The Walmart credit card annual fee is $0. Both the Walmart Mastercard Credit Card and the Walmart Store Credit Card have no 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 3% back at walmart.com, plus 2% back on Murphy USA and Walmart gas, among other perks.
So the Walmart credit card annual fee and bonus rewards are the same whether you get the Mastercard or the store card. But there are some important differences. You can get the store card with fair credit, but you can only use it for Walmart, Murphy USA and Sam’s Club purchases. The Mastercard requires at least good credit for approval and can be used anywhere Mastercard is accepted.
Still, both Walmart credit cards are issued by Synchrony Bank. And you can’t actually pick which one to apply for. There’s only one application, and Synchrony makes the call based on your overall creditworthiness.
Here are the Walmart Credit Card annual fees:
- Walmart Mastercard Credit Card: $0 annual fee
- Walmart Store Credit Card: $0 annual fee
- Walmart Mastercard Foreign Fee: 3%
- Walmart Card Cash Advance Fee: 3% (min $5)
The $0 Walmart credit card annual fee is great, of course. But it’s not unusual. Most store-affiliated credit cards have no annual fee. That includes the cards tied to some of Walmart’s biggest competitors, such as the Amazon.com Visa and store card, the Target REDcard, and the Costco Visa.
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