Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
No, you probably won’t be able to get the Walmart® Store Card with no credit history. This card requires a 640+ credit score. This means that you need at least fair credit for approval.
To get the Walmart® Store Card, you will need to come up with a plan to establish credit and build a solid credit profile.
How to Get the Walmart® Store Card
- Get a secured card: Meant for people with bad or no credit, secured credit cards have the same credit-building potential as unsecured cards. You just have to put down a security deposit that acts as your credit line. You can also get an unsecured credit cards for people with no credit.
- Make on-time payments: Paying on time is required if you want your score to rise.
- Plan your credit utilization: Try to use less than 30% of your available credit.
- Monitor your credit: Checking your credit score and report frequently will help you figure out how to improve and when you’re ready for a Walmart® Store Card.
- Apply for a Walmart® Store Card: Once you get your score to 640+, your chances of success will be much better.
Once you have fair credit, you may even be eligible for the Capital One Walmart Rewards® Mastercard®. It’s a co-branded store card that can be used for purchases outside of Walmart.
You should avoid applying for too many credit cards in a short amount of time, especially if you’re just starting out with credit. Multiple inquiries on your credit report will shave a few points off your credit score and stall your efforts to build good credit.
Please note: The Capital One Walmart Rewards® Mastercard® and the Walmart® Store Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
People Also Apply For
People also ask
How do I get Walmart Credit Card instant approval?
There’s always a chance to get Walmart Credit Card * instant approval when you apply online or in-store. If you’re instantly approved for either this card or the Walmart® Store Card *, you may use your card to make 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, the issuer will have to take...
read full answer by Clark Newton, WalletHub Credit Card AnalystWhat's the easiest unsecured credit card to get approved for?
The easiest unsecured credit cards to get include the OneMain Financial BrightWay® Card, the Petal® 2 Visa® Credit Card and the Capital One QuicksilverOne (see details, rates & fees) Credit Card. People with bad credit can get the OneMain Financial BrightWay® Card, while the Petal 2 Card and Capital One QuicksilverOne (see details, rates & fees) are for those with no credit.
Easiest Unsecured Credit Cards to Get
- Best for No Deposit: OneMain Financial BrightWay® Card
- Best for No Credit: Petal® 2 Visa® Credit Card
- Best for Cash Rewards: Capital One QuicksilverOne Cash Rewards Credit Card (see details, rates & fees)
- Best for Students: Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Best for Businesses: Capital One Spark Classic for Business *
- Best for Building Credit:...
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