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How do I get Walmart Credit Card instant approval?

This question is about the Capital One Walmart Rewards® Mastercard®

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.

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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.

Capital One Walmart Rewards® Mastercard®

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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.

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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.

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.

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

@hjpt169

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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.

People also ask

What is the Walmart Credit Card credit score requirement?

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.

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

The easiest unsecured card to get approved for is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So, while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer

If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Easiest Unsecured Credit Cards to Get Approved For

Fingerhut Credit Account: Easiest Overall

Credit One Bank® Visa® Credit Card: With Rewards

Capital One® Spark® Classic for Business: For Small Businesses

Petal® 2 Visa® Credit Card: For Limited Credit

Deserve® EDU Mastercard for Students: For Students

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for.

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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.

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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.

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.

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I applied through wallethub.com

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.

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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

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.

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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

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.

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Which credit bureau does Walmart use to pull a credit report

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.

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

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.

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Apply online or in store and make purchases

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.

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

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.

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Did i get approved for a walmart credit card

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.

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Xwant to apply for Walmart credit card

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.

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

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.

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Make sure you reach credit score standards

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.

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Wapply online and obtain credit report

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.

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

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.

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700 credit score to a guaranteed appproval

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.

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

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.

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

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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

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