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Walmart® Credit Card Review

EDITOR’S NOTE:  The Walmart® Credit Card and Walmart® Mastercard® offers mentioned in this article have expired and are no longer available

Walmart® offers two credit cards. One is a regular store credit card, the Walmart® Credit Card and the other is a Walmart® Mastercard®. The Walmart® store card is like any other store card, meaning that it is only good for making purchases at Walmart® or one of its family stores, such as Sam’s Club®. The Walmart® Mastercard®, on the other hand, is a credit card that you can use wherever Mastercard® is accepted.

Walmart® Credit Card highlights

Rewards earned on purchases3% back on,
2% back on Walmart and Murphy USA gas stations
1% on other eligible purchases with the Walmart® Mastercard®, 1% on other eligible Walmart® purchases with the Walmart® Credit Card
(some exclusions apply)
Bonus OfferIf approved for a Walmart Credit Card online, you can save 20% up to $50 on your first online purchase made on the same day as the application. Offer ends June 14, 2017
Annual Fee$0

Walmart® Credit Card basics

walmart-credit-cardAnyone can apply for a Walmart® Credit Card, but we think they may be geared toward consumers who have average or limited credit. The Walmart® Mastercard® has more stringent credit requirements than the store card, so if you are interested in building or rebuilding your credit score, the store card is a good first step.

Both cards allow cardmembers to earn rewards through the 3-2-1 Save Rewards program. Cardmembers can earn:

  • 3 percent back on purchases made on Walmart®.com, which include purchases made on the Walmart® App
  • 2 percent back on fuel purchases made at either Walmart® or Murphy USA (excluding Murphy Express) gas stations
  • 1 percent back on other eligible purchases made at Walmart® locations with the Walmart® Credit Card. With the Walmart® Mastercard®, 1 percent back on other eligible purchases from Walmart locations and from any merchant that accepts Mastercard credit cards
  • Cash back is applied as a credit to your statement

Walmart® Credit Card pros

thumbsupConsumers with no credit or average credit may have a shot at qualifying for the Walmart® Credit  Card (the store card), so it may be an option for those looking to build or rebuild credit.

The bonus offer of 20 percent off online purchases made on the first day can be stacked with in-store sales for real savings.

We always like cards with no annual fee.

It can be hard to earn enough rewards on some fee cards to negate the cost of owning the card.

Walmart® Credit Card cons

thumbsdownYou may find that your credit limit is as low as $150. Some consumers complain that this limit doesn’t allow meaningful card use. The way to raise the credit limit is to use the card sparingly and pay it off in full each month. Patience and good financial behavior are key.

Interest rates on both cards run on the steep side. If you tend to carry a balance, look for a financing option that will allow you to pay down your debt at a lower cost.

Should you get this credit card?

While the Walmart® Credit Card certainly isn’t the most advantageous credit card for people with great credit, with responsible use by you, it could help you get back on track or build your credit if you are starting over or starting from scratch, keep in mind this version of the credit card can only be used for purchases at Walmart®  or one of it’s family of stores such as Sam’s Club®.

The Walmart® Mastercard®, on the other hand, is a credit card that can be used wherever Mastercard® is accepted.

If Walmart® is your place to shop the Walmart® Credit Card or the Walmart® Mastercard® could be just the ticket to get some nice cash back rewards.

Independent Review Disclosure: All the information about the Walmart® Credit Card and the Walmart® Mastercard® has been collected independently by and has not been reviewed or provided by the issuers of these cards. The Walmart® Credit Card and the Walmart® Mastercard® are not available through

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Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click on the “Apply Now” button, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

The information, including card rates and fees, presented in this article is believed to be accurate as of the date of the article. Please refer to issuer website and application for the most current information. Verify all terms and conditions of any offer prior to applying.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

Disclaimer: The article and information provided here is for informational purposes only and is not intended as a substitute for professional advice.

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved.
Published July 8, 2016
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Scott Owens•  August 7, 2016 Edit
Whatever anybody does please do not get credit one they are the biggest rip off ever they make it hard for you to make your payments they want your bank routing number and account number for payment or they take debit and charge you $9.95 fees each time and for some reason it takes forever to get a payment show up on your report and they max you out 100 percent if you're free is not paid in full if you do make the mistake and if I apply for the credit one instead of Capital One you will pay for it I've had the card for 4 months and I paid $159 in interest fees