Clark Newton, Member
@aprwizard9
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®
George Dillons, Member
@george_dillons
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
If they tell you they will get back to you within 7 to 15 working days, does that mean you are not approved?
People also ask
James Bronzz, Working on my CPA
@jbronz
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
I applied through wallethub.com
Sandy Anderson, Member
@Silver17
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
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
Which credit bureau does Walmart use to pull a credit report
jacquelinecook060, Member
@jacquelinecook060
By checking your credit score, have a checking account with a bank,
duckherrin69, Member
@duckherrin69
Apply online or in store and make purchases
mildredjones04, Member
@mildredjones04
I tried to apply for Walmart credit card approval and but did not go through
Tara, Member
@fredbrock1981
Did i get approved for a walmart credit card
sharonlputman, Member
@sharonlputman
Xwant to apply for Walmart credit card
kavmart, Member
@kavmart
Meet the basic requirements, check your credit score,review your credit report, apply in store or online.
joceffkenquerimit_1983, Member
@joceffkenquerimit_1983
Make sure you reach credit score standards
Devin, Member
@backndayamber
Wapply online and obtain credit report
rolltide, Member
@rolltide
trying to fill out an application for walmart card can't find it.
ibarradiana8, Member
@ibarradiana8
700 credit score to a guaranteed appproval
candicegammon30, Member
@candicegammon30
Apply on line to make purchases to get me through the month.
cbirdsell23, Member
@cbirdsell23
I'm trying to apply for a Walmart credit card and can't figure out how to do it
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