The easiest way to get a Walmart Credit Card PIN is to request it through your online account or to call customer service at (877) 294-7880. Alternatively, you can request a PIN by mail, but that will likely be the most time-consuming option.
Here is how to get a Walmart Credit Card PIN:
Online: Log in to your Walmart Credit Card online account and click on “More Account Settings”. Then, find the “Control Your Card” tab and follow the directions under “Get a Cash Advance”. You may be sent a code by email or text, and you will be able to select a custom PIN to use right away. Otherwise, your PIN will be delivered by mail in about 7-10 business days.
Phone: Call customer service at (877) 294-7880 and follow the prompts given by the automated system.
Mail: This will likely be the most time-consuming option, as your PIN will arrive 7-10 business days after your request has been received. To request a PIN by mail, include your personal information along with your account details, and send your request to the following address: Capital One Attn: General Correspondence O. Box 30285 Salt Lake City, UT 84130-0287
If you plan to use your card for a cash advance at an ATM, keep in mind that cash advances are very costly. The Walmart Credit Card charges a 3% (min $3) cash advance fee. On top of that, there will be a cash advance APR of 28.99% (V), which starts accruing immediately.
A PIN could also be useful when making a purchase at automated kiosks abroad, such as the ones you might find in train stations or parking lots.
You do not need a PIN to use your Walmart Credit Card for regular purchases.
You only need a PIN if you plan to use your card for a cash advance from an ATM. It could also come into play when making a purchase at automated kiosks abroad, such as you might find in train stations or parking lots.… read full answer
Your PIN will be provided to you when you open your account. If you have yet to receive one, you can request it by calling the customer service department at the number on the back of the card.
You can get a Walmart Credit Card cash advance from any ATM that accepts cards on the Mastercard network. To do so, insert the card in the ATM, then enter your PIN and choose the cash advance option. After that, input the amount, and collect the cash and your card. You can also get a cash advance at any bank, but make sure to bring a government issued photo ID with you.… read full answer
Note that you can’t do a cash advance at all with the Walmart® Store Card - only the Mastercard version allows cash advances.
What you should know about Walmart Credit Card cash advances:
Cash advances require a PIN: To use a Walmart Credit Card for cash advances at an ATM, you will need a PIN. If you don’t already have one, you can make a request by calling the number on the back of your card.
Cash advance fee: The fee for a Walmart Credit Card cash advance is 3% (min $3). ATM-owner fees might also be included.
Cash advance APR: The Walmart Credit Card cash advance APR is 28.99% (V), which will start accruing interest immediately, with no grace period.
As you can see, cash advances are really expensive. So, it would be best to avoid using your Walmart Credit Card for cash advances, unless it’s absolutely necessary.
Another Way to Get a Walmart Credit Card Cash Advance
You can also use the Quick Cash feature at Walmart to get a cash advance. This allows you to get up to $20 per day at a Walmart register when you make a purchase. Quick Cash is treated like a normal purchase too, not a cash advance. You can do this with either the Capital One Walmart Rewards® Mastercard® or the Walmart® Store Card.
The Walmart Quick Cash APR is 17.99% or 28.99% (Variable), depending on your credit. Plus, you only owe interest if you carry a balance between months.
Yes, you can get cash back from a Walmart Credit Card simply by making purchases with your card. This is the case for both the Walmart Credit Card and the Walmart® Store Card. The only difference between these two is that the Walmart® Store Card can only be used at Walmart stores, Walmart.com, Sam’s Club, and its associated gas stations. The Walmart Credit Card on the other hand can be used anywhere Mastercard is accepted.… read full answer
More specifically, the Walmart Credit Card gives 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, and 1% back on all other purchases.
With the Walmart® Store Card you get 5 points per $1 spent (5% back) in Walmart stores when you use Walmart Pay for the first 12 months, 5 points (5% back) on Walmart.com purchases, and 2 points (2% back) at Walmart stores, Walmart & Murphy USA Fuel Stations.
So, the best way to get Walmart Credit Card cash back is definitely to earn it by using your card for Walmart purchases.
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