How do I get Walmart Credit Card instant approval?

Question

The Capital One Walmart Rewards® Mastercard® credit score requirement is 640 or higher. That means people with fair credit or better have a shot at getting approved for the Walmart Credit Card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Walmart Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Walmart Credit Card credit score requirement. You can check your credit score for free on WalletHub.

show less

Answer 1 · 2021-01-14 06:18:30

Clark Newton, WalletHub Credit Card Advisor

@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 Abuse

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 Abuse

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 Abuse

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

@hjpt169

Report Abuse

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 · 2020-12-16

@hjpt169

Report Abuse

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 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 Abuse

I applied through wallethub.com

Answer 6 · 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 Abuse

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

Answer 7 · 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 Abuse

Did i get approved for a walmart credit card

Answer 8 · 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 Abuse

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 9 · 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 Abuse

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 10 · 2021-07-26 17:05:07

ljduncan5, Member

@ljduncan5 • 07/26/21 This answer was first published on 07/26/21. 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 Abuse

Apply online for instant approval

Answer 11 · 2021-07-19 00:19:54

Summer K, Member

@summer_keller • 07/19/21 This answer was first published on 07/19/21. 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 Abuse

I have a 669 credit score and I work a full time job and I got declined due to not making enough income. I already have a capital one credit card with a $1,000 credit limit a great payment history so I didn't think I would have an issue qualifying but I guess I was wrong. Got my results 2 days later via email.

Answer 12 · 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 Abuse

Which credit bureau does Walmart use to pull a credit report

Answer 13 · 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 Abuse

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

Answer 14 · 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 Abuse

Apply online or in store and make purchases

Answer 15 · 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 Abuse

Xwant to apply for Walmart credit card

Answer 16 · 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 Abuse

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

Answer 17 · 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 Abuse

Make sure you reach credit score standards

Answer 18 · 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 Abuse

Wapply online and obtain credit report

Answer 19 · 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 Abuse

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

Answer 20 · 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 Abuse

700 credit score to a guaranteed appproval

Answer 21 · 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 Abuse

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

Answer 22 · 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 Abuse

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, WalletHub Credit Card Advisor

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?

Here are some of the easiest unsecured credit cards to get approved for:

Myrtle, Member

mildredjones04, Member

Tara, Member

Sandy Anderson, Member

mikesylvia07, Member

ljduncan5, Member

Summer K, Member

Johnnie, Member

jacquelinecook060, Member

duckherrin69, 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