How do I get Walmart Credit Card instant approval?

Question

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). … read full answer

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.

show less

Answer 1 · 2021-01-14 11:18:30

Clark Newton, Member

@aprwizard9 01/14/21 This answer was first published on 05/08/18 and it was last updated on 01/14/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

There’s always a chance to get Walmart Credit Card instant approval when you apply online or in-store. And if you’re instantly approved for either the Walmart Mastercard or the Walmart Store Card, you can use your card to make Walmart purchases right away.

Just keep in mind that Walmart Credit Card instant approval is never guaranteed. Usually, credit card applicants are instantly approved when they exceed a card’s requirements rather than merely meeting them. In some cases, Capital One (the issuer) will have to take a longer look at your application to see if you qualify or not.

How to get Walmart Credit Card instant approval:

Meet the basic requirements. You must apply online or in-store, be 18+ years old, and have a physical U.S. mailing address and a Social Security number.
Check your credit score. Make sure your credit score is at least 640 if you want the Walmart Store Card, or 700+ for the Walmart Mastercard. Otherwise, your chances of instant approval will be slim.
Review your credit reports. Dispute any errors so they won’t hold you back from instant approval. And if you have a freeze on your credit report, temporarily lift it before you apply. Otherwise, Capital One won’t be able to check your credit and approve you instantly. Capital One may pull from TransUnion, Equifax or Experian.
Apply in-store. There are two places to fill out an application in a Walmart: at the register or at the jewelry counter. If you’re approved after Capital One runs your credit, you’ll receive a temporary card on the spot, which you can use in-store that day.
Apply online. You can apply for a Walmart Credit Card online and get instantly approved. In that case, you’ll get a temporary card number that you can use to make purchases right away.

Walmart Credit Card applications are typically approved or denied instantly, or later the same day. But if you don’t get instant approval, it could take another week or two to hear back.

For example, your application might get flagged as fraudulent. Or, Capital One might need more time to verify your information. If that happens, you should call Capital One’s application status line at 1 (800) 903-9177 to get it sorted out as soon as possible. Once you’re approved, it’ll take 7-10 business days to receive your card in the mail.

Answer 2 · 2018-03-22 18:11:09

George Dillons, Member

@george_dillons 03/22/18 This answer was first published on 03/22/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

You don't really need anything special to get it instantly approved, at least not in the sense of some piece of paper. You can get approved instantly both at the store as well as online, but the point is for your score to be as good as possible, and for you to provide all the right info. If you don't, they'll obviously take more time to consider you.

Answer 3 · 2019-11-20 19:22:42

ssameeka1984, Member

@ssameeka1984 11/20/19 This answer was first published on 11/20/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

If they tell you they will get back to you within 7 to 15 working days, does that mean you are not approved?

@hjpt169
No. It may mean they need more info from you. I have filled out a few apps and it has happened to me. They want to verify information with you.

Answer 4 · 2021-01-14 11:12:13

James Bronzz, Working on my CPA

@jbronz 01/14/21 This answer was first published on 01/14/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

If you apply for the Walmart Credit Card and do not get an immediate decision, that doesn’t necessarily mean your application is denied. You can call 1 (800) 903-9177 to check the status.

Answer 5 · 2020-10-02 13:10:14

Myrtle, Member

@myrtlebenony 10/02/20 This answer was first published on 10/02/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

I applied through wallethub.com

Answer 6 · 2019-09-18 16:13:03

Sandy Anderson, Member

@Silver17 09/18/19 This answer was first published on 09/18/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Yes. Walmart has great sales always go to Walmart to shop but some of the other workers there do not understand the rulebook when it comes to applying in store or online other than that great experience thank you Walmart

Answer 7 · 2019-04-01 00:43:31

mikesylvia07, Member

@mikesylvia07 04/01/19 This answer was first published on 04/01/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Apply for a credit card to have credit for necessities when I don't have enough money for the rest of the month so I can buy things that I need

Answer 8 · 2020-10-01 20:00:51

Johnnie, Member

@jaycaz31 10/01/20 This answer was first published on 10/01/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Which credit bureau does Walmart use to pull a credit report

Answer 9 · 2020-07-01 18:57:15

jacquelinecook060, Member

@jacquelinecook060 07/01/20 This answer was first published on 07/01/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

By checking your credit score, have a checking account with a bank,

Answer 10 · 2020-07-01 13:59:00

duckherrin69, Member

@duckherrin69 07/01/20 This answer was first published on 07/01/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Apply online or in store and make purchases

Answer 11 · 2020-03-30 00:05:53

mildredjones04, Member

@mildredjones04 03/30/20 This answer was first published on 03/29/20 and it was last updated on 03/30/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

I tried to apply for Walmart credit card approval and but did not go through

Answer 12 · 2020-01-21 03:18:31

Tara, Member

@fredbrock1981 01/21/20 This answer was first published on 01/21/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Did i get approved for a walmart credit card

Answer 13 · 2019-12-09 11:37:27

sharonlputman, Member

@sharonlputman 12/09/19 This answer was first published on 11/12/19 and it was last updated on 12/09/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Xwant to apply for Walmart credit card

Answer 14 · 2019-09-08 16:22:55

kavmart, Member

@kavmart 09/08/19 This answer was first published on 09/08/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Meet the basic requirements, check your credit score,review your credit report, apply in store or online.

Answer 15 · 2019-08-09 08:40:02

joceffkenquerimit_1983, Member

@joceffkenquerimit_1983 08/09/19 This answer was first published on 08/09/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Make sure you reach credit score standards

Answer 16 · 2019-08-07 20:19:08

Devin, Member

@backndayamber 08/07/19 This answer was first published on 08/07/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Wapply online and obtain credit report

Answer 17 · 2019-07-31 14:59:56

rolltide, Member

@rolltide 07/31/19 This answer was first published on 07/31/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

trying to fill out an application for walmart card can't find it.

Answer 18 · 2019-07-25 10:01:18

ibarradiana8, Member

@ibarradiana8 07/25/19 This answer was first published on 07/25/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

700 credit score to a guaranteed appproval

Answer 19 · 2019-05-29 14:27:34

candicegammon30, Member

@candicegammon30 05/29/19 This answer was first published on 05/29/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

Apply on line to make purchases to get me through the month.

Answer 20 · 2018-12-11 16:34:45

cbirdsell23, Member

@cbirdsell23 12/11/18 This answer was first published on 12/11/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Permalink Report

I'm trying to apply for a Walmart credit card and can't figure out how to do it

How do I get Walmart Credit Card instant approval?

Clark Newton, Member

How to get Walmart Credit Card instant approval:

Capital One® Walmart Rewards® Mastercard®

George Dillons, Member

ssameeka1984, Member

People also ask

What is the Walmart Credit Card credit score requirement?

What's the easiest unsecured credit card to get approved for?

James Bronzz, Working on my CPA

Myrtle, Member

Sandy Anderson, Member

mikesylvia07, Member

Johnnie, Member

jacquelinecook060, Member

duckherrin69, Member

mildredjones04, Member

Tara, Member

sharonlputman, Member

kavmart, Member

joceffkenquerimit_1983, Member

Devin, Member

rolltide, Member

ibarradiana8, Member

700 credit score to a guaranteed appproval

candicegammon30, Member

cbirdsell23, Member

Join WalletHub