Jamie Thompson, WalletHub Analyst
@ExTaxMan
The Walmart Credit Card requirements for approval include:
- Being 18+ years old.
- Having a credit score of at least 640 (fair credit).
- A monthly income that’s at least $425 more than your monthly housing payment.
- A valid SSN or Tax ID number.
- A physical U.S. address (P.O. boxes do not qualify).
These are the main approval requirements that apply to the Walmart® Store Card, too. But there are also a few other account and application requirements that you should keep in mind.
For instance, an applicant is not eligible for Walmart Credit Card approval if they are past due or over the credit limit on any Capital One credit card account they have from the same issuer. According to customer service, an applicant will probably not be eligible if they’ve submitted a Capital One credit card application twice or more in the past 30 days.
What Happens When You Apply for a Walmart Credit Card
It’s important to note that when you apply for a Walmart credit card, you will be automatically considered for the Capital One Walmart Rewards® Mastercard®. But if Capital One doesn’t approve your application, they’ll consider you for the Walmart® Store Card instead.
The Walmart® Store Card shares many of the same features as the Mastercard, except the store card can only be used to make purchases at Walmart and affiliated locations.
People also ask
How do I apply for the Walmart credit card?
The easiest way you can apply for the Walmart Credit Card is either online or over the phone at (800) 903-9177. Alternatively, you can apply at a Walmart store location or at a Capital One branch (the issuer). This is how you can apply for the Walmart® Store Card, too.
Here’s how to apply for the Walmart Credit Card:
- Online: You can apply for the Walmart Credit Card online. You also have the option of checking for pre-approval if you want to gauge your...
What is the Walmart Credit Card credit score requirement?
You need a credit score of 640 or higher to get the Walmart Credit Card, which means people with fair credit or better have a shot at getting approved. Your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status will also impact your chances.
Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to...
read full answerIs it hard to get a Walmart credit card?
No, it is not hard to get a Walmart Credit Card, though it’s not especially easy, either. You need a credit score of 640, at a minimum. This means people with fair credit or better should have a shot at approval. The same applies for the Walmart® Store Card, too.
Just note that the Walmart® Store Card can only be used at Walmart, while the Walmart Credit Card can be used anywhere Mastercard is accepted.
What you should know about...
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