the Walmart network. Here’s what cardholders can expect:
- 5% back on Walmart.com and app orders.
- 2% back on in-store Walmart and Murphy USA gas purchases.
- 1% on purchases made at Sam’s Club and its gas stations.
This card is a great option for frequent in-store shoppers or those who might not meet the credit requirements for the Capital One Walmart Credit Card.
It’s a straightforward choice for loyal Walmart shoppers worldwide, making it easier to earn while sticking to a familiar shopping routine.
Both Walmart credit cards make it easy to manage rewards and track purchases online, allowing users to stay in control of their finances while shopping across the Walmart platform.
Walmart Credit Card: Key Points for Worldwide Shoppers
The Walmart Credit Card, issued in partnership with Capital One, offers two options tailored for those looking for financial flexibility on Walmart purchases.
Designed for seamless purchasing at Walmart, this card comes packed with perks for managing expenses while earning rewards.
Key Features of the Walmart Credit Card:
- There is no annual fee, keeping it cost-effective.
- A rewards program that adds value to Walmart purchases.
- Rewards are redeemable for products, gift cards, or travel.
- Simple online application accessible worldwide.
- Mobile app for easy, on-the-go account management.
Walmart Credit Card: A Unique Option Worldwide
The Walmart Credit Card offers distinct advantages over conventional credit cards, designed for frequent Walmart shoppers and global users.
- Exclusive Promotions: Access to special promotions exclusively at Walmart, ideal for regular shoppers.
- Worldwide Use: Benefits aren’t limited to the U.S. They apply to Walmart stores and partner establishments worldwide.
- Fraud Protection: Zero liability on fraudulent charges if the card is lost or duplicated.
- Cashback Rewards: Up to 5% cashback on Walmart purchases, as well as at gas stations, restaurants, and partner stores.
How the Walmart Credit Card Operates
In the U.S., the Walmart Credit Card functions like any standard card, with one version backed by MasterCard for worldwide use, allowing purchases in various locations globally.
The card encourages spending at Walmart, delivering perks specifically for in-store purchases. A closed-loop version is also available, usable only at Walmart stores in the U.S., tailored for a store-centric experience.
Requirements to Apply for the Walmart Credit Card
To apply for the Walmart Credit Card, specific criteria apply:
- A valid identification document confirming legal status in the United States.
- A legally registered address within the U.S.
- A verifiable income source.
Applicants are also expected to have a strong credit history, showing responsible management of similar financial products.
Negative credit records may impact the application’s approval. The Walmart Credit Card is accessible worldwide for those meeting these requirements.
How to Apply for a Walmart Credit Card Online
Applying online for a Walmart Credit Card is simple and accessible to a worldwide audience. Here’s a direct guide to help you through the process.
Online Application Process
The online application is quick and only requires a few steps. Gather the necessary information for a smooth experience.
Steps to Start the Application:
- Visit the Official Website: Access Walmart’s official site and locate the credit card application page.
- Click “Apply Now”: Start the application form by selecting this option.
- Choose the Card Type: Pick the Walmart Credit Card option that matches your needs.
- Review Terms and Conditions: Take a look at the terms provided and confirm your understanding.
Required Personal Information
Certain details are needed to complete the application:
- Full Name and Address: Used for identity verification.
- Social Security Number: Determines eligibility.
- Employment and Income Information: Required for financial assessment.
- Email and Contact Information: For application updates.
Completing the Application
After entering all required details, wrap up with these steps:
- Review All Information: Double-check for accuracy.
- Submit the Application: Confirm submission when details are accurate.
- Wait for Confirmation: The system will confirm receipt of your application.
Approval Process
Once submitted, the approval process begins. The timeline varies, so here’s a quick overview.
Timeline for Approval
Most applicants receive a response within minutes, though it may take up to several days in some cases. Additional verification may be requested.
What to Expect After Applying
Once your application is processed, here’s what follows:
- Initial Approval Status: Receive an email update.
- Verification Requests: Watch for any further verification emails.
- Card Delivery: Upon approval, expect your Walmart Credit Card in the mail within a few business days, ready to use worldwide.
Benefits of Applying for the Walmart Credit Card
The Walmart Credit Card brings valuable perks to shoppers, making it an attractive option worldwide. Key benefits include:
- A MasterCard-backed version is available for use like a regular credit card.
- Simple online application process.
- Minimal application requirements.
- Exclusive Walmart discounts and special offers.
- Rewards on purchases with access to a rewards program.
- Rewards redeemable for products, travel, or even card credit.
- Cash advances and transfers are available.
- No annual fee.
A standout feature is the ability to apply online through the Walmart website or app and receive instant approval.
Disadvantages of Applying for the Walmart Credit Card
While the Walmart Credit Card offers numerous benefits, one limitation is that the closed-loop version restricts usage to Walmart, which limits purchase options elsewhere.
For wider use, the Rewards version allows spending at additional retailers, expanding the card’s flexibility worldwide.
Interest Rate Applied
The Walmart Credit Card offers a variable APR on purchases, ranging between 17.99% and 27.74%, depending on credit risk as evaluated by Capital One.
Cash advances carry a fixed interest rate of 27.74%, applying to all monthly cash withdrawals.
Additional Fees for Walmart Credit Card Usage
The Walmart Credit Card has no annual fee, but certain usage fees apply.
Cash withdrawals incur a 3% fee of the total amount or $10, whichever is higher. Balance transfers are also charged a 3% fee of the amount transferred.
Late or missed payments result in a higher interest rate and additional administrative fees.
Walmart Credit Card Contact Information and Assistance
For direct support on the Walmart Credit Card, contact the bank at 1-877-860-1250.
Address any written inquiries to 702 S.W. 8th St., Bentonville, AK 72716. Representatives are available during business hours to provide guidance on application questions and other concerns.
Disclaimer: Rates and terms may vary, so it’s best to check the official website for the latest information.
Conclusion
Applying for the Walmart Credit Card is straightforward and accessible online or in-store. This card delivers valuable rewards and benefits, ideal for frequent shoppers worldwide.
Key factors include eligibility requirements, interest rates, and benefits. Gather the required details and review the terms carefully to make an informed decision before submitting the application.
