The Walmart Credit Card annual fee is $0. To be more precise, both the Walmart Credit Card and the Walmart® Store Card have a $0 annual fee. That makes either one great even if you don’t plan to use the card every day. Not having to pay an annual fee also makes the Walmart Credit Card rewards go even further. Both Walmart cards offer 5% cash back at walmart.com, 2% back on Murphy USA and Walmart gas and in Walmart stores, among other perks.
So, the Walmart Credit Card annual fee and bonus rewards are almost the same whether you get the Mastercard or the store card. They also both require an at least fair credit score for approval. But there are some important differences. You can use the Walmart® Store Card for Walmart, Murphy USA and Sam’s Club purchases, while the Walmart Credit Card can be used anywhere Mastercard is accepted. At this point, it is worth noting that the Walmart Credit Card also comes with $0 foreign fees, but there is a 3% (min $10) cash advance fee.
The Walmart Credit Card credit score requirement is “fair” for both the Walmart Credit Card and the Walmart® Store Card; that’s a credit score of 640+. The difference between these two cards is that the Walmart Credit Card can be used anywhere, while the Walmart® Store Card can only be used at Walmart and its affiliates (Sam’s Club, Murphy USA).… read full answer
Here’s what you need to know about the Walmart Credit Card credit score:
Both the Walmart Credit Card and the Walmart® Store Card require fair credit for approval. That means a score of 640+.
The Walmart Credit Card can be used anywhere Mastercard is accepted. The Walmart® Store Card can just be used at Walmart, Walmart Neighborhood Market, Murphy USA, and Sam’s Club.
Your credit score isn’t the only thing Capital One will look at when evaluating your application. They’ll also consider your income, existing debt, employment and recent credit inquiries, among other things.
If you’re a frequent Walmart shopper, the Walmart® Store Card is a pretty decent deal, offering 2 - 5 points per $1 at Walmart.com, Walmart Stores, Walmart & Murphy USA Fuel Stations. With the Walmart Credit Card, you earn 5% cash back in Walmart stores using Walmart Pay for the first 12 months, 5% back on Walmart.com purchases, 2% back at Walmart stores and fuel stations, 2% back on restaurant and travel purchases, 1% back on all other purchases.
Capital One credit card annual fees range from $0 to $95 per year, depending on the card. Most Capital One consumer credit cards have no annual fee. The few cards that do have such a fee also usually have extensive rewards.
One of the best Capital One credit cards with a $0 annual fee is Capital One VentureOne. It offers a bonus of 20,000 miles for spending $500 in the first 3 months. The card also gives 1.25 miles per $1 on all purchases. All around, this card is great for travelers on a budget. If you'd rather have a card for everyday spending, Capital One Quicksilver also has a $0 annual fee, while offering 1.5% cash back on all purchases. Plus, you get $200 for spending $500 in the first 3 months.
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