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, you can use your card to make Walmart purchases right away. Spending $75 the same day you’re approved even gets you a $25 statement credit.
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, Synchrony Bank (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 U.S. mailing address and SSN.
Check your credit score. Make sure it’s at least 640. Otherwise, your chances of instant approval for the Walmart Store Card will be slim. You need 700+ if you want the Mastercard version.
Review your credit reports. Dispute any errors so they won’t hold you back from instant approval.
Keep your reports open. If you have a freeze on your credit report, temporarily lift if before you apply. Otherwise Synchrony Bank (the cards’ issuer) won’t be able to check your credit and approve you right away. Synchrony 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 Synchrony runs your credit, you’ll receive a temporary card on the spot, which you can use in store right away.
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.
A Walmart representative said most applications are approved or denied instantly or later the same day. But if you don’t get Walmart credit card instant approval, it could take another week or two to hear back.
For example, your application might get flagged as fraudulent. Or, Synchrony might need more time to verify your information. If that happens, you should give Walmart Credit Services a call at 1 (877) 294-7880 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.