The Walmart Credit Card credit score requirement is good credit for the Mastercard and fair credit for the store card version. So that’s a score of 700+ for the Mastercard and 640+ for the Store Card. The reason for these different requirements is that the Mastercard can be used anywhere, while the store card can only be used at Walmart and its affiliates (Sam’s Club, Murphy USA).
Here’s what you need to know about the Walmart Credit Card credit score:
The Walmart Mastercard requires good credit for approval. That means a score of 700+.
The Walmart Store Card requires fair credit for approval. That’s a score of 640+.
The Mastercard is harder to get because it can be used anywhere Mastercard is accepted. The Store Card can just be used at Walmart, Walmart Neighborhood Market, Murphy USA, and Sam’s Club.
Synchrony Bank, the issuer, will pick whether you get the Mastercard or the Store Card. There is only one Walmart card credit card application.
Your credit score isn’t the only thing Synchrony Bank 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 Credit Card is a pretty decent deal. It gives you 3% cash back on Walmart.com purchases, 2% back on Murphy USA and Walmart Gas, and 1% back in Walmart stores. Plus, if you have the Mastercard, you can get 1% back everywhere else your card is accepted.
Your Walmart Credit Card approval odds are decent if you have at least a 640 credit score and a steady income. You’ll need 640+ for the store card version, which can only be used at Walmart, and 700+ for the Mastercard, which can be used anywhere. You’ll need income to make your payments, and Synchrony Bank (the issuer) will look at lots of other factors, too. They’ll consider your debt and the number of cards you already have, for instance. … read full answer
So it’s hard to gauge your approval odds without knowing your personal situation. And Synchrony Bank unfortunately doesn’t let you check for pre approval to gauge your odds. They might send you a pre approved offer in the mail, though.
Here’s how to check your Walmart Credit Card approval odds:
Your odds are best for the Walmart Mastercard if you have a credit score of 700+.
Your odds are best for the Walmart Store Card if you have a credit score of 640+.
How much income and debt you have, how many times you’ve applied for credit recently, and other factors will also affect your approval odds.
If Synchrony sent you a pre approved offer in the mail, your chances of being approved are very high. It’s still not a guarantee, though.
If you apply online or in-store, you might get instant approval if your credit and income clearly exceed the requirements. Otherwise, it could take a few weeks for Synchrony Bank to come to a final decision.
If you’re approved for a Walmart card, you should receive it in the mail within 10 business days. In the meantime, you’ll get a temporary card number so you can make purchases right away, both in store or online.
I got approved for a Walmart credit card with a 530 credit score. I did not think I would get approved. Not only did I get approved for the store card but I got approved for the Mastercard.
This is my first credit card besides the Fingerhut card. I could never get approved for a Synchrony or Comunity Bank card. But Walmart switched to Capital One so I just tried.… read full answer
I think it was hard for me to get credit cards because I don't have any established credit but I don't have bad credit either. I'm so glad Capital One took a chance with me. If Synchrony and Comenity Bank give me offers I'm not going to accept them lol. My loyalty is Capital One!!!
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