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. Also, an applicant isn’t eligible if they’ve submitted a Capital One credit card application twice or more in the past 30 days.
Here's what happens when you apply for a Walmart Credit Card:
Finally, 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®, which requires fair credit (a 640+ credit score) for approval.
But if Capital One is unable to 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 Walmart purchases.
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